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Super Chamatkarik Jestha Nagarik Bachat Khata

“Super Chamatkarik Jestha Nagarik Bachat Khata” is highest interest bearing saving account specially designed for senior citizens of 55 years & above who wants value for their saving and security of their funds.

Our customized “Super Chamatkarik Jestha Nagarik Bachat Khata” provides Free Insurance benefits, Home Banking Facility and Privileged Service. Similarly, the higher rates on Saving Deposits will assure your money grows faster with us.

The Bank offers free 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 in this account.

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Basis Silver Gold Diamond
Target Group Senior citizens of 55 years and above.
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%
Internet Banking (Waiver for 1st Year) 100% 100% 100%
Mobile Banking (Waiver for 1st Year) 100% 100% 100%
International Dollar Card 50% waiver on issuance fee one time only 100% waiver on issuance fee one time only 100% Waiver on issuance fee one time only
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)
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
Higher Interest Rate on Fixed Deposit Additional 0.5% on published interest rate of Fixed Deposit Additional 0.5% on published interest rate of Fixed Deposit Additional 0.5% on published interest rate of Fixed Deposit
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
Discount on Loan Processing Fee (Retail Loans) As per  STC Up to 25 basis point Flat 25 basis point
Loan Against Pension Income Facility Available Available Available
Pre- maturity of Fixed Deposit As per STC As per STC Charge for prematurity waived subject to fulfilment of;
-Pre matured of Fixed Deposit allowed if the period has crossed 50% of the total duration. 
Home Banking Facility Withdrawal/Deposit maximum 2 times per month for account holders maintaining closing balance of Rs. 1 million and above on previous working day. Withdrawal/Deposit maximum 3 times per month for account holders maintaining closing balance of Rs. 1 million and above on previous working day. Withdrawal/Deposit maximum 5 times per month for account holders maintaining closing balance of Rs. 1 million and above on previous working day.
Relationship Manager  NA NA Assigned Separate RM who shall take care of customer.
Scheme transfer charge Waived Waived Waived
Privileged Card NA NA Available
Privileged Service Privileged service by maintaining separate sitting space for senior citizen where executive prominently provides service by coming at their desk Privileged service by maintaining separate sitting space for senior citizen where executive prominently provides service by coming at their desk Privileged service by maintaining separate sitting space for senior citizen where executive prominently provides service by coming at their desk

 

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 maintain.
  • Relationship Bonding and cross selling;
    • Silver Category- One Personal Visit in a three months after taking consent from the customer
    • Gold Category- One Personal Visit in a two months after taking consent from the customer.
    • Diamond Category- One Personal Visit in a month after taking consent from the customer.
  • Family refers to account holder, his/her spouse and two children below age of 21 as declared by account holder.

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