Sunilsmriti-3, Runiwang, Rolpa
+977-984490538
Fixed Deposit
Grow your savings with secure and high-return fixed deposit योजनाहरू designed for long-term financial stability.
NPR 1.2B+
FD Portfolio Value
11%
Max Interest Rate
18,000+
Active FD Holders
100%
On-Time Maturity Pay
The Smartest Way to Grow Wealth
Fixed Deposits offer guaranteed returns, full capital protection, and multiple added benefits.
Highest Returns
Earn up to 11% per annum — significantly higher than commercial banks — because our profits belong to members.
DCGC Protected
All Fixed Deposits are insured up to NPR 5 Lakhs under the Deposit & Credit Guarantee Corporation of Nepal.
Loan Against FD
Avail up to 90% of your FD value as a loan instantly — without breaking your deposit or losing interest.
Auto-Renewal
Set auto-renewal and never miss a maturity. Your FD rolls over automatically at the prevailing rate.
Pick the Right FD for Your Goal
Whether you're an individual, senior citizen, corporate entity, or systematic saver — we have an FD for you.
Regular FD
Min: NPR 10,000
Senior FD
Min: NPR 5,000
Corporate FD
Min: NPR 5,00,000
Recurring FD
Min: NPR 1,000/mo
Transparent Rate Schedule
Effective from 1st Shrawan 2081. All rates are per annum. Senior citizen rates include 0.25% additional benefit.
3 Months
6 Months
1 Year
2 Years
3 Years
5 Years
✓ Additional 0.25% for senior citizens (60+) on all tenures
FD Calculator
Estimate your fixed deposit returns
Total Interest
NPR 55,000
Maturity Value
NPR 155,000
Your money grows by 55.0% over 5 years
Choose When You Earn
Chetana FD gives you complete control over how and when you receive your interest earnings.
Monthly
Interest credited to your savings account every month — ideal for steady income.
Quarterly
Receive interest every 3 months — a balanced approach to income and compounding.
Half-Yearly
Interest paid twice a year — slightly higher effective yield than monthly payout.
At Maturity
Full interest paid at end of term — maximum compounding for wealth building.
Start Earning in 4 Simple Steps
Opening a Fixed Deposit takes less than 20 minutes at any Chetana branch.
Choose Your FD Plan
Select tenure, amount, and payout frequency — Regular, Senior, Corporate or Recurring.
Submit KYC Documents
Provide citizenship, photo, and filled FD application form at any Chetana branch.
Make Your Deposit
Deposit cash, cheque, or transfer from your Chetana savings account instantly.
Receive FD Certificate
Get your physical FD certificate or digital receipt via HamroConnect app immediately.
Need Cash? Don't Break Your FD
Avail up to 90% of your FD value as an instant loan — your deposit continues to earn full interest while you access funds in an emergency.
Lowest Loan Rate
Loan at just 2% above your FD rate — far cheaper than personal loans at 16–20%.
Instant Disbursal
Loan credited to your savings account within the same working day of application.
FD Keeps Earning
Your Fixed Deposit remains active and earns full interest even while the loan is outstanding.
Flexible Repayment
Repay anytime before FD maturity — no prepayment charges or hidden penalties.
Loan Against FD
Quick Eligibility
Common Questions Answered
Everything you need to know about Fixed Deposits at Chetana Cooperative.
What is the minimum amount for a Fixed Deposit?
Can I withdraw my FD before maturity?
How is interest calculated on Fixed Deposits?
Can I take a loan against my Fixed Deposit?
What happens when my FD matures?
Is my Fixed Deposit protected against bank failure?
Lock In 11% Today Before
Rates Change
Secure your wealth with Nepal's most trusted cooperative Fixed Deposit. Capital protected, high yielding, and flexible.