The article explores how inflation, deposit savings, and consumption affect deposit interest rates using an AR model. The study reveals that there is a significant difference between real and nominal interest rates, inflation plays a crucial role in determining real interest rates, deposit savings have an unusual relationship with real interest rates, and an increase in consumption leads to higher interest rates. The findings suggest that timely adjustments to interest rates, accelerating interest rate market reforms, and using interest rate policy tools can help control liquidity overload and inflation.