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Super Chamatkarik Talab Bachat Khata

Super ChamatkarikTalab Bachat Khata is primarily a salary saving deposit product. It is a payroll account targeted to salaried employees in organization/institution. SCTBK is a super aggressive deposit product which is known for Insurance Benefit and ZERO BALANCE PAYROLL ACCOUNT. This saving deposit product provides higher return in savings and is basically targeted towards high end customers who value good return on one hand with equally maximum facilities on the other. To make this product more attractive, maximum features and services are provided to the customers.
Keep your employees happy by extending to them the benefits of modern, customized banking services through Super Chamatkarik Talab Bachat Khata.
Be safe with Accident insurance of Rs. 60 lakhs for family members*, Critical Illness insurance of Rs. 20 lakhs for a couple* and Medical Insurance Coverage of Rs. 1.5 lakhs for family.

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Basis Features*
Target group Salaried employees of organization having minimum 5 employees. 
Minimum Balance Zero
Minimum Average Salary Not Applicable
Interest Rate 6.50% p. a (Interest Rate is subject to change as per management decision time to time)
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 Insurance Coverage up to Rs. 60 lakhs.
-    5 times of monthly average balance or 15 lakhs for each family member whichever is lower. 
Critical Illness Coverage up to Rs. 20 lakhs for a couple.
-   5 times of monthly average balance or 10 lakhs for each whichever is lower.
Medical Insurance Up to Rs. 1.5 lakhs for family (Hospitalization case only) 
FCY Inward Remittance / Exchange Free
ABBS Charge Free
Balance certificate issuance fee Free one time in each fiscal year
ATM Cash withdrawal/Balance Enquiry No charge for withdrawal and balance enquiry from Any Bank’s ATM terminal in Nepal
Distinguished Features:  
Onsite Account Opening Yes
Missed Called/Viber 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 100% waiver on issuance fee
Facility to initiate salary transfer through Internet Banking Yes
Scheme transfer charges Waived
Other Privilege service facility available.
Free Advance Internet Banking Facility for employer
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.

Loan Facility available to Employees (Staff of the Payroll maintaining organization)

Loan Facility Available Terms For Govt/Semi Govt employees For Other Institution
Personal Loan/Overdraft Facility/Advance Salary/ Home Loan/Auto Loan/Loyalty Financing Facility/Education Loan Subsidized Interest Rate* BR + Upto 2% BR + Upto 3%
Discount on Loan Administration Fee Upto 25 basis point Upto 25 basis point
All Other Facilities and Terms on Personal Loans shall be as guided by Integrated PPG on Retail Loans “Prime Customer”
Credit Card Facility All Facilities and Terms on Credit Card Facilities shall be as guided by Integrated PPG on Retail Loans “Prime Customer”

Loan Facility available to Employer (Payroll maintaining organization)

Loan Facility Available Terms
NIC ASIA Employer Overdraft All Facilities and Terms on Employer Overdraft shall be as guided by Integrated PPG on Small and Medium Enterprises Loans.



  • Joint account opening facility is not allowed in this scheme.
  • Family refers to account holder, his/her spouse and two children below age of 21 as declared by account holder.

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