interest in savings/fixed deposit accounts in nepal - Sajha Mobile
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interest in savings/fixed deposit accounts in nepal
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nepalkochoro2008
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 has anybody deposited money in a bank in Nepal? Can somebody tell me what are the interest rates in saving or fixed deposit accounts? Thanks for you help.
SASHAN
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Brother! Bank Bhanna le "A" class ko commercial bank ko matra kura gardai chhu hai.....

Nepal ma saving average ma 9% chha.... Naya bank le 10.5% samma deko chha.... minimum Rs.1,000 ma average 6% paunu hunchha. jati Badi minimum Balance rakhyo teti badi interst aauchha ra daily balance ma caculation hunchha.... tapainlai interest chahi praya bank le 3-3 mahina ma post garchha....tapain lai interest ma 5% tax laagchha.

Fixed Deposit ma A Class Bank le 12% samma dina milchha (NRB, central Bank le tokeko ceiling ho yo)
nepalkochoro2008
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 tapain lai interest ma 5% tax laagchha


maile Rs 100,000 @ 10.5% interest rate ma fixed deposit ma rakhe. lets say for 1 year

Amount after 1 year  = Rs111,000 compuded continuously  (A = Pe^(yr))

Interest Earned = Rs11,000 (ke yo interest ma 5 % tax lagne ho)

bhane pachi net interest rate = 5.5% matra huna bho, hoina ra?
slok
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hehehe hoina nepalkochoro2008 ji, 5% tax 11,000 (interest income) ma po lagne ho ta....so your after tax income will be 10,450 (.95*11000)
SASHAN
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TOTAL DEPOSIT in first month 100,000.00
Interest rate 10.50
After Tax interest(5%tax)
9.975
Monthly after tax ineterst 831.25
first quarter interest after tax(at ashoj end) 2,493.75
2nd  quarter interest after tax(at poush end) 2,493.75
3rd  quarter interest after tax(at chaitra end) 2,493.75
4th quarter interest after tax(at ashad end) 2,493.75
Annual total interest > 9,975.00
   
Total annual imterest after tax 9,975.00

*note:  total annual interest will be greater than 9,975 because you will get interest on interest also for each quarter
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