Interest Rate is one of the most talked financial events happening in every country. Interest rate can have a significant impact on the economy as a whole and your personal financial life.
When tracking changes to interest rates, the stock market is often a major focal point, as rates can affect investors directly and indirectly. The impact of interest rate changes can also be felt more immediately in the markets while it may take time for those impacts to trickle down to the broader economy. Understanding the relationship between interest rates and stock market movements matters for shaping your financial plan. Investors in stock market should closely watch the interest rate, since money supply in stock market is inversely related with stock market.
Here, I have prepared the data of monthly average deposit and lending interest rate of all the Banks & Financial Institutions as published by Nepal Rastra Bank. Data shows that both deposit interest rate and lending interest rate are on decreasing trends.
| Month | Avg. Deposit Rate | Avg. Lending Rate | Interest Rate Spread |
| Shrawan, 2077 | 5.77% | 10.47% | 4.70% |
| Bhadra, 2077 | 5.61% | 10.18% | 4.57% |
| Asoj, 2077 | 5.45% | 9.83% | 4.38% |
| Kartik, 2077 | 5.31% | 9.52% | 4.21% |
| Mangsir, 2077 | 5.14% | 9.37% | 4.23% |
| Poush, 2077 | 5.00% | 9.09% | 4.09% |
| Magh, 2077 | 4.86% | 8.89% | 4.03% |
| Falgun, 2077 | 4.68% | 8.73% | 4.05% |
| Chaitra, 2077 | 4.79% | 8.61% | 3.82% |
| Baisakh, 2078 | 4.81% | 8.53% | 3.72% |
| Jestha, 2078 | 4.72% | 8.46% | 3.74% |
| Ashad, 2078 | 4.76% | 8.43% | 3.67% |
| Shrawan, 2078 | 4.76% | 8.48% | 3.72% |
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