Sarbashrestha Jestha Nagarik Bachat- The NIC ASIA Goodwill Ambassador is a savings account with various amenities and unique benefits for elderly citizens.

Product Features and Benefits

  • Insurance Related Benefit up to Rs 84 Lakhs. (Insurance partner IGI Prudential Insurance Limited)
  • 5 years free annual charge on debit card / mobile banking / internet
  • Free locker facility
  • Free Cash Withdrawal/Balance Enquiry from any BFI’s ATM’s all across the country.
  • Special Concessions on Interest Rate
  • Special Concessions on Administrative Fees
  • Pre-approved Loan Facility

*Terms and Conditions may apply | The card offers are upto 5 years only. Fees and charges apply and may change.


  • 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.
Insurance 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 additonal three persons designated by account holders. Designated persons must have account under "Sarbashrestha Bundled Sahaj Bachat Khata

Wealth Maximization

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 %)

Digital and Transaction Banking

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


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


Free for Five Years


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

Loan Related Benefits

Pre-approved Loan Limit (Times of 3 Months Average balance)


Premium Over Base Rate on above loan limit (%)


Loan Processing Fee (%)


Privilege Banking

Guaranteed Service Delivery (In Mins)

50% of Standard

Compensation for waiting time beyond TAT(In Rs. per instance)


Dedicated Relationship Management


 Home Banking

Withdrawal/Deposit maximum 5 times per month for account holders maintaining closing balance of NPR 1 Million and above on previous working day.

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

Required Documents

PP size photo

Original Citizenship/ Voter ID / Driving License

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