Bank Deposits in Nepal Jump 12.5% to Rs 7.29 Trillion – NRB Mid-September 2025 Data Shows Strong Savings Growth

Published on October 27, 2025

According to the Nepal Rastra Bank’s (NRB) Mid-September 2025 “Other Depository Corporation Survey (y-o-y)”, total bank deposits in Nepal surged by 12.5%, reaching Rs 7.29 trillion compared to Rs 6.49 trillion in the same period last year. This remarkable increase of Rs 809 billion underscores growing confidence in the banking system, a rise in household savings, and sustained remittance inflows that continue to fuel liquidity in the formal financial sector.

The expansion was mainly driven by a 38% surge in saving deposits, which climbed to Rs 2.77 trillion, reflecting improved household liquidity and stronger financial inclusion. Demand deposits also jumped by 26.6%, signaling active business and consumer transactions, while call deposits rose by 32.6%—a sign that institutions and corporates are maintaining flexible liquidity positions.

However, fixed deposits fell by 5%, indicating that depositors preferred short-term liquidity over long-term commitments amid moderate interest rates and cautious investment sentiment. Meanwhile, total banking-sector assets rose by 12% to Rs 9.16 trillion, demonstrating steady financial growth despite global economic headwinds.

NRB’s data highlight that savings and call deposits are becoming key anchors of Nepal’s financial system, helping maintain liquidity and supporting credit flow to the private sector. The continued inflow of remittances and growing digital banking penetration have also been instrumental in boosting total deposits across the banking landscape.

Other Liabilities of Banks Rise 11.5% to Rs 1.84 Trillion as Reserves and Debentures Expand Sharply

Nepal’s banking sector recorded an 11.5% rise in other liabilities, totaling Rs 1.84 trillion, driven by surging reserves and increased debenture issuance. The expansion reflects enhanced capital strength, stable funding diversification, and robust financial resilience across the banking industry.

Private Sector Credit Expands 7.4% Year-on-Year to Rs 5.7 Trillion – Lending Momentum Continues in FY 2025/26

Private sector credit grew by 7.4% year-on-year to Rs 5.7 trillion, reflecting a steady lending recovery across both business and household segments. The rise in corporate and consumer credit underscores renewed confidence in Nepal’s economy and the central bank’s balanced liquidity management approach.

Private Sector Credit Grows 1.6% While Fixed Deposits Decline Slightly – NRB Banking Data FY 2025/26

Private sector credit in Nepal increased by 1.6%, supported by corporate and household lending, while fixed deposits fell by 0.5% amid changing deposit preferences. This balance reflects a stable yet cautious financial environment, where liquidity management and capital strengthening remain central to NRB’s monetary framework.

Bank Deposits in Nepal Rise Marginally by 0.5% to Rs 7.29 Trillion – NRB Mid-September 2025 Report

Nepal’s total bank deposits reached Rs 7.29 trillion in mid-September 2025, growing slightly by 0.5%. Savings deposits remained strong, while demand deposits declined and fixed deposits eased. This pattern indicates a steady liquidity position, with growing household savings and cautious credit activity under NRB’s tighter monetary oversight.

Bank Deposits in Nepal Jump 12.5% to Rs 7.29 Trillion – NRB Mid-September 2025 Data Shows Strong Savings Growth

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