New Premium Super Chamatkarik Saving Account

New Premium Super Chamatkarik Bachat Khata

The future is uncertain and you need to prepare for rainy days. Therefore, saving has become a necessity today. Save your hard-earned money at NIC ASIA Bank and transform the way you manage your money.
New Premium Super Chamatkarik Bachat Khata accommodates exclusive benefits and competitive rates to help you to grow your fund.
Save with us to secure your family’s future and earn interest while accessing your money 24x7 through our widespread branch, ATM network, and digital banking channels.

Eligibility : General public of all age, income level, and any gender.

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Features

Additional Terms & Conditions applied in Diamond Category

Minimum Balance (In Rs.)	50,000.
Interest Rate	3.60%
INSURANCE
Accidental Insurance	Rs. 10 lakhs. (No age Criteria)
Critical Illness	Rs. 10 lakhs. (Eligible maximum age 60 years)
Medical Insurance	Rs. 1 Lakh (OPD up to Rs. 20,000 and Hospitalization treatment up to Rs. 80,000). Eligible Maximum age of 65 years
DIGITAL CHANNELS
Debit Card	100% Free for the first year.
Credit Card	100% Free for the first year.
Internet Banking	100% Free for the first year.
Mobile Banking	100% Free for the first year.
Online Account Opening Facility	Available.
Online Fixed Deposit Opening Facility	Available.
E-commerce activation	Free
Viber Banking	Free
Missed Call Banking	Free
IVR Service	Free
LOAN
Discount on Loan Processing Fee (Personal Loans)	Flat 25 basis points.
Discount on Interest Rate (Personal loans)	Special Discount.
FREEBIES
ABBS	Free
Locker Margin (Subject to Availability)	100% waiver.
Locker Annual Rent (Subject to Availability)	100% discount for the first year.
DEMAT Account	Free for the first year.
ATM Withdrawal Charges/Balance Inquiry	Free from All ATMs in Nepal (On us and Off Us).
FCY Premium Rebate (limited to USD, GBP, EUR, CAD, and AUD only)	15 Paisa
Balance Certificate issuance fee	Nill
Good for Payment	Nill
International Dollar Card	100% Waiver (One time Only in each fiscal year).
Scheme transfer charge	Free
मासिक निक्षेप खाता opening facility	Customer can instruct to open मासिक निक्षेप खाता as per their wish with this account.
Sweep In Sweep Out Facility (3 months term deposit)	Interest rate 8.60% p.a Available Prematurity Charges 2%

Notes: In the case of an online account, the account holder shall be eligible for designated freebies/benefits only after maintaining the minimum balance in the account.

Documents Required

Particular	Nepalese Citizen	Non Resident Nepalese (NRN)
1 PP Size Photo	✔	✔
Copy of Citizenship	✔	✔
Birth certificate in case of minor	✔	✔
Valid passport & Visa	✖	✔
NRN Card	✖	✔

Minimum Balance (In Rs.)	25,000.
Interest Rate	3.60%
INSURANCE
Accidental Insurance	NA
Critical Illness	NA
Medical Insurance	NA
DIGITAL CHANNELS
Debit Card	100% Free for the first year.
Credit Card	As per STC.
Internet Banking	100% Free for the first year.
Mobile Banking	100% Free for the first year.
Online Account Opening Facility	Available.
Online Fixed Deposit Opening Facility	Available.
E-commerce activation	Free
Viber Banking	Free
Missed Call Banking	Free
IVR Service	Free
LOAN
Discount on Loan Processing Fee (Personal Loans)	As per STC.
Discount on Interest Rate (Personal loans)	NA
FREEBIES
ABBS	Free
Locker Margin (Subject to Availability)	As per STC.
Locker Annual Rent (Subject to Availability)	As per STC.
DEMAT Account	As per STC.
ATM Withdrawal Charges/Balance Inquiry	Free from All ATMs in Nepal (On us and Off Us).
FCY Premium Rebate (limited to USD, GBP, EUR, CAD, and AUD only)	As per STC.
Balance Certificate issuance fee	Nil
Good for Payment	Nil
International Dollar Card	As per STC.
Scheme transfer charge	As Per STC.
मासिक निक्षेप खाता opening facility	Customer can instruct to open मासिक निक्षेप खाता as per their wish with this account.
Sweep In Sweep Out Facility (3 months term deposit)	NA

Notes: In the case of an online account, the account holder shall be eligible for designated freebies/benefits only after maintaining the minimum balance in the account.

Documents Required

Particular	Nepalese Citizen	Non Resident Nepalese (NRN)
1 PP Size Photo	✔	✔
Copy of Citizenship	✔	✔
Birth certificate in case of minor	✔	✔
Valid passport & Visa	✖	✔
NRN Card	✖	✔

Minimum Balance (In Rs.)	1,000.
Interest Rate	3.60%
INSURANCE
Accidental Insurance	NA
Critical Illness	NA
Medical Insurance	NA
DIGITAL CHANNELS
Debit Card	100% Free for the first year.
Credit Card	As per STC
Internet Banking	100% Free for the first year.
Mobile Banking	100% Free for the first year.
Online Account Opening Facility	Available.
Online Fixed Deposit Opening Facility	Available.
E-commerce activation	Free
Viber Banking	Free
Missed Call Banking	Free
IVR Service	Free
LOAN
Discount on Loan Processing Fee (Personal Loans)	As per STC.
Discount on Interest Rate (Personal loans)	NA
FREEBIES
ABBS	Free
Locker Margin (Subject to Availability)	As per STC.
Locker Annual Rent (Subject to Availability)	As per STC.
DEMAT Account	As per STC.
ATM Withdrawal Charges/Balance Inquiry	Free from All ATMs in Nepal (On us and Off Us).
FCY Premium Rebate (limited to USD, GBP, EUR, CAD, and AUD only)	As per STC.
Balance Certificate issuance fee	Nil
Good for Payment	Nil
International Dollar Card	As per STC.
Scheme transfer charge	As Per STC.
मासिक निक्षेप खाता opening facility	Customer can instruct to open मासिक निक्षेप खाता as per their wish with this account.
Sweep In Sweep Out Facility (3 months term deposit)	NA

Notes: In the case of an online account, the account holder shall be eligible for designated freebies/benefits only after maintaining the minimum balance in the account.