Saving Deposits Surpass Rs 2.77 Trillion with 3.7% Growth, Reflecting Improved Household Liquidity

According to the Nepal Rastra Bank’s (NRB) Mid-September 2025 “Other Depository Corporation Survey”, savings deposits in Nepal’s banking system reached an impressive Rs 2.77 trillion, marking a 3.7% growth within just two months of FY 2025/26. This steady rise reflects improved household liquidity, consistent remittance inflows, and strong public confidence in the formal financial system.

Of the total, residential savings deposits — largely driven by household and small-business account holders — increased to Rs 2.74 trillion, up by Rs 96.7 billion, while non-residential deposits grew by 6.9% to Rs 29.6 billion. The surge in savings accounts demonstrates how Nepali households are prioritizing liquidity preservation amid moderate inflation and cautious consumption patterns.

This upward trend also coincides with a slight decline in fixed deposits (-0.5%), suggesting that depositors are opting for more flexible and accessible savings options rather than locking funds into long-term instruments. The growth of savings deposits thus highlights a resilient deposit base, supported by increasing financial inclusion, expanding digital banking access, and a stable monetary environment maintained by the central bank.