A shareholder savings account is a special savings product reserved for the shareholders of a bank or financial institution in Nepal. Banks reward their shareholders with an interest rate above the ordinary savings rate as a benefit of holding the institution's shares — a way of giving promoters and retail shareholders a tangible return beyond dividends.
To open one you generally need to hold shares in that specific bank and provide your DEMAT/shareholder details. The rate, the minimum shareholding and the balance conditions vary between institutions. The table below ranks every bank publishing a shareholder savings rate, highest first.
Because the eligibility is narrow, shareholder savings rates are often among the most attractive a bank offers — but they only benefit existing shareholders of that institution, so compare them against premium and salary savings options you may also qualify for.
Best Shareholder Savings Account Rates in Nepal — Bank Comparison
0 BanksWhat is a shareholder savings account in Nepal?
A shareholder savings account is a savings product a bank offers only to its own shareholders, usually at a higher interest rate than an ordinary savings account. It is a shareholder benefit, separate from dividends, available to people who hold shares in that specific bank.
Who can open a shareholder savings account?
Only shareholders of the bank offering the account can open one. You typically need to prove your shareholding through DEMAT or share-register details when opening the account. Each bank sets its own minimum shareholding requirement.
Which bank gives the highest shareholder savings rate in Nepal?
The bank at the top of the comparison table above currently publishes the highest shareholder savings rate. The ranking is highest-first and refreshed daily from bank data.
Is a shareholder savings rate higher than a normal savings rate?
Usually yes. Banks set shareholder savings rates above their ordinary savings rate as a benefit for holding the institution's shares. The exact premium varies by bank.
Do I need a minimum number of shares to qualify?
Often, yes. Many banks require a minimum shareholding to open a shareholder savings account, while others extend it to any registered shareholder. Confirm the specific bank's requirement before applying.
What does the ✓ Verified badge mean?
A Verified badge means the rate was confirmed directly by the bank through Byajdar's partner portal rather than scraped from public sources. Verified rates always override scraped data for that bank and product.