Looking for smart ways to grow your savings? 💰
Khalti isn’t just about digitizing your money, it’s about helping you take your first step toward financial growth.
Introducing Smart FD Nepal’s first wallet-based fixed deposit
You can customize your deposit plan to suit your goals:
👉Begin your investment journey with as little as NPR 5,000.
👉 Duration can be 3 months, 6 months, 9 months, 12 months, 24 months, 36 months 1-2 years
👉 You’ll receive interest quarterly
Whether you’re a college student or a young professional with big dreams, you can begin your savings journey with just NPR 5,000.
Why Choose Smart Fixed Deposit in Khalti?
- You don’t need thousands to begin. With as little as NPR 5,000, you can start your journey toward financial growth.
- No long queues, no paperwork, everything is managed directly from your Khalti wallet.
- Get your interest quarterly, giving you a chance to plan, reinvest, or spend wisely.
- Whether it’s a short-term goal of 3 months or a long-term plan of 3 years, Khalti gives you the freedom to choose the duration that fits your needs.
- Smart Fixed Deposit is perfect for students, young professionals, and anyone who wants to develop a healthy saving habit. Even small deposits today can lead to big rewards tomorrow.
How to Open a Smart Fixed Deposit in Khalti 🏦
Step 1 : Log in to your Khalti App
Step 2 : Tap on the Financial Service option.
Step 3 : Choose Deposits from the Financial Services Section and Select ‘Smart FD’
Step 4 : Enter the amount you want to deposit (starts from Rs. 5000 to Rs 50,000).
Step 5 : Choose the duration for your deposit: 3 months, 6 months,9 months, 12 months, 24 months and 36 months
Step 6 : Tap on Proceed
Alternatively, you can also navigate to Menu and select the Option ‘My Deposits’ to access Smart FD in Khalti App.
Note: You will need your National ID to complete the process.
Start small, pick your plan, sit back, and watch your savings grow like magic . Whether you’re a student, a young professional, or just someone dreaming big, NPR 5,000 today can turn into something amazing tomorrow. So why wait? Let your money do the hard work while you enjoy life!
Frequently asked Question about Smart FD
1. General Product Understanding
Q1. What is Smart Fixed Deposit (Smart FD)?
Smart FD is a digital fixed deposit product available inside the IME Khalti App that allows users to place fixed deposits with Manjushree Finance Limited for a chosen tenure and earn interest at predefined rates.
Q2. Who provides the Smart FD product?
Smart FD is jointly offered by Manjushree Finance Limited (Banking Partner) and IME Khalti Limited (Digital Platform & Distribution Partner).
Q3. Is Smart FD safe?
Yes. All funds are placed with Manjushree Finance Limited, a licensed and regulated financial institution in Nepal, and follow Nepal Rastra Bank regulations.
2. Eligibility & KYC
Q4. Who can open a Smart FD?
Any IME Khalti user who is KYC-verified can open a Smart FD.
Q5. Is KYC required again if the user already completed KYC for Smart Deposit at Manjushree Finance?
No. If KYC has already been verified at Manjushree Finance for Smart Deposit, KYC verification is not required again for Smart FD.
Q6. What happens if the user does not have a savings account at Manjushree Finance?
If a savings account does not exist, the system will automatically create a Manjushree Finance savings account digitally during Smart FD creation.
3. FD Creation & Funding
Q7. How can a user create a Smart FD?
- Open IME Khalti App
- Go to Menu → Deposits → Smart FD/Financial Services
- Enter deposit amount and select tenure
- View interest rate and maturity value via calculator
- Confirm the deposit
- FD is created instantly
Q8. What are the available deposit amounts?
Smart FD can be created with the following amounts:
- NPR 5,000
- NPR 10,000
- NPR 20,000
- NPR 25,000
- NPR 35,000
- NPR 50,000
Q9. What tenure options are available?
Users can choose from:
- 3 months
- 6 months
- 9 months
- 12 months
- 24 months
- 36 months
(Interest rates vary by tenure.)
Q10. How can users fund their Smart FD?
Smart FD can be funded through:
- IME Khalti Wallet
- Linked bank account
4. Interest & Returns
Q11. How is interest calculated and shown to users?
A real-time calculator displays:
- Applicable interest rate
- Total interest earned
- Total applicable taxes (6% of the interest amount will be deducted as tax)
- Final maturity amount
before FD confirmation.
Q12. How often is interest paid?
Interest is provided on a quarterly basis by Manjushree Finance.
Q13. Where is the interest credited?
Quarterly interest is credited to the user’s savings account at Manjushree Finance.
Q14. Can users withdraw interest anytime?
Yes. Users can:
- Withdraw interest via IME Khalti App to wallet, or
- Withdraw directly using Manjushree Finance Mobile Banking App.
5. Withdrawal & Maturity
Q15. What happens at FD maturity?
At maturity, users can:
- Withdraw the matured amount, or
- Renew the FD using the Auto-Renew / Renew option.
Q16. Is auto-renewal available?
Yes. Users can enable auto-renewal at the time of FD creation or choose to renew manually upon maturity.
6. Pre-Mature (Early) Withdrawal
Q17. Can users withdraw Smart FD before maturity?
Yes. Pre-mature withdrawal is allowed.
Q18. Is there a penalty for early withdrawal?
Yes. Applicable penalties are clearly shown to the user before confirmation.
Q19. How does pre-mature withdrawal work?
- User selects Withdraw Before Maturity
- System shows the penalty clause to the user and asks for confirmation from the user to proceed
- Request is sent to Manjushree Finance
- Amount is credited to the user’s Manjushree Finance savings account within 24 hour
- User can withdraw via IME Khalti App or Manjushree Mobile Banking
7. Account & App Related Queries
Q20. Can users see their Smart FD details anytime?
Yes. Users can view FD amount, tenure, interest details, and maturity date inside the IME Khalti App.
Q21. What if a transaction fails during FD creation?
If the amount is debited but FD is not created, the issue should be escalated to operations for reconciliation with Manjushree Finance.
Q22. Will users receive confirmation after FD creation?
Yes. A confirmation screen and transaction receipt are generated instantly.
8. Support & Escalation
Q23. Who handles Smart FD-related issues?
- IME Khalti Support handles app, wallet, and transaction-related queries
- Manjushree Finance handles interest credit, FD ledger, and savings account-related issues
9. Regulatory & Compliance
Q24. Is Smart FD compliant with Nepal Rastra Bank regulations?
Yes. All deposits, interest payments, and withdrawals follow NRB guidelines and Manjushree Finance’s internal policies.
Quick Support Summary (For Agents)
- Fully digital FD via IME Khalti App
- No repeat KYC if already verified at Manjushree
- Quarterly interest credited to Manjushree savings account
- Pre-mature withdrawal allowed with penalty
- Safe & regulated under Manjushree Finance
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