HIGHEST SAVINGS RATE
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Best available
Savings Account Rates
Sorted highest → lowestAs of 10 October 2026, the highest regular savings account interest rate in Nepal tracked by Byajdar is 4.75% at Janaki Finance Co., according to the bank's published interest rate sheet, across 48 institutions.
| Bank / institution | Savings rate | Source |
|---|---|---|
| Janaki Finance Co. | 4.75% | bankbyaj.com |
| Best Finance | 4.00% | bankbyaj.com |
| Corporate Development Bank | 4.00% | bankbyaj.com |
| Multipurpose Finance | 4.00% | bankbyaj.com |
| Reliance Finance | 4.00% | bankbyaj.com |
| Everest Bank | 3.75% | everestbankltd.com |
| Garima Bikas Bank | 3.75% | bankbyaj.com |
| Manjushree Finance | 3.75% | bankbyaj.com |
| Nepal Investment Mega Bank | 3.75% | bankbyaj.com |
| Green Dev. Bank | 3.50% | bankbyaj.com |
| Miteri Development Bank | 3.50% | bankbyaj.com |
| Narayani Development Bank | 3.50% | bankbyaj.com |
| Shree Invest &Finance | 3.50% | bankbyaj.com |
| Kumari Bank | 3.31% | bankbyaj.com |
| Central Finance Ltd | 3.25% | bankbyaj.com |
| Himalayan Bank | 3.25% | bankbyaj.com |
| NIC Asia Bank | 3.25% | bankbyaj.com |
| Pokhara Finance | 3.25% | bankbyaj.com |
| Progressive Fin. Co. | 3.25% | bankbyaj.com |
| Shine Resunga Dev. Bank | 3.25% | bankbyaj.com |
| Siddhartha Bank | 3.05% | bankbyaj.com |
| Agricultural Dev. Bank | 3.04% | bankbyaj.com |
| Prime Commercial Bank | 3.02% | bankbyaj.com |
| Nepal Bank Limited | 3.01% | bankbyaj.com |
| Guheshwori Finance | 3.00% | bankbyaj.com |
| ICFC Finance | 3.00% | icfcbank.com |
| Nepal Finance | 3.00% | byajdar.com |
| Prabhu Bank | 3.00% | bankbyaj.com |
| Kamana Sewa Bikas Bank | 2.90% | bankbyaj.com |
| Citizens Bank Int'l | 2.80% | bankbyaj.com |
| Excel Bikas Bank | 2.80% | bankbyaj.com |
| Laxmi Sunrise Bank | 2.80% | bankbyaj.com |
| Lumbini Bikas Bank | 2.80% | bankbyaj.com |
| Machhapuchchhre Bank | 2.80% | machbank.com |
| Muktinath Bikas Bank | 2.80% | bankbyaj.com |
| NABIL Bank | 2.80% | bankbyaj.com |
| Nepal SBI Bank | 2.80% | nsbl.statebank |
| Rastriya Banijya Bank | 2.80% | bankbyaj.com |
| Sanima Bank | 2.80% | bankbyaj.com |
| Sindhu Bikas Bank | 2.80% | bankbyaj.com |
| Global IME Bank | 2.75% | globalimebank.com |
| Gurkhas Finance | 2.75% | gurkhasfinance.com.np |
| Jyoti Bikas Bank | 2.75% | bankbyaj.com |
| Mahalaxmi Bikas Bank | 2.75% | mahalaxmibank.com |
| NMB Bank | 2.75% | nmb.com.np |
| Salapa Bikas Bank | 2.75% | bankbyaj.com |
| Shangrila Development Bank | 2.75% | shangrilabank.com |
| Standard Chartered Bank | 2.75% | bankbyaj.com |
✓ Sourced from bank notices & NRB, updated daily.
