क वर्गका वाणिज्य बैंकको मुद्दती निक्षेप (FD) र वार्षिक ८.५%–१०.५% ब्याज दिने बैंक ऋणपत्र (Debenture) बीच खुद नाफा तथा ब्याज आम्दानीको तुलना।
A Fixed Deposit (FD) is a secure bank deposit insured up to NPR 5,00,000 by the Deposit and Credit Guarantee Fund (DCGF). A Debenture is a long-term debt instrument issued by commercial banks that offers higher interest rates (typically 1.5% to 2.5% higher than FD), listed on NEPSE, and pays interest on a quarterly or semi-annual schedule.