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New Premium Super Chamatkarik Jestha Nagarik Bachat Khata
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Make your days of retirement safe and convenient by opening “New Premium Super Chamatkarik Jestha Nagarik Bachat Khata” at NIC ASIA Bank. “New Premium Super Chamatkarik Jestha Nagarik Bachat Khata” is the highest interest-bearing saving account specially designed for senior citizens of 55 years & above who wants value for their saving and security of their funds. Our insurance facility up to Rs. 21 lakh will give you a sense of safety while the Home Banking facility will give you convenience.
A special benefit for senior citizens is an additional 0.5% interest rate on the published interest rate of Fixed Deposit.
Eligibility : Every senior citizen of 55 years & above.
Features
| Minimum Balance (In Rs.) | 50,000. |
| Interest Rate | 3.5% per annum |
| Accidental Insurance | Rs. 10 lakhs. |
| Critical Illness | Rs. 10 lakhs. (Maximum criteria to eligible for an insurance claim is 60 years ) |
| Medical Insurance |
Rs. 1 Lakh (OPD up to Rs. 20,000 and Hospitalization treatment up to Rs. 80,000). (Maximum criteria to eligible for an insurance claim is 65 years) |
| 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 |
| Discount on Loan Processing Fee (Personal Loans) | Flat 25 basis point. |
| Discount on Interest Rate (Personal loans) | Special Discount. |
| Loan Against Pension Income Facility | Available. |
| 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 | Nil |
| Good for Payment | Nil |
| 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. |
| Higher Interest Rate on Fixed Deposit | Additional 0.5% on the published interest rate of Fixed Deposit. |
| Pre- maturity of Fixed Deposit | The charge for prematurity waived subject to fulfillment of; -Pre matured of Fixed Deposit allowed if the period has crossed 50% of the total duration. |
| Home Banking Facility | Withdrawal/Deposit maximum 5 times per month for the account holders maintaining the closing balance of Rs. 1 million and above on the previous working day. |
| Relationship Manager | Assigned Separate RM who shall take care of the customer. |
| Privileged Service | Privileged service by maintaining separate sitting space for senior citizens where the executive prominently provides service by coming at their desks. |
| Sweep In Sweep Out Facility (3 months term deposit) | 2% Prematurity Charges |
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 |
✔ |
✔ |
| Valid passport & Visa |
✖ |
✔ |
| NRN Card |
✖ |
✔ |
| Minimum Balance (In Rs.) | 25,000. |
| Interest Rate | 3.5% per annum |
| Accidental Insurance | NA |
| Critical Illness | NA |
| Medical Insurance | NA |
| 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 |
| Discount on Loan Processing Fee (Personal Loans) | As per STC. |
| Discount on Interest Rate (Personal loans) | NA |
| Loan Against Pension Income Facility | Available. |
| 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. |
| Higher Interest Rate on Fixed Deposit | Additional 0.5% on the published interest rate of Fixed Deposit. |
| Pre- maturity of Fixed Deposit | As per STC. |
| Home Banking Facility | Withdrawal/Deposit maximum 3 times per month for the account holders maintaining the closing balance of Rs. 1 million and above on the previous working day. |
| Relationship Manager | NA |
| Privileged Service | Privileged service by maintaining separate sitting space for senior citizens where the executive prominently provides service by coming at their desks. |
| 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 |
✔ |
✔ |
| Valid passport & Visa |
✖ |
✔ |
| NRN Card |
✖ |
✔ |
| Minimum Balance (In Rs.) | 1,000. |
| Interest Rate | 3.5% per annum |
| Accidental Insurance | NA |
| Critical Illness | NA |
| Medical Insurance | NA |
| 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 |
| Discount on Loan Processing Fee (Personal Loans) | As per STC. |
| Discount on Interest Rate (Personal loans) | NA |
| Loan Against Pension Income Facility | Available. |
| 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. |
| Higher Interest Rate on Fixed Deposit | Additional 0.5% on the published interest rate of Fixed Deposit. |
| Pre- maturity of Fixed Deposit | As per STC. |
| Home Banking Facility | Withdrawal/Deposit maximum 2 times per month for the account holders maintaining the closing balance of Rs. 1 million and above on the previous working day. |
| Relationship Manager | NA |
| Privileged Service | Privileged service by maintaining separate sitting space for senior citizens where the executive prominently provides service by coming at their desks. |
| 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 |
✔ |
✔ |
| Valid passport & Visa |
✖ |
✔ |
| NRN Card |
✖ |
✔ |
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