{"id":1531,"date":"2026-02-15T06:41:16","date_gmt":"2026-02-15T06:41:16","guid":{"rendered":"https:\/\/english.bankingkhabar.com\/?p=1531"},"modified":"2026-02-15T06:41:16","modified_gmt":"2026-02-15T06:41:16","slug":"deposit-rates-decline-further-as-liquidity-surges","status":"publish","type":"post","link":"https:\/\/english.bankingkhabar.com\/?p=1531","title":{"rendered":"Deposit Rates Decline Further as Liquidity Surges !"},"content":{"rendered":"<p style=\"text-align: justify;\" data-start=\"0\" data-end=\"222\"><a href=\"https:\/\/english.bankingkhabar.com\/?attachment_id=1532\" rel=\"attachment wp-att-1532\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1532\" src=\"https:\/\/english.bankingkhabar.com\/wp-content\/uploads\/2026\/02\/banking-oo.jpg\" alt=\"\" width=\"1024\" height=\"605\" srcset=\"https:\/\/english.bankingkhabar.com\/wp-content\/uploads\/2026\/02\/banking-oo.jpg 1024w, https:\/\/english.bankingkhabar.com\/wp-content\/uploads\/2026\/02\/banking-oo-300x177.jpg 300w, https:\/\/english.bankingkhabar.com\/wp-content\/uploads\/2026\/02\/banking-oo-768x454.jpg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><strong>Banking Khabar\/<\/strong>Commercial banks have continued to lower interest rates on individual fixed deposits in the month of Falgun as well. The persistent rise in deposits and weak credit demand have prompted banks to reduce fixed deposit rates.<\/p>\n<p style=\"text-align: justify;\" data-start=\"224\" data-end=\"492\">The average maximum interest rate on individual fixed deposits among 20 commercial banks has dropped to 4.57 percent, down by 0.11 percentage points from 4.68 percent in Magh. Out of the 20 banks, nine have reduced their rates, while the rest have kept them unchanged.<\/p>\n<p style=\"text-align: justify;\" data-start=\"494\" data-end=\"757\">After the cap on institutional fixed deposit rates was removed, banks found room to lower the maximum rates on individual deposits. Additionally, policy rate cuts by <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Nepal Rastra Bank<\/span><\/span> have further encouraged banks to bring down interest rates.<\/p>\n<p style=\"text-align: justify;\" data-start=\"759\" data-end=\"1057\">Banks are currently holding liquidity of over Rs 12.5 trillion, but weak credit demand from the private sector has forced them to cut costs and reduce fixed deposit rates, bankers say. In the first six months of the current fiscal year, private sector credit expansion has remained below 4 percent.<\/p>\n<p style=\"text-align: justify;\" data-start=\"1059\" data-end=\"1368\">Only five banks are offering 5 percent or above on individual fixed deposits. Most banks are providing relatively higher rates only on long-term deposits. The average maximum rate has now declined to 4.57 percent, while interest rates on deposits with maturities of six months to one year are below 4 percent.<\/p>\n<p style=\"text-align: justify;\" data-start=\"1370\" data-end=\"1752\">Governor Dr. <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Bishwo Nath Poudel<\/span><\/span>, through the monetary policy for the current fiscal year, reduced key policy rates. In particular, the deposit collection rate\u2014the lower bound of the interest rate corridor\u2014was cut by 0.25 percentage points to 2.75 percent, further incentivizing banks to lower deposit rates. Other policy rates and the bank rate were also reduced.<\/p>\n<p style=\"text-align: justify;\" data-start=\"1754\" data-end=\"2138\">Among the 20 operating commercial banks, only <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Nepal Bank Limited<\/span><\/span> is offering a maximum individual fixed deposit rate of 5.1 percent. <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Himalayan Bank<\/span><\/span>, <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Rastriya Banijya Bank<\/span><\/span>, <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">NIC Asia Bank<\/span><\/span> and <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">NMB Bank<\/span><\/span> have proposed a maximum rate of 5 percent for Falgun, unchanged from Magh.<\/p>\n<p style=\"text-align: justify;\" data-start=\"2140\" data-end=\"2633\"><span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Global IME Bank<\/span><\/span> has reduced its maximum rate from 5.50 percent to 4.75 percent for Falgun. <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Prabhu Bank<\/span><\/span>, <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Nabil Bank<\/span><\/span> and <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Machhapuchchhre Bank<\/span><\/span> have maintained their maximum rate at 4.55 percent. <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Sanima Bank<\/span><\/span> has lowered its rate from 4.55 percent to 4.50 percent, while <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Nepal Investment Mega Bank<\/span><\/span> has cut its rate from 5 percent in Magh to 4.5 percent in Falgun.<\/p>\n<p style=\"text-align: justify;\" data-start=\"2635\" data-end=\"3028\"><span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Laxmi Sunrise Bank<\/span><\/span> and <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Citizens Bank International<\/span><\/span> have kept their rates unchanged at 4.5 percent, while <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Kumari Bank<\/span><\/span> has maintained 4.43 percent. <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Siddhartha Bank<\/span><\/span> reduced its rate from 4.55 percent to 4.25 percent, and <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Everest Bank<\/span><\/span> lowered its rate from 4.4 percent to 4.25 percent.<\/p>\n<p style=\"text-align: justify;\" data-start=\"3030\" data-end=\"3289\">Similarly, <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Nepal SBI Bank<\/span><\/span>, <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Prime Commercial Bank<\/span><\/span>, <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Standard Chartered Bank Nepal<\/span><\/span> and <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Agricultural Development Bank<\/span><\/span> have published a maximum individual fixed deposit rate of 4.25 percent for Falgun.<\/p>\n<p style=\"text-align: justify;\" data-start=\"3291\" data-end=\"3474\" data-is-last-node=\"\" data-is-only-node=\"\">Rising liquidity, weak credit demand and changes in policy rates have collectively created conditions for continued reductions in fixed deposit interest rates across commercial banks.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banking Khabar\/Commercial banks have continued to lower interest rates on individual fixed deposits in the month of Falgun as well. The persistent rise in deposits and weak credit demand have prompted banks to reduce fixed deposit rates. The average maximum interest rate on individual fixed deposits among 20 commercial banks has dropped to 4.57 percent, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1532,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-1531","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banner"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Deposit Rates Decline Further as Liquidity Surges ! - Bankingkhabar<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/english.bankingkhabar.com\/?p=1531\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Deposit Rates Decline Further as Liquidity Surges ! - Bankingkhabar\" \/>\n<meta property=\"og:description\" content=\"Banking Khabar\/Commercial banks have continued to lower interest rates on individual fixed deposits in the month of Falgun as well. The persistent rise in deposits and weak credit demand have prompted banks to reduce fixed deposit rates. 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