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

Published on October 27, 2025

According to the Nepal Rastra Bank’s (NRB) Mid-September 2025 Other Depository Corporation Survey, total deposits held within Nepal’s banking system rose marginally by 0.5% to reach Rs 7.29 trillion, compared to Rs 7.26 trillion in mid-July 2025. This modest rise indicates a stabilized deposit base amid controlled liquidity conditions and restrained credit expansion.

The data reveals that savings deposits remained the primary driver of deposit growth, expanding by 3.7% to Rs 2.77 trillion, supported by strong household savings behavior and consistent remittance inflows. Fixed deposits, however, slightly declined by 0.5%, reflecting depositors’ preference for shorter-term or more liquid holdings amid moderate interest rate adjustments. Similarly, demand deposits fell sharply by 18.2% to Rs 423.27 billion, suggesting lower short-term transactional balances, while call deposits grew by 8.6%, highlighting flexible cash management trends among corporates and financial institutions.

From a structural perspective, residential deposits continued to dominate, accounting for over 95% of the total, while non-residential (NRN) deposits saw only limited growth. Meanwhile, foreign liabilities of banks decreased by 12.3%, and general reserves of the banking system surged by 12%, indicating higher capital retention and balance sheet strengthening within the banking sector.

The overall rise in deposits, despite reduced demand deposits, reflects a cautious but stable financial environment. The NRB’s liquidity management measures — including its standing deposit facility and deposit auctions — have contributed to maintaining a balance between liquidity absorption and stability of deposits.

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

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