Kathmandu. Recently, deposits in banks and financial institutions have started to increase. An additional 6 billion rupees have entered the banking system in one day.

According to the statistics of Nepal Rastra Bank, the total deposit collection of banks and financial institutions has reached 54 trillion 30 billion rupees by Wednesday, 21st Chait. Which is still high. Earlier, it made a new record by reaching 54 trillion 25 billion in the banking system.

According to Rashtra Bank, as of last Monday, deposits of 54 trillion 24 billion rupees were collected in banks and financial institutions.

Deposit collection by commercial banks has also increased by 5 billion rupees in one day. According to Rashtra Bank, the total deposit collection of commercial banks has reached 47 trillion 89 billion rupees till Tuesday. However, one day before, i.e. till Monday, Chait 20th, 47 trillion 84 billion rupees of deposits were collected. Recently, despite the increase in deposit collection in the banking sector, the situation in banks is not easy in terms of liquidity.

Although deposits have increased in banks and financial institutions, lending has slowed down. Credit investment decreased by 3 billion rupees in the last one day. According to Rashtra Bank, until last Monday, banks and financial institutions had provided loans totaling 48 trillion 25 billion rupees. However, on Tuesday, it decreased to 48 trillion 22 billion rupees. Only commercial banks' credit investment decreased by 3 billion. Along with this, the credit flow of commercial banks has decreased to 42 trillion 78 billion rupees till Tuesday. However, until Monday, banks had invested a total of 42 trillion 81 billion rupees in loans.

According to Rashtra Bank, the credit-deposit ratio (CD ratio) of banks and financial institutions is also improving. As of Tuesday, the CD ratio of banks and financial institutions is 85.43 percent. On Monday, it was 85.63 percent. Banks and financial institutions can provide loans with a maximum CD ratio of 90 percent.

As the deposits in the banking system are increasing, the bankers have been saying that they are trying to reduce the interest rate. Finance Minister Dr. Prakasharan Mahat invited the Governor of Nepal Rastra Bank Maha Prasad Adhikari to the Ministry and discussed the current situation of the country, interest rate, stock market, foreign regulation reserve, price increase etc.