<table style="border-collapse: collapse; width: 100%;" border="1">
<tbody>
<tr>
<td style="width: 50.1285%;">Particular</td>
<td style="width: 50.1285%;">Benefits</td>
</tr>
<tr>
<td style="width: 50.1285%;">
Accidental Insurance
</td>
<td style="width: 50.1285%;">
Rs. 40 lakhs (NPR 10 Lakhs to each account)
</td>
</tr>
<tr>
<td style="width: 50.1285%;">
Critical Illness
</td>
<td style="width: 50.1285%;">
Rs. 40 lakhs (NPR 10 Lakhs to each account)
</td>
</tr>
<tr>
<td style="width: 50.1285%;">
Medical Insurance
</td>
<td style="width: 50.1285%;">
Rs. 4 Lakh (OPD up to Rs. 80,000 and Hospitalization treatment up to Rs. 320,000)
(NPR 1 Lakh to each account)
</td>
</tr>
<tr>
<td style="width: 50.1285%;">
Tenure of Insurance Facility
</td>
<td style="width: 50.1285%;">
5 Years
</td>
</tr>
<tr>
<td style="width: 50.1285%;">
Insurance Coverage for
</td>
<td style="width: 50.1285%;">
Account holder and Additional three persons as designated by account holder. Designated persons must have account under "Sarbashrestha Bundled Sahaj Bachat Khata"
</td>
</tr>
</tbody>
</table>

<table style="border-collapse: collapse; width: 100%;" border="1">
<tbody>
<tr>
<td style="width: 50.1285%;">विवरण &nbsp; &nbsp;</td>
<td style="width: 50.1285%;">फाइदाहरु&nbsp;</td>
</tr>
<tr>
<td style="width: 50.1285%;">
दुर्घटना बीमा
</td>
<td style="width: 50.1285%;">
रु. ४० लाख (रु. १० लाख प्रति खाता)
</td>
</tr>
<tr>
<td style="width: 50.1285%;">
दीर्घ रोग
</td>
<td style="width: 50.1285%;">
रु. ४० लाख (रु. १० लाख प्रति खाता)
</td>
</tr>
<tr>
<td style="width: 50.1285%;">
स्वास्थ्य उपचार बीमा
</td>
<td style="width: 50.1285%;">
रु. ४ लाख (ओपीडी रु. ८० हजारसम्म र अस्पताल भर्ना भएमा रु. ३२०००० सम्म (रु. १ लाख प्रति खाता)
</td>
</tr>
<tr>
<td style="width: 50.1285%;">
बीमा अवधि
</td>
<td style="width: 50.1285%;">
५ वर्ष&nbsp;
</td>
</tr>
<tr>
<td style="width: 50.1285%;">
बीमा सुविधा पाउने व्यक्ति
</td>
<td style="width: 50.1285%;">
खातावाला र खातावालाले मनोनयन गरेका अन्य थप तीन जना । मनोनयन भएका तीन जनाले सर्वश्रेष्ठ बण्डल सहज बचत खाता हुनुपर्छ ।
</td>
</tr>
</tbody>
</table>

<table style="border-collapse: collapse; width: 100%;" border="1">
<tbody>
<tr>
<td style="width: 50.1285%;">Particular</td>
<td style="width: 50.1285%;">Benefits</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
DEMAT Account
</td>
<td style="width: 50.1285%;" width="444">
Free For Five Years
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
MERO Share Charge
</td>
<td style="width: 50.1285%;" width="444">
Free For Five Years
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Portfolio Management Service Fee
</td>
<td style="width: 50.1285%;" width="444">
50% Discount for Five Years
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Flexi Fixed Facility
</td>
<td style="width: 50.1285%;" width="444">
Available (In excess of Rs. 200K)
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Flexi Fixed Interest Rate (%)
</td>
<td style="width: 50.1285%;" width="444">
As per published Interest Rate
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Prematurity Charge (%)
</td>
<td style="width: 50.1285%;" width="444">
Difference between FD &amp; saving interest rate (At present 3 %)
</td>
</tr>
</tbody>
</table>

