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Chamatkarik Talab Bachat Khata

Chamatkarik Talab Bachat Khata is customized zero Balance account with priority service and Benefits to employees.
Keep your employees happy by extending to them the benefits of modern, customized banking services through Chamatkarik Talab Bachat Khata.
Be safe with Accidental Death/Permanent Disability cover of Rs. 10 lakhs*, Critical Illness cover of Rs. 10 lakhs* and Medical Insurance Coverage of Rs. 1.5 lakhs.


Eligibility: All salaried employees of Institutions maintaining Payroll with us.

Basis Features
Minimum Balance Zero
Minimum Average Salary Not Applicable
Internet Banking Free for all year till the Operative account is maintained 
Mobile Banking Free for First Year
Debit Card  Free for First Year
Credit Card Issuance Fee Free Joining and issuance fee for first year
Demat Account Free account opening and 1st year account operating fee free
C-ASBA Registration/ Mero Share Facility Available
Annual Locker Charges [Subject to  Availability] 50% discount on annual charges for 1st year only
Accidental Death/Permanent Disability Insurance  5 times of Monthly Average Balance or Rs 10 Lakh whichever is lower
Medical Insurance Coverage up to Rs. 1.5 Lakh.
Critical Illness 5 times of Monthly Average Balance or Rs 10 Lakh whichever is lower
FCY Inward Remittance Free
ABBS Charge Free
Balance certificate issuance fee Free once a year
ATM Cash withdrawal/Balance Enquiry No charge for withdrawal and balance enquiry from Any Bank’s ATM terminal in Nepal
Distinguished Features:  
Credit Card Facility Terms For Govt/Semi Govt employees For Other Institution
Limit 5 Months Gross salary or Rs. 200K whichever is lower  3 Months Gross salary or Rs. 200K whichever is lower 
Personal Loan/Overdraft Facility/Advance Salary Terms For Govt/Semi Govt employees For Other Institution
Personal Loan Limit Minimum 25k and Maximum up to 1500K or 25 Months Gross salary whichever is lower Minimum 25k and Maximum up to 1500K or 25 Months Gross salary whichever is lower
Overdraft Limit 12 Months Gross salary or Rs. 500K whichever is lower  5 Months Gross salary or Rs. 500K whichever is lower 
Advance Salary Limit 3 Months Gross Salary 3 Months Gross Salary (such facility can be availed once a year and repayment shall be on 6 equal monthly installment)
(such facility can be availed once a year and repayment shall be on 6 equal monthly installment)
Maximum Cumulative limit of Overdraft, Advance Salary and Personal Loan Rs 15 lakh Rs 15 lakh
Subsidized Interest Rate BR + Upto 2% BR + Upto 3%
Discount on Loan Administration Fee Upto 25 basis point Upto 25 basis point
Onsite Account Opening Yes
Missed Called Banking  Yes
Online Fixed Deposit Account Opening Facility Yes
Recurring Deposit Account Opening Facility Yes
Rebate on purchase and premium on sell of FCY 15 paisa
International Debit Card 50% discount on issuance fee
Facility to initiate salary transfer through Internet Banking Yes
Scheme transfer charges Waived
Other Privilege service facility available.
Loan Swap Facility Available
-Overdraft facility to Employer- Upto 10 lakh not exceeding 70% of Net Working Capital.
Free Advance Internet Banking Facility
RTGS free to employer (2 times a month)
Express clearing charge free for the organization presenting the cheque to route the salary of its employees.

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