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Deposit Schemes

Nepal Deposit Schemes

Customers are informed that the Bank provides interest on Daily Balance in all Savings Schemes irrespective of the minimum balance criteria.
SARAL BACHAT KHATA

This scheme is designed to facilitate easy and regular deposit of funds as and when required and simultaneously earning of income on the balance that is kept in the account.

Features:
  • Minimum balance: Zero
  • Free Cheque Book.
  • Free Internet Banking Facility.
  • ATM Card Facility
  • Mobile Banking Facility
NEPAL SBI PREMIUM SAVINGS SCHEME

Savings account especially designed to take care of banking & savings requirements of High Net worth Individuals customer.

Features:
  • Minimum balance: NPR 25,000/-
  • Free Cheque Book.
  • Free Internet Banking Facility.
  • Free ATM Card
  • Free registration of Mobile Banking facility.
  • 50% concession in NSBL Insta Card.
  • 50% concession on annual locker rental charge for 1st year (Subject to availability).
  • 50% concession on applicable charges & commissions on RTGS only (except on exchange & remittance commission) (Maximum 3 remittance per month per account eligible for concession)
  • Free Standing Instructions
  • Free DEMAT opening services.
  • Insurance Facility
NSBL CORPORATE SALARY PACKAGE

Under this scheme, Corporate/MNC/Institutions/Establishments can open the salary accounts of their employees for easy disbursement of salaries.

Features:
  • Salary Account
  • Preferential interest rates on Fixed deposit/RDs
  • Waiver/concession in service charges for ATM issuance, Locker facility, Mobile Banking
  • Free Internet Banking
  • Free execution of standing instructions
  • Service through any of our branches across Nepal 
  • Insurance Facility
  • And many more….
SWARNIM BACHAT KHATA

We have come up with special deposit scheme—Swarnim Bachat Khata—enriched with bundle of additional benefits to our valued customers

Features:
  • Minimum balance: NPR 5,000/-
  • Free Cheque Book
  • Free Internet Banking facility.
  • ATM Card Facility
  • Free registration of Mobile Banking facility
  • 50% concession on remittance commission and RTGS charges
  • 50% concession on annual locker rental charge for 1st year (Subject to availability).
NARI BACHAT KHATA

Savings account designed for Nepalese female above 18 years of age with an aim to develop saving habits and to enhance self-determination among them

Features:
  • Minimum balance requirement of Rs. 500/-
  • Eligibility: Female above 18 years of age having citizenship certificate of Nepal.
  • Account can be opened singly and/or jointly, where former or survivor must be a female.
  • Free issuance of Cheque Book
  • Free Internet Banking facility
  • Free registration of Mobile Banking facility
  • ATM Card facility
  • 25% discount on annual locker rental charge (Subject to availability).
VARISTHA NAGARIK BACHAT KHATA

Saluting your years of service to this great nation and society, we have brought peerless banking account service to you—Varistha Nagarik Bachat Khata.

Features:
  • Minimum balance: NPR 1,000/-
  • Free Cheque Book.
  • Free Internet Banking Facility.
  • ATM Card Facility
  • Mobile Banking Facility
  • 50% concessions on annual rental charge (Subject to Availability)
  • 50 % concession on SWIFT and RTGS only. (Except on Exchange & Commission)

Similarly, the customers under this scheme can open Fixed Deposit Account that yield applicable card rate with interest receivable on monthly basis.

NSBL BAAL BACHAT KHATA

Savings account especially designed for minors in order to inculcate the saving habits and make them financially literate. Parents or Guardians can open and operate the account to secure the future of their children.

Features:
  • Minimum balance: NPR 501/-
  • Accounts for children below 18 years of age.
  • Free Cheque Book facility.
  • ATM Card Facility
  • Mobile Banking facility (Enquiry rights)
  • Free Standing Instruction to transfer balance from parents/guardian account to NSBL Baal Bachat Khata.
  • Account operation by the parents/guardian.
  • Maximum permitted account balance is Rs. 5 Lakhs
RAKSHAK BACHAT KHATA

This account is designed for Nepali citizens presently in service of Nepal Army, Nepal Police and Armed Police Force.

Features:
  • Minimum balance: Zero
  • Free Cheque Book facility
  • Free ATM Card
  • 25% concession on Insta Debit Card
  • Free E-banking facility
  • Free registration of Mobile Banking facility
  • Free Standing Instructions
SAVINGS-GORKHA

Under this scheme, the Nepali domiciled Government of India Pensioners can open the account.

Features:
  • Minimum balance: Zero
  • Free ATM Debit Card facility.
  • NSBL Insta Card facility
  • Free Mobile Banking facility
  • Free E-banking facility
  • 50% concession on annual locker rental charge. (Subject to availability of Lockers)
  • No handling charge for inward remittance/INR DD
  • Insurance Facility
SAVINGS-GORKHA SERVING

Under this scheme, Nepalese citizens domiciled in Nepal serving in Indian Army drawing salary from SBI under Defense Salary Package can open the account.

Features:
  • Minimum balance: Zero
  • Free ATM Debit Card/Insta Card facility
  • Free registration of Mobile Banking facility
  • Free E-banking facility
  • Concession on remittance: Only Exchange commission to be recovered (for only 3 INR remittance per month)
  • 50% concession on annual locker rental charge (Subject to availability)
  • Insurance Facility
SAVINGS-DIPLOMATS/EMBASSY

Diplomats/officials who get salary from Government of India or other countries can open account in this scheme.

