Current Savings Account Interest Rates in Nepal (Dec 2025)

Central Finance Limited offer various savings accounts to cater to different customer needs while providing essential banking facilities and competitive interest rates.

Simple Savings Account

A basic savings product that allows individuals to save and transact money while earning interest on their balance deposits.

• Minimum Balance: NPR 100
• Interest Rate: 4.50%

Normal Savings Account

A savings account designed for individuals of all age groups, encouraging long-term saving habits while earning interest.

• Minimum Balance: NPR 100
• Interest Rate: 4.50%

Special Savings Account

Designed to offer higher interest rates and enhanced features compared to a normal savings account.

• Minimum Balance: NPR 1,000
• Interest Rate: 5.00%

Investor Savings Account

This account is specifically designed for individuals who have invested in the company, providing exclusive services and features to increase value for respected investors.

• Minimum Balance: NPR 100

Facilities

• ATM Card
• Mobile Banking
• Cheque Book Facility
• Statement Service

For more details, visit the nearest branch or check the official website of  https://centralfinance.com.np/savings/

Citizens Bank offers the Citizens Savings (NPR) Account, a savings account in domestic currency (NPR) designed for individuals of all age groups, providing instant access to funds and essential banking facilities.

Account Details

Account Type

• Name: Citizens Savings (NPR) Account
• Nature: Savings account in Nepalese Rupees (NPR)
• Target Audience: Individuals of all age groups

Features

• Instant Access: Provides immediate access to funds.
• Free Checkbook: Checkbook issuance is free.
• No Cash Transaction Fees: No charges on cash transactions.
• Minimum Balance: Zero balance required.
• Suitable for All: Designed for individuals of all ages.

Additional Information

Online Account Opening

• Customers can initiate the account opening process online.
• Final verification must be completed at a branch with original identification documents.

Debit Restriction

• Until the account opening procedure is completed at the branch, the account will be debit restricted, allowing only credit transactions.

Other Savings Accounts

• Citizens Samrakshit Bachat Khata
• Citizens Saving Account (FCY) (Foreign Currency Account)

Customer Support

Citizens Sathi – AI Chatbot

• Citizens Bank provides Citizens Sathi, a chatbot for customer assistance and support.

Corporate Office

• Address: Narayanhiti Path, Kathmandu, Nepal-44600

For more details, visit Citizens Bank International Limited’s official website or contact their nearest branch.

Corporate Saving Deposit

This is a saving account for encouraging people to make banking habit. An attractive interest rate of 7.25% p.a. is provided in this account and this account can be opened with minimum balance of Rs. 100.00.

Corporate Higher Saving Deposit

This is a saving account for encouraging people to save more and more money for their brighter future with a more attractive interest rate of 7.30% p.a. calculated on daily balance. This account can be opened with minimum balance of Rs. 10,000.00 and interest is paid in quarterly basis.

Corporate Senior Saving Deposit

This is a saving account for encouraging senior citizens to save more and more money for their brighter future with a more attractive interest rate of 7.30% p.a. calculated on daily balance basis. This account can be opened with minimum balance of Rs. 1,000.00 and interest is paid in monthly basis to facilitate them to meet their monthly expenses and for their self-dependent even in retired life.

Corporate Nari Bachat Deposit

This is a saving account for encouraging ladies and house hold women to save more and more in their own account for making their future brighter. This account is opened with minimum amount of Rs.1,000.00 and interest rate is 7.30%.p.a calculated on daily balance basis.

Corporate Bal Bachat Deposit

This is a saving account for encouraging babies and school students to save more and more in their account for their future i.e. further study or making their bright future. This account can be opened with an amount of Rs. 1,000.00 only with an attractive interest rate of 7.35% p.a. calculated on daily balance basis.

Corporate Student Scholar Deposit

This is a saving account designed for college students who have to run their pocket expenses throughout the month with a limited fund. College students can save their funds to match their requirements throughout the month as well as get an attractive interest rate of 7.25% p.a. calculated on daily balance basis to start their Banking habit. The account can be opened with amount of Rs. 500.00 only.

Corporate Fast Track Deposit

This is a saving account designed for the businessman who has comparatively high turnover of cash and they want to encash the balance of the account by attracting a good amount of interest in each day. This account provides interests on daily basis. This account is opened with minimum balance of Rs. 50,000.00 and interest rate is 7.35 %  p. a. calculated on daily balance basis.

Corporate Patron Deposit

This is a saving account designed for super savers who has comparatively long-term plan to save but have uncertainty of requirement of fund. This account is opened with minimum balance of Rs. 100,000.00 and interest is provided at 7.40% p.a. calculated on daily balance basis.

Corporate Premium Deposit

This is a premium account designed for the businessmen and other individuals. We provide attractive interest rate of 3.62% p.a. calculated on daily balance basis. This facilitates a customer to increase their Banking habit by getting returns on idle funds. This account can be opened with just Rs. 1,000.00.

Corporate General Fixed Deposit

This account is desinged to them who wish to deposit funds for long period and get highly attractive interest rate. In this scheme, the minimum balance with Rs. 10,000.00 and can enjoyed interest @11.00% p.a.

Saving Deposits