<table style="border-collapse: collapse; width: 100%;" border="1">
<tbody>
<tr>
<td style="width: 50.1285%;">विवरण &nbsp;</td>
<td style="width: 50.1285%;">फाइदाहरु&nbsp;</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
डिम्याट खाता
</td>
<td style="width: 50.1285%;" width="444">
पाँच वर्षलाई निशुल्क
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
मेरो शेयर शुल्क
</td>
<td style="width: 50.1285%;" width="444">
पाँच वर्षलाई निशुल्क
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
पोर्टफोलियो म्यानेजमेन्ट सेवा शुल्क
</td>
<td style="width: 50.1285%;" width="444">
पाँच वर्षलाई ५०% निशुल्क
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
फ्लेक्जी मुद्धति सुविधा&nbsp;
</td>
<td style="width: 50.1285%;" width="444">
उपलब्ध (२ लाखभन्दा माथि)
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
फ्लेक्जी मुद्धति ब्याज दर %
</td>
<td style="width: 50.1285%;" width="444">
सार्वजनिक रुपमा प्रकाशित ब्याज दर&nbsp;
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
प्रिम्याचुअरिटी शुल्क %
</td>
<td style="width: 50.1285%;" width="444">
मुद्धति खाता र बचत खातामा उपलब्ध ब्याज दरको अन्तर (अहिले ३%)
</td>
</tr>
</tbody>
</table>

सम्पत्ति अभिवृद्धि

<table style="border-collapse: collapse; width: 100%;" border="1">
<tbody>
<tr>
<td style="width: 50.1285%;">Particular</td>
<td style="width: 49.8715%;">Benefits</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Debit Card
</td>
<td style="width: 49.8715%;" width="444">
Free for Five Years
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Mobile Banking
</td>
<td style="width: 49.8715%;" width="444">
Free for Five Years
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Internet Banking
</td>
<td style="width: 49.8715%;" width="444">
Free for Five Years
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Credit Card Limit (In Rs)
</td>
<td style="width: 49.8715%;" width="444">
Up to 500,000
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Credit Card Joining and Issuance Fee
</td>
<td style="width: 49.8715%;" width="444">
Free
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Credit Card Annual Fee
</td>
<td style="width: 49.8715%;" width="444">
Free for Five Years
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Prepaid Dollar Card
</td>
<td style="width: 49.8715%;" width="444">
Free for Five years
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
E-Commerce Activation and Annual Charge
</td>
<td style="width: 49.8715%;" width="444">
Free for Five years
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Cheque Processing
</td>
<td style="width: 49.8715%;" width="444">
Free for Five Years
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
RTGS
</td>
<td style="width: 49.8715%;" width="444">
Free for Five Years
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
IPS/CIPS
</td>
<td style="width: 49.8715%;" width="444">
Free for Five Years
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Locker Rentals
</td>
<td style="width: 49.8715%;" width="444">
100% Locker Fee Free for Five Years
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Locker Margin
</td>
<td style="width: 49.8715%;" width="444">
100% Waiver for Five Years
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
FCY Exchange rebate/premium (limited to USD, GBP, EUR, CAD and AUD only)
</td>
<td style="width: 49.8715%;" width="444">
25 paisa
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
ATM Cash Withdrawal (Domestic Bank)
</td>
<td style="width: 49.8715%;" width="444">
Free for Five Years
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
ATM Balance Inquiry (Domestic Bank)
</td>
<td style="width: 49.8715%;" width="444">
Free for Five Years
</td>
</tr>
</tbody>
</table>

