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New Premium Super Chamatkarik Talab Bachat Khata
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This product is targeted for salaried people and has two variants i.e. Prime and Normal to differentiate for insurance coverage. The Prime variant is for those institutions having a minimum of 50 employees with average salary of Rs. 30k per months, and under normal variant is for institutions having a minimum of 5 and less than 50 employees.
Eligibility : Any Associated Entity.
Features
| Minimum Balance | Zero |
| Minimum Average Salary | Not Applicable |
| Interest Rate | 3.5% per annum |
| Accidental Insurance | NA |
| Critical Illness | NA |
| Medical Insurance | NA |
| Debit Card | Free for the First Year. |
| Credit Card (Joining and Issuance Fee) | Free Joining and issuance fee for the first year. |
| Internet Banking | Free for all year till the Operative account is maintained otherwise free for the first year only. |
| Mobile Banking | Free for the First Year. |
| Online Fixed Deposit Opening Facility | Available |
| E-commerce activation | Free |
| Viber Banking | Free |
| Missed Call Banking | Free |
| IVR Service | Free |
| ABBS Charge | free |
| Locker Annual Rent [Subject to Availability] | 50% discount on annual charges for the 1st year only. |
| Demat Account | As per STC |
| ATM Cash withdrawal/Balance Enquiry | Free from All ATMs in Nepal (On us and Off Us) |
| FCY Premium / Rebate (limited to USD, GBP, EUR, CAD, and AUD only) | 10 paisa |
| Balance certificate issuance fee | As per STC |
| Good for Payment | As per STC |
| International Dollar Card | 50% waiver on the issuance fee. |
| Scheme Transfer charge | Free (For one time only) |
| मासिक निक्षेप खाता Opening Facility | Customer can instruct to open मासिक निक्षेप खाता as per their wish with this account. |
| Others | Privilege service facility available. |
| Free Advance Internet Banking Facility for employer. | |
| RTGS free to the employer (2 times a month). | |
| Express clearing charge free for the organization presenting the cheque to route the salary of its employees. | |
| Facility to initiate salary transfer through Internet Banking |
Loan Related Benefits
The loan facility shall be provided for only Prime category of customers as follows;
| Loan Facility Available | Terms | For Govt/Semi Govt employees | For Other Institution |
|
Personal Loan/Overdraft Facility/Advance Salary/ Home Loan/Auto Loan/Loyalty Financing Facility/Education Loan |
Subsidized Interest Rate* | BR + Up to 2% | BR + Up to 3% |
| Loan Admin Fee | 0.75% | 0.75% | |
| All Other Facilities and Terms on Personal Loans shall be as guided by Bank Policy. | |||
| Credit Card Facility | All Facilities and Terms on Credit Card Facilities shall be as guided by Bank Policy. | ||
Loan Facility available to Employer (Payroll maintaining organization)
| Particular | Terms |
| NIC ASIA Employer Overdraft | All Facilities and Terms on Employer Overdraft shall be as guided by Bank Policy. |
Documents Required
| Particular | Nepalese Citizen |
|---|---|
| 1 PP Size Photo |
✔ |
| Copy of Citizenship/Valid Passport |
✔ |
| Employee ID card |
If available |
| Request letter from Organization to open an account | |
| Minimum Balance | Zero |
| Minimum Average Salary | NPR 30,000 |
| Interest Rate | 3.5% per annum |
| Accidental Insurance | Coverage of Rs. 10 Lakhs for Accountholder |
| Critical Illness |
Coverage of Rs. 5 Lakhs for Accountholder (Maximum criteria to eligible for an insurance claim is 60 years) |
| Medical Insurance |
Coverage of Rs. 1 Lakh for Accountholder (OPD upto Rs. 20,000 and Hospitalization treatment upto Rs. 80,000) (Maximum criteria to eligible for an insurance claim is 65 years) |
| Debit Card | Free for the First Year. |
| Credit Card (Joining and Issuance Fee) | Free Joining and issuance fee for the first year. |
| Internet Banking | Free for all year till the Operative account is maintained otherwise free for the first year only. |
| Mobile Banking | Free for the First Year. |
| Online Fixed Deposit Opening Facility | Available |
| E-commerce activation | Free |
| Viber Banking | Free |
| Missed Call Banking | Free |
| IVR Service | Free |
| ABBS Charge | Free |
| Locker Annual Rent [Subject to Availability] | 50% discount on annual charges for the 1st year only. |
| Demat Account | Free account opening and 1st year account operating fee free |
| ATM Cash withdrawal/Balance Enquiry | 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 | Free one time in each fiscal year |
| Good for Payment | As per STC |
| International Dollar Card | 100% waiver on the issuance fee. |
| Scheme Transfer charge | Free (For one time only) |
| मासिक निक्षेप खाता Opening Facility | Customer can instruct to open मासिक निक्षेप खाता as per their wish with this account. |
| Others | Privilege service facility available. |
| Free Advance Internet Banking Facility for employer. | |
| RTGS free to the employer (2 times a month). | |
| Express clearing charge free for the organization presenting the cheque to route the salary of its employees. | |
| Facility to initiate salary transfer through Internet Banking |
Loan Related Benefits
The loan facility shall be provided for only Prime category of customers as follows;
| Loan Facility Available | Terms | For Govt/Semi Govt employees | For Other Institution |
|
Personal Loan/Overdraft Facility/Advance Salary/ Home Loan/Auto Loan/Loyalty Financing Facility/Education Loan |
Subsidized Interest Rate* | BR + Up to 2% | BR + Up to 3% |
| Loan Admin Fee | 0.75% | 0.75% | |
| All Other Facilities and Terms on Personal Loans shall be as guided by Bank Policy. | |||
| Credit Card Facility | Availiable | ||
Loan Facility available to Employer (Payroll maintaining organization)
| Particular | Terms |
| NIC ASIA Employer Overdraft | All Facilities and Terms on Employer Overdraft shall be as guided by Bank Policy. |
Note: 1. As the payroll accounts have always been the Bank’s strategic focus and priority, thus facilities such as insurance coverage, loan facility, etc. at par with Prime category can be offered to institutions if the business volume and prospects sufficiently justifies the same. The approval of the same needs to be obtained from the Chief Executive Officer on each case separa
Documents Required
| Particular | Nepalese Citizen |
|---|---|
| 1 PP Size Photo |
✔ |
| Copy of Citizenship/Valid Passport |
✔ |
| Employee ID card |
If available |
| Request letter from Organization to open an account | |
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