Cooperative Interest Calculator

Calculate interest and dividend returns from cooperative savings and share investments.

Calculate Cooperative Returns

Cooperative Returns

Total interest earned—
Total dividends—
Future value—
Total return—
Effective annual return—

Understanding cooperative returns

Cooperatives in Nepal offer both interest on deposits and dividends on share capital. Returns are typically higher than banks but carry more risk.

Typical cooperative rates in Nepal:
• Savings interest: 6-10% per year
• Share dividends: 8-15% per year
• Fixed deposit: 10-14% per year

Total return = Interest + Dividend
Example: 10% interest + 8% dividend = 18% total annual return

⚠️ Warning: Cooperatives are NOT insured like banks. Choose well-regulated cooperatives with good track records.

FAQs

Are cooperatives safe in Nepal?

Regulated cooperatives are generally safe, but some have collapsed. Check: 1) Registration status, 2) Financial audits, 3) Capital adequacy, 4) Management reputation.

How are cooperatives different from banks?

Cooperatives are member-owned and offer higher returns but have less regulation and no deposit insurance. Banks are safer but offer lower returns.

What's the maximum I can deposit?

Varies by cooperative. Some limit individual deposits to NPR 30-50 lakh for risk management. Check with specific cooperative.

Can I withdraw anytime?

Savings: Yes, with notice period (1-7 days). Fixed deposits: Usually after maturity or with penalty. Shares: More difficult, may need board approval.

Are cooperative returns taxable?

Yes, cooperative interest and dividends are taxable income in Nepal. Cooperatives may deduct TDS (Tax Deducted at Source).