नेपाली 
Branch 
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Sarbashrestha Jestha Nagarik Bachat Khata
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This product is targeted at senior citizens of 55 years and above.
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Features
Product Variants and Customer Segment
| Particulars | The NIC ASIA Goodwill Ambassador |
| Customer Segment | Exclusive |
Interest Rate and Minimum Balance
| Particulars | The NIC ASIA Goodwill Ambassador |
| Minimum Balance (In Rs) | 100,000 |
| Interest Rate | 8.03% |
Insurance Benefits
| Particulars | The NIC ASIA Goodwill Ambassador |
| Accidental Insurance | Rs. 40 Lakhs |
| Critical Illness | Rs 40 Lakhs |
| Medical Insurance | Rs. 4 Lakh (OPD up to Rs. 80,000 and Hospitalization treatment up to Rs. 320,000) |
| Tenure of Insurance Facility | 5 Years |
| Insurance Coverage for | Account holder and Additional three persons as designated by account holder |
Wealth Maximization
| Particulars | The NIC ASIA Goodwill Ambassador |
| DEMAT Account | Free for Five Years |
| Mero Share Charge | Free for Five Years |
| Portfolio Management Service Fee | 50% Discount for Five Years |
| Flexi Fixed Facility | Available (In excess of Rs 200K ) |
| Flexi Fixed Interest Rate(%) | As per published Interest Rate |
| Prematurity Charge(%) | Difference between Fixed Deposit and Saving Interest Rate |
Loan Related Benefits
| Particulars | The NIC ASIA Goodwill Ambassador |
| Pre-approved Loan Limit ( Times of 3 Months Average balance) | 10 |
| Premium Over Base Rate on above loan limit(%) | 1 |
| Loan Processing Fee (%) | 0.25 |
| Loan Against Pension Income | Available |
Digital and Transaction Banking
| Particulars | The NIC ASIA Goodwill Ambassador |
| Debit Card | Free for Five Years |
| Mobile Banking | Free for Five Years |
| Internet Banking | Free for Five Years |
| Credit Card Limit (In Rs) | Up to 500,000 |
| Credit Card Joining and Issuance Fee | Free |
| Credit Card Annual Fee | Free for 5 Years |
| Pre-Paid Doller Card | Free for 5 years |
| E-Commerce Activation | Fully Free for 5 years |
| Free Cheque Processing | Fully Free for 5 years |
| Free RTGS | Fully Free for 5 years |
| Free IPS/CIPS/Fund Transfer | Fully Free for 5 years |
| Locker Rentals | 100% Locker Fee free for 5 years |
| Locker Margin | 100% Waiver |
| FCY Exchange rebate/premium (limited to USD, GBP, EUR, CAD and AUD only) | 25 Paisa |
| ATM Cash Withdrawal (Domestic Bank) | Free for 5 years |
| ATM Balance Inquiry (Domestic Bank) | Free for 5 years |
Privilege Banking
| Particulars | The NIC ASIA Goodwill Ambassador |
| Guaranteed Service Delivery (In Mins) | 50% of Standard |
| Compensation for waiting time beyond TAT (In Rs) | 10 |
| Dedicated Relationship Management | Available |
| Home Banking | Withdrawal/Deposit maximum 5 times per month for account holders maintaining closing balance of Rs. 1 million and above on previous working day. |
Notes:
- In case of online account, the account holder shall be eligible for designated freebies/benefits only after maintaining of the minimum balance in the account.
Want to see how much benefit you can earn? Click here!
*Terms and Conditions apply
Product Variants and Customer Segment
| Particulars | The Pride of NIC ASIA Bank |
| Customer Segment | Privileged |
Interest Rate and Minimum Balance
| Particulars | The Pride of NIC ASIA Bank |
| Minimum Balance (In Rs) | 50,000 |
| Interest Rate | 8.03% |
Insurance Benefits
| Particulars | The Pride of NIC ASIA Bank |
| Accidental Insurance | Rs. 20 Lakhs |
| Critical Illness | Rs 20 Lakhs |
| Medical Insurance | Rs. 2 Lakh (OPD up to Rs. 40,000 and Hospitalization treatment up to Rs. 160,000) |
| Tenure of Insurance Facility | 5 Years |
| Insurance Coverage for | Account holder and Additional one person as designated by account holder |
Wealth Maximization
| Particulars | The Pride of NIC ASIA Bank |
| DEMAT Account | Free for Five Years |
| Mero Share Charge | Free for Five Years |
| Portfolio Management Service Fee | 50% Discount for Five Years |
| Flexi Fixed Facility | N/A |
| Flexi Fixed Interest Rate(%) | N/A |
| Prematurity Charge (%) | N/A |
Loan Related Benefits
| Particulars | The Pride of NIC ASIA Bank |
| Pre-approved Loan Limit ( Times of 3 Months Average balance) | 10 |
| Premium Over Base Rate on above loan limit(%) | 1 |
| Loan Processing Fee (%) | 0.25 |
| Loan Against Pension Income | Available |