Savings Account Rates in Nepal — What You Need to Know
Regular savings accounts in Nepal currently pay up to 4.75% a year (Janaki Finance Co), and most large commercial banks pay considerably less — see the table below. While lower than fixed deposits, savings accounts let you withdraw at any time.नेपालमा बचत खाताले हाल करिब 4.5%–6% वार्षिक ब्याज त्रैमासिक रूपमा दिन्छन्। मुद्दती निक्षेपभन्दा कम भए पनि, बचत खाताले पूर्ण तरलता दिन्छ — जुनसुकै बेला जरिवानाबिना झिक्न सकिन्छ।
Best strategy: keep about three months of expenses in savings for liquidity, and put the rest in a 1-year FD. On रू 10 lakh, the rate gap can be worth tens of thousands of rupees a year.उत्तम रणनीति: तरलताका लागि करिब तीन महिनाको खर्च बचतमा राख्नुहोस्, बाँकी 1 वर्षे FD मा। रू 10 लाखमा, दरको अन्तर वर्षको दसौं हजार रुपैयाँ बराबर हुन सक्छ।
Savings Account vs Fixed Deposit
- Savings account: flexible, withdraw anytime, lower interest, paid quarterly.बचत खाता: लचिलो, जहिले पनि झिक्न मिल्ने, कम ब्याज, त्रैमासिक भुक्तानी।
- Fixed deposit: locked for the tenure, higher interest, penalty for early withdrawal.मुद्दती निक्षेप: अवधिभर बन्द, उच्च ब्याज, समयअघि झिके जरिवाना।
- Best of both: three months of expenses in savings + the rest in an FD.दुवैको लाभ: तीन महिनाको खर्च बचतमा + बाँकी FD मा।
NOT SURE WHICH BANK?
Find my best bank →मेरो उत्तम बैंक →Get matched to the bank that pays you the mostतपाईंलाई सबैभन्दा बढी दिने बैंकसँग मिलान गर्नुहोस्
A few quick questions and we'll find your highest-earning account in 60 seconds — free, no signup.केही छोटा प्रश्न, र हामी 60 सेकेन्डमा तपाईंको सबैभन्दा बढी कमाउने खाता खोज्छौं — निःशुल्क, दर्ता नचाहिने।
Frequently Asked Questions
The best savings rate is shown at the top of the table above, updated daily on Byajdar. Finance companies usually pay the most, commercial banks the least.उत्तम बचत दर माथिको तालिकाको शीर्षमा देखाइएको छ, Byajdar मा दैनिक अद्यावधिक। वित्त कम्पनीले प्रायः सबैभन्दा बढी, वाणिज्य बैंकले सबैभन्दा कम तिर्छन्।
Most banks require NPR 500–1,000 minimum balance. Some banks accept as low as NPR 500. Premium and salary accounts may waive the minimum.अधिकांश बैंकलाई न्यूनतम रू 500–1,000 मौज्दात चाहिन्छ। केही बैंकले रू 500 सम्म स्वीकार गर्छन्। प्रिमियम र तलब खातामा न्यूनतम छुट हुन सक्छ।
It depends on the rate and your balance: the highest published savings rate today is at the top of the live table above. Finance companies and development banks usually pay the most, big commercial banks the least — and the DCGC guarantee (up to रू 5 lakh per depositor) is identical at every NRB-licensed institution.दर र मौज्दातमा भर पर्छ: आजको उच्चतम बचत दर माथिको तालिकाको सिरानमा छ। सामान्यतया वित्त कम्पनी र विकास बैंकले बढी दिन्छन्, ठूला वाणिज्य बैंकले कम — तर DCGC ग्यारेन्टी (प्रति निक्षेपकर्ता रू ५ लाखसम्म) सबै NRB-इजाजतप्राप्त संस्थामा उही हो।
Most Nepali banks pay savings interest quarterly, calculated on the daily balance. Some premium accounts offer monthly interest payment.अधिकांश नेपाली बैंकले दैनिक मौज्दातमा गणना गरी त्रैमासिक बचत ब्याज तिर्छन्। केही प्रिमियम खातामा मासिक ब्याज भुक्तानी हुन्छ।
For funds you won't need for 3+ months, a fixed deposit pays far more than savings. Keep only about three months of expenses in savings for emergencies and liquidity, and lock the rest in an FD.तीन महिनाभन्दा बढी नचाहिने रकमका लागि, मुद्दती निक्षेपले बचतभन्दा धेरै बढी दिन्छ। आपत्काल र तरलताका लागि करिब तीन महिनाको खर्च मात्र बचतमा राख्नुहोस्, बाँकी FD मा राख्नुहोस्।