New Premium Salary Saving Account in Nepal

New Premium Super Chamatkarik Talab Bachat Khata

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.

Minimum Balance	Zero
Minimum Average Salary	Not Applicable
Interest Rate	3.60% 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

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

Additional Terms & Conditions in Prime Talab Bachat Khata

Minimum Balance	Zero
Minimum Average Salary	NPR 30,000
Interest Rate	3.60% 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