Digital and Transaction Banking
| Particulars | The Pride of NIC ASIA Bank |
| Debit Card | Free for Five Years |
| Mobile Banking | Free for Five Years |
| Internet Banking | Free for Five Years |
| Credit Card Limit (In Rs) | Up to 500,000 |
| Credit Card Joining and Issuance Fee | Free |
| Credit Card Annual Fee | Free for Five Years |
| Pre-Paid Doller Card | Free for Five years |
| E-Commerce Activation | Fully Free for five years |
| Free Cheque Processing | Fully Free for five years |
| Free RTGS | Fully Free for five years |
| Free IPS/CIPS/Fund Transfer | Fully Free for five years |
| Locker Rentals | 100% Locker Fee free for five years |
| Locker Margin | 100% Waiver |
| FCY Exchange rebate/premium (limited to USD, GBP, EUR, CAD and AUD only) | 25 Paisa |
| ATM Cash Withdrawal (Domestic Bank) | Free for five years |
| ATM Balance Inquiry (Domestic Bank) | Free for five years |
Privilege Banking
| Particulars | The Pride of NIC ASIA Bank |
| Guaranteed Service Delivery (In Mins) | 50% of Standard |
| Compensation for waiting time beyond TAT (In Rs) | 10 |
| Dedicated Relationship Management | Available |
| Home Banking | Withdrawal/Deposit maximum 5 times per month for account holders maintaining closing balance of Rs. 1 million and above on previous working day. |
Notes:
- In case of online account, the account holder shall be eligible for designated freebies/benefits only after maintaining of the minimum balance in the account.
Want to see how much benefit you can earn? Click here!
*Terms and Conditions apply
Product Variants and Customer Segment
| Particulars | The Partner of NIC ASIA Bank |
| Customer Segment | Priority |
Interest Rate and Minimum Balance
| Particulars | The Partner of NIC ASIA Bank |
| Minimum Balance (In Rs) | 25,000 |
| Interest Rate | 8.03% |
Insurance Benefits
| Particulars | The Partner of NIC ASIA Bank |
| 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) |
| Tenure of Insurance Facility | 5 Years |
| Insurance Coverage for | Account Holder Only |
Wealth Maximization
| Particulars | The Partner of NIC ASIA Bank |
| DEMAT Account | Free for Five Years |
| Mero Share Charge | Free for Five Years |
| Portfolio Management Service Fee | 50% Discount for Five Years |
| Flexi Fixed Facility | N/A |
| Flexi Fixed Interest Rate (%) | N/A |
| Prematurity Charge (%) | N/A |
Loan Related Benefits
| Particulars | The Partner of NIC ASIA Bank |
| Pre-approved Loan Limit ( Times of 3 Months Average balance) | 10 |
| Premium Over Base Rate on above loan limit(%) | 1 |
| Loan Processing Fee (%) | 0.25 |
| Loan Against Pension Income | Available |
Digital and Transaction Banking
| Particulars | The Partner of NIC ASIA Bank |
| Debit Card | Free for Five Years |
| Mobile Banking | Free for Five Years |
| Internet Banking | Free for Five Years |
| Credit Card Limit (In Rs) | Upto 500,000 |
| Credit Card Joining and Issuance Fee | Free |
| Credit Card Annual Fee | Free for Five Years |
| Pre-Paid Doller Card | Free for Five years |
| E-Commerce Activation | Fully Free for five years |
| Free Cheque Processing | Free for five years |
| Free RTGS | Fully Free for five years |
| Free IPS/CIPS/ Fund Transfer | Fully Free for five years |
| Locker Rentals | 100% Locker Fee free for five years |
| Locker Margin | 100% Waiver |
| FCY Exchange rebate/premium (limited to USD, GBP, EUR, CAD and AUD only) | 25 Paisa |
| ATM Cash Withdrawal (Domestic Bank) | Free for five years |
| ATM Balance Inquiry (Domestic Bank) | Free for five years |
Privilege Banking
| Particulars | The Partner of NIC ASIA Bank |
| Guaranteed Service Delivery (In Mins) | 50% of Standard |
| Compensation for waiting time beyond TAT (In Rs) | 10 |
| Dedicated Relationship Management | Available |
| Home Banking | Withdrawal/Deposit maximum 5 times per month for account holders maintaining closing balance of Rs. 1 million and above on previous working day. |
Notes:
- In case of online account, the account holder shall be eligible for designated freebies/benefits only after maintaining of the minimum balance in the account.
Want to see how much benefit you can earn? Click here!
*Terms and Conditions apply
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२४ सर्वश्रेष्ठ सुविधाका साथ एन आई सी एशिया बैंक प्रस्तुत गर्दछ, सर्वश्रेष्ठ बचत तथा मुद्दती खाता ।
अब एउटै खातामा प्राप्त गर्नुहोस्, ८४ लाख रूपैयाँसम्मको बीमा सम्बन्धी फाइदाहरू, ३ कर्जा सम्बन्धी फाइदाहरू र १८ अन्य सर्वश्रेष्ठ फाइदाहरू ।
