Best Savings Account Interest Rates in Nepal 2026 — Commercial Banks
A 2026 guide to best savings account interest rates in nepal 2026 — commercial banks, with live data and comparison links.
This guide explains Best Savings Account Interest Rates in Nepal 2026 — Commercial Banks for 2026 (Asar 2083), using the latest figures and products tracked in the BFIS Compare database. Compare every bank on our comparison pages.
How savings accounts work in Nepal
A savings account pays interest on your balance, usually calculated on the daily or minimum monthly balance and paid quarterly. Banks set a minimum balance; falling below it can forfeit interest or trigger a charge. Interest income above the threshold attracts a small tax (TDS), deducted at source.
How to choose
Look beyond the headline interest rate: check the minimum balance, whether interest is on the daily or minimum balance, free digital banking, ATM/branch access, and any salary- or remittance-linked perks. A higher rate with a high minimum balance may not beat a flexible account for everyday use.
Compare and calculate
Use the fixed deposit, loan and base rate pages for live figures, and the FD and EMI calculators to estimate returns and repayments before you decide.
Rates are revised every Nepali month and can change. Always confirm the current figure on the BFIS Compare comparison page before you apply.
Frequently asked questions
Where can I compare the latest figures?+
On the BFIS Compare savings pages, refreshed every Nepali month.
How often do rates change?+
Most deposit and loan rates are revised every Nepali month.
Written by
Sandeep Kumar ChaudharyFounder of BFIS Compare, writing about Nepal's banks, deposit rates and loans. sandeepkumarchaudhary.com