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

Published on October 27, 2025

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.

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.

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

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