New Premium Super Chamatkarik Talab Bachat Khata

New Premium Super Chamatkarik Talab Bachat Khata
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.

Features
Minimum Balance Zero
Minimum Average Salary Not Applicable
Interest Rate 3.5%
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%
Accidental Insurance Coverage of Rs. 10 Lakhs for Accountholder
Critical Illness Coverage of Rs. 5 Lakhs for Accountholder
Medical Insurance Coverage of Rs. 1 Lakh for Accountholder (OPD upto Rs. 20,000 and Hospitalization treatment upto Rs. 80,000)
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
Helpdesk - NIC Asia Bank

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