New Premium Super Chamatkarik Jestha Nagarik Bachat Khata

New Premium Super Chamatkarik Jestha Nagarik Bachat Khata

New Premium Super Chamatkarik Jestha Nagarik Bachat Khata

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%
Accidental Insurance Rs. 10 lakhs.
Critical Illness Rs. 10 lakhs.
Medical Insurance Rs. 1 Lakh (OPD up to Rs. 20,000 and Hospitalization treatment up to Rs. 80,000).
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 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.
Higher Interest Rate on Fixed Deposit Additional 0.5% on the published interest rate of Fixed Deposit.
Pre- maturity of Fixed Deposit 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 previous working day.
Relationship Manager  Assigned Separate RM who shall take care of 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) Interest rate 8.25% p.a. (additional 0.5% to be provided by branch manager) 

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%
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 Nill
Good for Payment Nill
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 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%
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 Nill
Good for Payment Nill
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 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

Helpdesk - NIC Asia Bank

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