Term deposit is a kind of fixed deposit, in which depositors have to deposit for speculative time period. Interest will be granted on quarterly basis of Nepalese fiscal year. 90 % loan facility can be exercised for term loan whereas depositors have to pay +2% on interest rate provided to them. Interest can be earned on quarterly basis and on Upon Maturity basis. Schemes for term deposit are 3 Months, 6 Months, 12 Months, 24 Months and 36 Months.