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Super Chamatkarik Bachat Khata

The future is uncertain and you need to prepare for rainy days. Therefore, saving has become a necessity today. Save your hard-earned money at NIC ASIA Bank and transform the way you manage your money. 
Super Chamatkarik Bachat Khata accommodates exclusive benefits and competitive rates to help you grow your fund. Save with us to secure your family’s future and earn interest while accessing your money 24*7 through our widespread branch, ATM network and digital banking channels. 
Secure your family's future by opening Super Chamatkarik Bachat Khata as we offer you and your family a combined insurance benefit of up to Rs One Crore Thirty One Lakh Fifty Thousand Rupees for free.  

Be safe with Accident insurance of Rs. One crore for family members*, Critical Illness insurance of Rs. 30 lakhs for a couple* and Medical Insurance Coverage of Rs. 1.5 lakhs for family.

Eligibility: General public of all age, income level and any gender.

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Basis Silver Gold Diamond
Target Segment General public of all age, income level and any gender.
Minimum Balance  (In Rs.) 1,000 25,000 100,000
Interest Rate 6.5%  p.a. 6.5%  p.a. 6.5%  p.a.
Debit Card (Waiver for 1st Year) 100% 100% 100%
Credit Card (Waiver for 1st Year) 100% 100% 100%
Internet Banking (Waiver for 1st Year) 100% 100% 100%
Mobile Banking (Waiver for 1st Year) 100% 100% 100%
Accidental Insurance Coverage of Rs. 40 lakhs. Coverage of Rs. 60 lakhs. Coverage of Rs. 1 Crore.
-    4 times of monthly average balance or 10 lakhs for each family member whichever is lower.  -   15 lakhs for each family member.  -   25 lakhs for each family member. 
Critical Illness Coverage up to Rs. 20 lakhs for a couple. Coverage up to Rs. 20 lakhs for a couple. Coverage up to Rs. 30 lakhs for a couple.
-   4 times of monthly average balance or 10 lakhs for each whichever is lower. -10 lakhs for each  -15 lakhs for each 
Medical Insurance NA NA Up to Rs. 1.5 lakh for family
(Hospitalization case only)
Sweep In/Sweep Out facility NA NA Interest rate:9.25% p.a
ABBS  Up to Rs. 200K per day Up to Rs. 500K per day Free
Locker Margin 25% waiver 50% waiver 100% waiver
Locker Annual Rent 25% discount for first year 50% discount for first year 100% discount for first year
Recurring Deposit Account opening facility Customer can instruct to open RD account as per their wish with this account. Customer can instruct to open RD account as per their wish with this account. Customer can instruct to open RD account as per their wish with this account.
DEMAT Account Free for 1st year Free for 1st year Free for 1st year
ATM Withdrawal Charges/ Balance inquiry  Free from All ATMs in Nepal (On us and Off Us) Free from All ATMs in Nepal (On us and Off Us) Free from All ATMs in Nepal (On us and Off Us)
FCY Premium Rebate / Exchange  5 Paisa 10 Paisa 15 Paisa
Balance Certificate issuance fee 50% charge waiver for one time in each fiscal year  100% charge waiver for one time in each fiscal year 100% charge waiver for one time in each fiscal year
Good for Payment 50% charge waiver for one time in each fiscal year  100% charge waiver for one time in each fiscal year 100% charge waiver for one time in each fiscal year
International Dollar Card 50% charge waiver for one time in each fiscal year 100% waiver on issuance fee one time only 100% Waiver on issuance fee one time only
Discount on Loan Processing Fee (Retail Loans) As per  STC Up to 25 basis point Flat 25 basis point
Online Account Opening Facility Available (Minimum balance to maintain to be eligible for all freebies and insurance benefit) Available (Minimum balance to maintain to be eligible for all freebies and insurance benefit) Available (Minimum balance to maintain to be eligible for all freebies and insurance benefit)
Inward IPS transfer charge reimbursement facility for online customer Available (as per actual basis subject to NPR 1000 and above) Available(as per actual basis subject to NPR 1000 and above) Available(as per actual basis subject to NPR 1000 and above)
E-commerce activation  Free Free Free
Scheme transfer charge Waiver  Waiver  Waiver 
Privileged Card NA NA Available

 

Note:

  • Joint account opening facility is not allowed in this scheme.
  • In case of account open through digital channel i.e online account customer isn’t eligible for any freebies and insurance benefit until minimum balance is maintained.
  • Family denotes account holder, his/her spouse and two children below age of 21 as declared by account holder.

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