Features:
  • Minimum balance: Zero
  • Free ATM Debit Card/Insta Card facility
  • Free Mobile Banking facility
  • Free E-banking facility
  • No charge on remittance
SAVING-NRN

Non-resident Nepalese with valid passport and visa can open account in this scheme

Features:
  • Currency: NPR or USD
  • Minimum Balance: NPR 10,000/- or equivalent USD
  • ATM Card Facility
  • Mobile Banking facility
  • Free E-banking facility
SB-NATIONAL RECONSTRUCTION AUTHORITY

Under this scheme, individual s identified by National Reconstruction Authority affected by earthquake.

Features:
  • Zero minimum balance
  • Free ABBS
  • Free SMS/Mobile Banking
  • Free E-banking
  • Free execution of standing instruction
  • Free Cheque book issuance
FOREIGN DEPOSIT ACCOUNT

Nepali citizen with foreign income or foreign citizens can open account in this scheme.

Features:
  • Minimum balance: 20 (in USD, GBP, EURO, AUD).
  • ATM Card Facility.
  • Mobile Banking facility.
  • Free E-banking facility.
  • 50% concession on issuance of Vishwa Yatra Card
STUDENTS ACCOUNT

This scheme has been introduced with an objective to inculcate saving habits to the students. Under this scheme, students can open this Savings account.

Features:
  • Minimum Balance:  Rs 500/- (Nil for only MGS and GJS students).
  • Account for students below 18 years of age.
  • Account operation singly by parents/guardian.
  • Free Internet Banking Service.
  • Free Cheque Book.
  • Free Registration of Mobile Banking facility.
UJJAWAL BHAVISYA BACHAT YOJANA (RECURRING DEPOSIT)

Deposit Fixed amount each month and withdraw lumpsum amount on maturity.

Features:
  • Deposit Amount: Rs. 200.00 and above in multiples of Rs. 100.00.
  • Deposit Period: From 12 months to 84 months in multiples of 6 months.
  • Interest credited quarterly in principal account.
  • Interest Capitalization every 3 months
DHANVRIDDHI BACHAT YOJANA

Deposit Fixed Amount at the beginning and withdraw lump-sum amount on maturity.

Features:
  • Deposit Amount: Minimum NPR 5,000 and above in multiples of NPR 100.
  • Deposit Period: From 6 months to 84 months in multiples of 6 months.
  • Interest Credited to Principal Account.
  • Interest Capitalized every 3 months .(based on English Calendar)
  • A soft loan can be availed up to 90% of the balance amount.
SAVINGS-INSTITUTION

Non-profit making and TDS Waived organizations can open account in this scheme.

Features:
  • Minimum Balance: NPR A/c: Rs. 5,000, USD A/c: Nil
  • Eligibility: Non-Profit-making organizations & TDS Waived organizations 
  • Currency: NPR & USD
  • SMS/Mobile Banking Charge: Card Rate
  • Mode of Operation: Single- only in the name of one institution(As per the instruction provided while opening the account)
  • Free Internet Banking Service.
  • Free Cheque Book.
SAMBRIDDHA NAGARIK BACHAT KHATA

Scheme designed especially for those who do not have bank account in any commercial banks

Features:
  • Minimum Balance: Rs 100/- (to be deposited by the bank)
  • Free Internet Banking Service.
  • Free Cheque Book
  • Free Mobile Banking Facility
  • ATM Card facility
CHHORI BACHAT KHATA

Scheme especially designed for Karnali Pradesh for state government to provide support to the daughters till the age of 20 years through the bank account to encourage the daughter’s care, education and security within the Karnali state.

KARMACHARI BACHAT KHATA

We have come with a special zero balance deposit scheme—Karmachari Bachat Khata—with special focus on salaried employees from government and/or non-government organizations. Karmachari Bachat Khata account holders get;

  • 40% concession on rental charges for hiring safe deposit locker. (Subject to availability)
  • 50% concession on remittance commission .(Draft and RTGS to India)
  • Facility of Mobile/SMS Banking.
  • Insurance Facility

The account can be opened in all our branch offices. For details please contact any of our Branches.
Note: The concessions as per the scheme are to be rendered only when the relevant services are utilized through the account

PROVIDENT FUND ACCOUNT FOR PERMANENT STAFF OF ORGANIZATION
Features:
  • Higher interest rate than normal Saving deposit
  • Interest calculated daily payable quarterly.
  • A soft loan can be availed up to 90% of the balance amount.
  • A certain amount of fund (both deducted from staff salary and contributed by the organization) can be deposited on the monthly basis by the concerned organization.
REMITTANCE SAVING

Nepali citizen above 18 years of age working abroad or having immediate family members (Husband/Wife, child, father/mother) working abroad and routing inward remittance through the account. This scheme is applicable only for inward remittances and no deposit is allowed locally.

Features:
  • No Minimum Balance
  • 1% above highest interest rate in saving schemes
  • ATM Card Facility
  • Mobile Banking Facility
  • Free Internet Banking Facility
101 DAYS FIXED DEPOSIT
Features:
  • Minimum Balance: Rs 1,00,000.00/-
  • Eligibility: Individuals and institutions
  • Single/Joint Accounts
  • Prematurity of FD: allowed, will be governed as per applicable policy of prematurity payment of fixed deposit of the bank.
201 DAYS FIXED DEPOSIT
Features:
  • Minimum Balance: Rs 1,00,000.00/-
  • Eligibility: Individuals and institutions
  • Single/Joint Accounts
  • Prematurity of FD: allowed, will be governed as per applicable policy of prematurity payment of fixed deposit of the bank.

Please click here for effective interest rates in various deposit schemes.

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