<table style="border-collapse: collapse; width: 100%;" border="1">
<tbody>
<tr>
<td style="width: 50.1285%;">विवरण &nbsp;</td>
<td style="width: 49.8715%;">फाइदाहरु&nbsp;</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
डेबिट कार्ड
</td>
<td style="width: 49.8715%;" width="444">
पाँच वर्षसम्म निशुल्क
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
मोबाइल बैकिङ
</td>
<td style="width: 49.8715%;" width="444">
पाँच वर्षसम्म निशुल्क
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
इन्टरनेट बैंकिङ
</td>
<td style="width: 49.8715%;" width="444">
पाँच वर्षसम्म निशुल्क
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
क्रेडिट कार्ड सीमा (रु.)
</td>
<td style="width: 49.8715%;" width="444">
५००,००० सम्म
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
क्रेडिट कार्ड दर्ता र जारी शुल्क
</td>
<td style="width: 49.8715%;" width="444">
निशुल्क
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
क्रेडिट कार्ड वार्षिक शुल्क
</td>
<td style="width: 49.8715%;" width="444">
पाँच वर्षसम्म निशुल्क
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
प्रिपेड डलर कार्ड
</td>
<td style="width: 49.8715%;" width="444">
पाँच वर्षसम्म निशुल्क
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
ई-कमर्श सुचारु र वार्षिक शुल्क
</td>
<td style="width: 49.8715%;" width="444">
पाँच वर्षसम्म निशुल्क
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
चेक प्रोसेसिङ
</td>
<td style="width: 49.8715%;" width="444">
पाँच वर्षसम्म निशुल्क
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
आरटीजीएस
</td>
<td style="width: 49.8715%;" width="444">
पाँच वर्षसम्म निशुल्क
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
आईपीएस/सीआईपीएस
</td>
<td style="width: 49.8715%;" width="444">
पाँच वर्षसम्म निशुल्क
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
लकर शुल्क
</td>
<td style="width: 49.8715%;" width="444">
पाँच वर्षको लागि १००% लकर शुल्क निशुल्क&nbsp;
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
लकर मार्जिन
</td>
<td style="width: 49.8715%;" width="444">
पाँच वर्षका लागि १००% फिर्ता
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
अमेरिकी डलर, क्यानेडियन डलर, अष्ट्रेलियन डलर, ब्रिटिस पाउन्डस्ट्रलिङ र युरो किन्दा वा बेच्दा हुनेदा बढी फाइदा
</td>
<td style="width: 49.8715%;" width="444">
२५ पैसा&nbsp;
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
एटीएम क्यास विथड्रल (स्वदेशी बैंक)
</td>
<td style="width: 49.8715%;" width="444">
पाँच वर्षसम्म निशुल्क
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
एटीएम ब्यालेन्स जानकारी (स्वदेशी बैंक)
</td>
<td style="width: 49.8715%;" width="444">
पाँच वर्षसम्म निशुल्क
</td>
</tr>
</tbody>
</table>

डिजिटल र कारोबार सेवा

<table style="border-collapse: collapse; width: 100%;" border="1">
<tbody>
<tr>
<td style="width: 50.1285%;">Particular</td>
<td style="width: 50.1285%;">Benefits</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Pre-approved Loan Limit (Times of 3 Months Average balance)
</td>
<td style="width: 50.1285%;" width="444">
10
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Premium Over Base Rate on above loan limit (%)
</td>
<td style="width: 50.1285%;" width="444">
1
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
Loan Processing Fee (%)
</td>
<td style="width: 50.1285%;" width="444">
0.25
</td>
</tr>
</tbody>
</table>

<table style="border-collapse: collapse; width: 100%;" border="1">
<tbody>
<tr>
<td style="width: 50.1285%;">विवरण</td>
<td style="width: 50.1285%;">फाइदाहरु&nbsp;</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
पूर्व स्वीकृति कर्जा सीमा (तीन महिनाको औषत ब्यालेस)
</td>
<td style="width: 50.1285%;" width="444">
१०
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
कर्जा सीमाभन्दा माथिको कर्जामा प्रिमियम आधार दर %
</td>
<td style="width: 50.1285%;" width="444">
१
</td>
</tr>
<tr>
<td style="width: 50.1285%;" width="216">
कर्जा प्रकृया शुल्क %
</td>
<td style="width: 50.1285%;" width="444">
०.२५
</td>
</tr>
</tbody>
</table>

कर्जा सम्बन्धी फाइदाहरु

<table style="border-collapse: collapse; width: 100%; height: 232.875px;" border="1">
<tbody>
<tr style="height: 18.2188px;">
<td style="width: 50.1285%; height: 18.2188px;">Particular</td>
<td style="width: 50.1285%; height: 18.2188px;">Benefits</td>
</tr>
<tr style="height: 65.2188px;">
<td style="width: 50.1285%; height: 65.2188px;" width="216">
Guaranteed Service Delivery (In Mins)
</td>
<td style="width: 50.1285%; height: 65.2188px;" width="444">
50% of Standard
</td>
</tr>
<tr style="height: 84.2188px;">
<td style="width: 50.1285%; height: 84.2188px;" width="216">
Compensation for waiting time beyond TAT(In Rs. per instance)
</td>
<td style="width: 50.1285%; height: 84.2188px;" width="444">
10
</td>
</tr>
<tr style="height: 65.2188px;">
<td style="width: 50.1285%; height: 65.2188px;" width="216">
Dedicated Relationship Management
</td>
<td style="width: 50.1285%; height: 65.2188px;" width="444">
Available
</td>
</tr>
</tbody>
</table>

