Nepal ma life insurance garnu for that amount of money, you'd prolly get a better deal out of it then to invest in a fixed deposit - banks ( like himalayan or nabil) pays anywhere between 3.5- 6 at the most, they are currently running a campaign on which gives about 10% for 6 mos, and a year long fixed deposit- not sure if that is still valid though.. But finance pays about 10 - 13% but as mentioned above, its riskier

Good luck
Mercynova