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

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.