<table style="border-collapse: collapse; width: 100%; height: 232.875px;" border="1">
<tbody>
<tr style="height: 18.2188px;">
<td style="width: 50.1285%; height: 18.2188px;">विवरण</td>
<td style="width: 50.1285%; height: 18.2188px;">फाइदाहरु&nbsp;</td>
</tr>
<tr style="height: 65.2188px;">
<td style="width: 50.1285%; height: 65.2188px;" width="216">
सुनिष्चित सेवा प्रवाह (मिनेटमा)&nbsp; &nbsp;
</td>
<td style="width: 50.1285%; height: 65.2188px;" width="444">
मापदण्डको ५०%&nbsp;
</td>
</tr>
<tr style="height: 84.2188px;">
<td style="width: 50.1285%; height: 84.2188px;" width="216">
अतिरिक्त समयमा सेवाको लागि पर्खनु परेमा (रु. प्रति घटना)
</td>
<td style="width: 50.1285%; height: 84.2188px;" width="444">
१०
</td>
</tr>
<tr style="height: 65.2188px;">
<td style="width: 50.1285%; height: 65.2188px;" width="216">
सुनिष्चित आपसी व्यवस्थापन&nbsp;
</td>
<td style="width: 50.1285%; height: 65.2188px;" width="444">
उपलब्ध&nbsp;
</td>
</tr>
</tbody>
</table>

विशेषधिकार बैंक सेवा

With our digital transaction services, you can easily make payments at over 1,000+ merchant outlets.

हाम्रो डिजिटल कारोबार सेवाबाट हजारभन्दा धेरै मर्चेन्टमा भुक्तानी गर्न सक्नुहुन्छ ।

खाता लाभहरू तुलना गर्नुहोस्

Sarbashrestha Bachat Khata- The NIC ASIA Goodwill Ambassador is an interest-yielding saving account designed for all customers, irrespective of gender and age, offering diverse financial services.

सर्वश्रेष्ठ बचत खाता&ndash; द एन आई सी एशिया गुडविल एम्बेसडर उच्च ब्याजदरसहित सबै किसिमका उमेर, लिंकका ग्राहक महानुभावहरुलाई ल्याइएको खाता हो ।

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />Original Citizenship/ Voter ID / Driving License&nbsp;

<img src="../framework/uploads/Icons/Documents1.png" alt="" width="33" height="33" />मूल नागरिकता / मतदाता परिचय पत्र / ड्राइभिङ लाइसेन्स

<img src="../framework/uploads/Icons/pp.png" alt="" width="33" height="33" />PP size photo

<img src="../framework/uploads/Icons/pp.png" alt="" width="32" height="32" />पासपोर्ट साइज फोटो

Required Documents

आवश्यक कागजातहरू

<ul>
<li>Insurance benefits up to Rs 84 Lakhs.</li>
<li>5 year free annual charge on debit card / mobile banking /internet banking</li>
<li>Free locker facility</li>
<li>Free Cash Withdrawal/Balance Enquiry from any BFI&rsquo;s ATM&rsquo;s all across the country.</li>
<li>Sweep In / Sweep Out Facility</li>
<li>Free cash withdrawals from any ATMs in Nepal for five years.</li>
<li>Pre-approved Loan Facility</li>
</ul>

<ul>
<li>रु. ८४ लाखसम्मको बीमा लाभ</li>
<li>डेबिट कार्ड, मोबाइल बैंकिङ्ग र इन्टरनेट बैंकिङ्गमा पाँच वर्षसम्मको वार्षिक शूल्क नलाग्ने&nbsp;</li>
<li>लकर सेवा निशुल्क</li>
<li>निशुल्क एटीएम&divide;कुनै पनि वित्तीय संस्थाको एटीएमबाट निशुल्क ब्यालेन्स हेर्ने सुविधा</li>
<li>स्वीप इन र स्वीप आउट सुविधा</li>
<li>मुलुकभर कुनै पनि एटीएमबाट पाँच वर्षसम्म निशुल्क रकम झिक्न सकिने</li>
<li>पूर्व स्वीकृति कर्जा</li>
</ul>

