Women’s Savings Account Interest Rates in Nepal for January 2026

Get competitive interest rates along with added benefits tailored for women. Compare the latest interest rates offered by banks in Nepal and find the option that best suits your financial goals. This page provides an up-to-date comparison of women-specific savings accounts, including current interest rates, minimum balance requirements, and key benefits. Rates are sourced from official bank disclosures and updated regularly for accuracy.

Women Account

Gurkhas Finance Limited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
N.A
Interest Rate(P.A) As of January 25
5.50%
Minimum Balance
Rs. 250
Tenure
-
Women Account

Himalayan Bank Limited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
N.A
Interest Rate(P.A) As of January 25
3.25%
Minimum Balance
Rs. 0
Tenure
-
Women Account

ICFC Finance Limited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
N.A
Interest Rate(P.A) As of January 25
3.80%
Minimum Balance
Rs. 500
Tenure
-
Women Account

Janaki Finance Co.

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
N.A
Interest Rate(P.A) As of January 25
4.00%
Minimum Balance
Rs. 1
Tenure
-
Women Account

Jyoti Bikash Bank LImited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
N.A
Interest Rate(P.A) As of January 25
4.00%
Minimum Balance
Rs. 1
Tenure
-
Women Account

Kamana Sewa Bikash Bank Limited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
N.A
Interest Rate(P.A) As of January 25
3.00%
Minimum Balance
Rs. 0
Tenure
-
Women Account

Karnali Development Bank Limited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
N.A
Interest Rate(P.A) As of January 25
1.00%
Minimum Balance
Rs. 500
Tenure
-
Women Account

Krishi Bikash Bank Limited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
N.A
Interest Rate(P.A) As of January 25
4.00%
Minimum Balance
Rs. 0
Tenure
-
Women Account

Kumari Bank Limited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
N.A
Interest Rate(P.A) As of January 25
3.51%
Minimum Balance
Rs. 0
Tenure
-
Women Account

Laxmi Sunrise Bank Limited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
N.A
Interest Rate(P.A) As of January 25
3.00%
Minimum Balance
Rs. 0
Tenure
-

How Women’s Savings Accounts Differ from Regular Accounts

Women’s savings accounts in Nepal are designed to support financial inclusion by offering features tailored specifically for women. Compared to regular savings accounts, these accounts often come with lower minimum balance requirements and additional benefits such as insurance coverage, preferential service charges, or access to special savings schemes. Interest rates are generally similar to or marginally higher than standard savings accounts, depending on the bank’s policy. Eligibility is usually simple and requires standard KYC documentation.

Frequently Asked Questions

Women’s savings account interest rates in Nepal typically range from around 4% to 7.5% per annum, depending on the bank and account type. These accounts often offer slightly higher interest rates than regular savings accounts and are updated monthly by banks in line with NRB guidelines.

There is no single bank that consistently offers the highest women’s savings account interest rate in Nepal. Rates vary by bank, balance slab, and month. Some banks may offer higher rates for women-specific accounts during certain periods, but users should always compare the latest published rates rather than relying on past data.

Interest on women’s savings accounts in Nepal is usually calculated on a daily balance basis and credited monthly. The standard formula used is (Daily Balance × Annual Interest Rate) ÷ 365, accumulated over the month. This calculation method is the same as regular savings accounts, but the interest rate offered may be higher.

In most cases, yes. Women’s savings accounts in Nepal generally offer higher interest rates, lower minimum balance requirements, or additional benefits compared to standard savings accounts. However, the difference in rates and benefits varies by bank and account conditions.

Women’s savings accounts in Nepal are typically available to female individuals aged 18 and above, though some banks allow accounts for minors operated by guardians. Required documents usually include citizenship or valid identification, photographs, and KYC details, similar to regular savings accounts.

Women’s savings accounts in Nepal often come with benefits such as higher interest rates, low minimum balance, discounts on banking services, and access to digital banking facilities. Some banks also link these accounts with women-focused financial inclusion or empowerment programs.

Yes, women’s savings accounts in Nepal are fully regulated by Nepal Rastra Bank (NRB) and offered by licensed commercial and development banks. The interest rates, account terms, and customer deposits are governed under the same regulatory framework as other savings accounts.

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