New Premium Super Chamatkarik Bachat Khata
New Premium Super Chamatkarik Bachat Khata

To keep your employees happy by extending to them the benefits of modern, customized banking services.

Product Variants and Customer Segment

Particulars  The NIC ASIA Goodwill Ambassador
Customer Segment Number of Employee 50 and above

Interest Rate and Minimum Balance

Particulars The NIC ASIA Goodwill Ambassador
Minimum Balance (In Rs) Zero
Interest Rate 7.05% p.a

Insurance Benefits

Particulars The NIC ASIA Goodwill Ambassador
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)

Wealth Maximization

Particulars The NIC ASIA Goodwill Ambassador
DEMAT Account Free for First Year
Mero Share Charge Free for First Year
Portfolio Management Service Fee 50% Discount for First Year
Flexi Fixed Facility  Available (In excess of Rs 200K )
Flexi Fixed Interest Rate(%) 10.05
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 Facility Available

Terms For Gov/Semi Gov 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%  
Loan Admin Fee 0.75% 0.75%
 Loan Admin fee is subject to changes as per management decision time to time and shall be published in STC.
All other facilities and terms on personal loans shall be as guided by integrated PPG on retail loans"Prime Customer"

Note: The Loan facility shall be provided to both segment.

Digital and Transaction Banking

Particulars The NIC ASIA Goodwill Ambassador
Debit Card Type Platinum
Debit Card Free for Five Years
Mobile Banking Free for Five Years
Internet Banking Free for Five Years
Credit Card Limit (In Rs) 500,000
Credit Card Joining Fee Free
Credit Card Issuance Fee Free
Supplementary Credit Card Free
Pre-Paid Diller Card Free
E-Commerce Activation Free
Free Cheque Processing (Per Month) -
Free RTGS(Per Month) -
Free IPS/CIPS(Per Month) -
Locker Rentals 100% Locker Fee
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
ATM Balance Inquiry (Domestic Bank) Free

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

Notes:

As the payroll accounts have always been the Bank’s strategic focus and priority, thus facilities such as insurance coverage etc. at par with Goodwill Ambassador category can be offered to institutions falls under Pride category, 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 separately and accounts need to book under Goodwill Ambassador scheme.

Product Variants and Customer Segment

Particulars  The Pride of NIC ASIA 
Customer Segment Number of Employee 5 to 49

Interest Rate and Minimum Balance

Particulars The Pride of NIC ASIA 
Minimum Balance (In Rs) Zero
Interest Rate 7.05% p.a

Insurance Benefits

Particulars The Pride of NIC ASIA 
Accidental Insurance N/A
Critical Illness N/A
Medical Insurance N/A

Wealth Maximization

Particulars The Pride of NIC ASIA 
DEMAT Account Free for First Year
Mero Share Charge Free for First Year
Portfolio Management Service Fee 50% Discount for First Year
C-ASBA Life Time Free
Flexi Fixed Facility  Available (In excess of Rs 200K )
Flexi Fixed Interest Rate(%) 9.50
Prematurity Charge(%) Pre-maturity charge 2% p.a

Loan Related Benefits

Particulars The Pride of NIC ASIA 
Pre-approved Loan Limit ( Times of 3 Months Average balance) 10
Premium Over Base Rate on above loan limit(%) 1
Loan Processing Fee (%) 0.50

Loan Facility Available

Terms For Gov/Semi Gov 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%  
Loan Admin Fee 0.75% 0.75%
 Loan Admin fee is subject to changes as per management decision time to time and shall be published in STC.
All other facilities and terms on personal loans shall be as guided by integrated PPG on retail loans"Prime Customer"

Note: The Loan facility shall be provided to both segment.

Digital and Transaction Banking

Particulars The Pride of NIC ASIA 
Debit Card Type Gold
Debit Card Free for Five Years
Mobile Banking Free for Five Years
Internet Banking Free for Five Years
Credit Card Limit (In Rs) 250,000
Credit Card Joining Fee Free
Credit Card Issuance Fee Free
Supplementary Credit Card As per STC
Pre-Paid Diller Card As per STC
E-Commerce Activation Free
Free Cheque Processing (Per Month)  
Free RTGS(Per Month)
Free IPS/CIPS(Per Month)
Locker Rentals 50% Locker Fee
Locker Margin As per STC
FCY Exchange rebate/premium (limited to USD, GBP, EUR, CAD and AUD only) 15 Paisa
ATM Cash Withdrawal (Domestic Bank) Free
ATM Balance Inquiry (Domestic Bank) Free

Privilege Banking

Particulars The Pride of NIC ASIA 
Guaranteed Service Delivery (In Mins) Standard
Compensation for waiting time beyond TAT (In Rs) 5
Dedicated Relationship Management No

Notes:
As the payroll accounts have always been the Bank’s strategic focus and priority, thus facilities such as insurance coverage etc. at par with Goodwill Ambassador category can be offered to institutions falls under Pride category, 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 separately and accounts need to book under Goodwill Ambassador scheme.

NIC Asia Bank
Helpdesk - NIC Asia Bank

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