चक्रवृद्धि ब्याज (Compound Interest) — "ब्याजमा ब्याज" — धन बढाउने सबैभन्दा शक्तिशाली तरिका हो। Nepal को banks मा Fixed Deposit (मुद्दती निक्षेप) राख्दा compound interest पाउनुहुन्छ।
Compound Interest अहिले Calculate गर्नुहोस्
FD, savings को exact return जान्नुहोस् — free calculator।
Nepal Bank Fixed Deposit Rates (2026)
| Period | Rate (approx) |
|---|---|
| 3 months | 6–8% |
| 6 months | 7–9% |
| 1 year | 8–11% |
| 2 years | 9–12% |
NRB regulated rates — actual rates bank अनुसार फरक। Check your bank for current rates.
Compound vs Simple Interest
Simple Interest: रु. 1,00,000 × 10% × 5 years = रु. 50,000 interest
Compound Interest (annual): रु. 1,00,000 at 10% for 5 years = रु. 61,051 interest
Difference: रु. 11,051 — compound interest बाट बढी कमाइ।
Nepal मा Smart Investment Tips
- Early शुरू गर्नुहोस्: 25 वर्षमा शुरू गरेको investment 35 मा शुरू भन्दा double हुन्छ।
- Regular deposit: Monthly SIP (Systematic Investment Plan) compound power दिन्छ।
- Tax efficiency: Cooperative र bank FD को tax treatment फरक — accountant सँग सल्लाह लिनुहोस्।
How to Use the Tool (Step by Step)
- 1
Principal दर्ता
Initial investment amount दर्ता गर्नुहोस्।
- 2
Interest Rate
Annual interest rate दर्ता गर्नुहोस् (bank rate)।
- 3
Period
Investment duration (years/months) दर्ता गर्नुहोस्।
- 4
Compounding
Annual, quarterly, वा monthly compounding छान्नुहोस्।
- 5
Calculate
Final amount र interest instantly देखिन्छ।
Frequently Asked Questions
Nepal को bank मा quarterly compounding हुन्छ?+−
धेरै Nepal banks quarterly compound गर्छन् — bank को terms check गर्नुहोस्।
Cooperative को ब्याज बढी हुन्छ?+−
हो, cooperatives 12-15% सम्म दिन्छन् — तर risk पनि बढी। NRB regulated commercial banks safer छन्।
FD तोड्दा penalty लाग्छ?+−
हो, premature withdrawal मा 1-2% penalty हुन्छ — bank अनुसार फरक।
Compound Interest अहिले Calculate गर्नुहोस्
FD, savings को exact return जान्नुहोस् — free calculator।
Compound Interest Calculator खोल्नुहोस् →Related Guides
EPF/PF Calculator गाइड
Nepal को Provident Fund र Social Security Fund (SSF) calculator — retirement savings जान्नुहोस्।
GST / VAT Calculator गाइड
VAT/GST calculation सजिलो बनाउनुहोस् — Nepal को 13% VAT र India को GST rates सबै।
शब्द गणना गाइड
SEE/NEB परीक्षा, विश्वविद्यालय र सोशल मिडियाका लागि शब्द गणना गर्ने सम्पूर्ण जानकारी।