*<a href="../framework/uploads/nic_terms_conditions.pdf" target="_blank" rel="noopener">Terms and Condition</a>&nbsp;may apply | The card offers are upto 5 years only. Fees and charges apply and may change.
Note
<ul>
<li>In case of online account, the account holder shall be eligible for designated freebies/benefits only after maintaining of the minimum balance in the account.</li>
</ul>

*सर्तहरु लागू हुनेछन् । कार्ड अफर ५ वर्षसम्मको लागि मात्र । शुल्कहरु समयअनुसार परिवर्तन हुनसक्छन् ।
नोट:
<ul>
<li>अनलाइन खातावाताको सन्दर्भमा, आफ्नो खातामा न्यूनतम ब्यालेन्स व्यवस्थापन गर्नु भएका खातावालाले निशुल्क सेवाहरु उपभोग गर्न योग्य हुनुहुनेछ ।</li>
</ul>

Product Features and Benefits

Insurance Benefits

Wealth Maximization

Digital and Transaction Banking

Loan Related Benefits

Privilege Banking

Required Documents

Sarbashrestha Jestha Nagarik Bachat Khata

Sarbashrestha Nari Bachat Khata

Sarbashrestha Kathmandu Mahanagarpalika Bachat Khata

Sarbashrestha Payroll Bachat Khata

Particular	Benefits
Accidental Insurance	Rs. 40 lakhs (NPR 10 Lakhs to each account)
Critical Illness	Rs. 40 lakhs (NPR 10 Lakhs to each account)
Medical Insurance	Rs. 4 Lakh (OPD up to Rs. 80,000 and Hospitalization treatment up to Rs. 320,000) (NPR 1 Lakh to each account)
Tenure of Insurance Facility	5 Years
Insurance Coverage for	Account holder and Additional three persons as designated by account holder. Designated persons must have account under "Sarbashrestha Bundled Sahaj Bachat Khata"

Particular	Benefits
DEMAT Account	Free For Five Years
MERO Share Charge	Free For Five Years
Portfolio Management Service Fee	50% Discount for Five Years
Flexi Fixed Facility	Available (In excess of Rs. 200K)
Flexi Fixed Interest Rate (%)	As per published Interest Rate
Prematurity Charge (%)	Difference between FD & saving interest rate (At present 3 %)

Particular	Benefits
Debit Card	Free for Five Years
Mobile Banking	Free for Five Years
Internet Banking	Free for Five Years
Credit Card Limit (In Rs)	Up to 500,000
Credit Card Joining and Issuance Fee	Free
Credit Card Annual Fee	Free for Five Years
Prepaid Dollar Card	Free for Five years
E-Commerce Activation and Annual Charge	Free for Five years
Cheque Processing	Free for Five Years
RTGS	Free for Five Years
IPS/CIPS	Free for Five Years
Locker Rentals	100% Locker Fee Free for Five Years
Locker Margin	100% Waiver for Five Years
FCY Exchange rebate/premium (limited to USD, GBP, EUR, CAD and AUD only)	25 paisa
ATM Cash Withdrawal (Domestic Bank)	Free for Five Years
ATM Balance Inquiry (Domestic Bank)	Free for Five Years

Particular	Benefits
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

Particular	Benefits
Guaranteed Service Delivery (In Mins)	50% of Standard
Compensation for waiting time beyond TAT(In Rs. per instance)	10
Dedicated Relationship Management	Available

Savings

Sarbashrestha Bachat Khata

Apply Now

Benefits

Product Features and Benefits

Insurance Benefits

Wealth Maximization

Digital and Transaction Banking

Loan Related Benefits

Privilege Banking

Required Documents

Sarbashrestha Jestha Nagarik Bachat Khata

Sarbashrestha Nari Bachat Khata

Sarbashrestha Kathmandu Mahanagarpalika Bachat Khata

Sarbashrestha Payroll Bachat Khata