Fixed Deposit

Ensure Fixed Returns on your investment with Fixed Deposit – a great way to grow your savings with high interest rates for a fixed time period. Simple, effective, and hassle-free. 

Regular Term Deposit

Our Fixed/Term Deposit lets you invest your money with the certainty of a fixed interest rate and a choice of terms. Anyone looking for a low- risk investment with a predefined investment goal, our fixed rate deposit will guarantee a higher return on your money when compared to your traditional savings or transaction account.

  • No set-up, monthly service or management fees
  • Minimum Deposit Amount NPR 100,000 – NPR 50,000 for Rural Municipal branches
  • Choose your fixed term from 3 months to 5 years
  • Interest payable at maturity or quarterly, depending on term
  • Loan against your Term Deposit available up to 90%

Simply apply via your Mobile Money app or visit your nearest branch.
Interest rates & available terms

Recurring Deposit

Lakshit Muddati/Recurring Deposit (RD) is an investment tool which permits those with an ability to make regular deposits earn decent returns on their investment. Savings account holders can choose a fixed monthly amount to save and earn higher returns on their investment that will be competitive with that of a regular fixed deposit.
  • Monthly Investment Amount can be started from minimum NPR 500.00
  • Term Available: Each scheme can be for 1 year, 2 years, 3 years, 4 years or 5 years
  • Interest Payment Options
  • At Maturity
  • Quarterly deposited to the linked savings account
  • Account holders can choose their own debit date
  • System will automatically debit the chosen amount on your chosen date
  • RD account holders will be able to open DMAT account with Laxmi Capital for free
  • Interest calculation will be on daily basis on the outstanding balance
  • Loan up to 90% available against your Recurring Deposit balance
  • No fees or charges will be applicable on missed installments or premature withdrawal
Interest Rate and available terms

Recurring Deposit Calculator

Find out how much can you borrow with your current income.

Recurring Deposit Calculator

Total Deposit
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Maturity Amount
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NRN Term Deposit

Secure competitive interest rates on foreign currency deposits with our Term Deposit, designed exclusively for Non-Residential Nepalis. Grow your savings effortlessly with us.

Term Available : 1-3 years
 Minimum Amount USD 1,000 (or equivalent) and higher

NRN Term Deposit (FCY)per annum
US Dollar (USD)5.50%
Pound Sterling (GBP)4.50%
Euro (EUR)4.00%
Australian Dollar (AUD)4.50%

Frequently Asked Questions

A Non-Resident Nepali with a valid NRN ID (issued by the Ministry of Foreign Affairs or Nepali Embassy) is eligible to open this Term Deposit.

Yes, the Term Deposit can be opened with a minimum deposit of USD 5,000 (or equivalent) and higher.
You can currently open Term Deposit accounts with us in US Dollars, Pound Sterling, Euro, and Australian Dollar.

As per Nepal Rastra Bank forex circular 02/2076-77 dated 2076/05/12, the funds can be repatriated back to your account in your country in the same currency upon maturity without the need for separate approval.

We do not allow pre-mature withdrawals for up to 1 year.
After 1 year, you can make a pre-mature withdrawal. Conditions apply

Laxmi Sunrise Bank is a 21-year-old Bank licensed by Nepal Rastra Bank under Bank & Financial Institution Act. The bank’s shares are listed and actively traded on the Nepal Stock Exchange(NEPSE). Our updated financials are available on and we have been rated [ICRANP-IR] BBB+ by ICRA Nepal.

High interest rates (Current rates available @interest-rates) Choice to retain money in Nepal in Rupees or fully repatriate along with interest upon maturity in the currency of deposit. Guaranteed returns.
We are currently accepting deposits for 1 – 3 years.

No, at this stage you can only open foreign currency Term Deposit account in your personal name with Laxmi Bank.

You can easily make a SWIFT transfer from your bank. Our SWIFT code is LXBLNPKA. You must transfer funds through a banking channel.

You may be eligible for a loan in Rupees. Conditions apply.

Simple. Log in to our online NRN Term Deposit account opening application at online application form and complete the simple application form.