यस पृष्ठलाई नेपालीमा हेर्नका लागि क्लिक गर्नुहोस्
Savings is the portion of income not spent on current expenditures. Because a person does not know what will happen in the future, money should be saved to pay for unexpected events or emergencies. Without savings, unexpected events can become large financial burdens. Therefore, savings helps an individual or family become financially secure.
A loan is an amount of money that is borrowed, often from a bank or financial instutions, and has to be paid back, usually together with an extra amount of money that you have to pay as a charge for borrowing. The principal is the amount you borrowed, and the interest is the amount charged for receiving the loan. Loans typically are secured or unsecured.
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This saving scheme is for the children and has the compulsory time period of 5 years. Under this saving scheme, the stated amount must be deposited monthly. Otherwise, the company would not be liable for the payment of whole sum amount.
This saving scheme is targeted for the senior citizens and has the compulsory time period of five years. Under this saving scheme, the stated amount must be deposited monthly, otherwise, the company would not be liable for the payment of the whole sum amount.
This saving scheme is an one year saving scheme. Under this saving scheme, the account can be opened by depositing minimum amount of Rs.1000. Also, the amount used while opening the account should be compulsorily deposited monthly for 1 year period. The interest rate for this saving scheme is 13%. Upon the completion of period, the total amount will be paid along with the interest of the principle sum.
This saving scheme is done for a specific time period. Under this saving scheme, the customer can open the account and deposit the amount on Daily/Weekly/Monthly basis. Upon the completion of period, the total amount will be paid along with the interest of the principle sum.
Under this saving scheme, the customer’s need to deposit the amount on monthly basis for 3 year period. The customer would be getting the services as mentioned in the table below. Upon the completion of period, Whole sum payment would be provided to the customer. In case of natural death during the insured period, the mentioned amount of the account holder will be paid to the account holder’s nominee. And, in case of accidental death, twice the amount of insured amount will be paid along with the saving amount of the account holder.
Note: The insurance policy will come into an act only after the third installment payment of the insurance amount. And, in case of the accidental death of the account holder, insured amount will be paid after the deducting the processing charges of insurance. This policy can only be exercised by the age group that falls under 18 to 50 years of age.
Under this saving scheme, the customer can deposit specific amount for specific period of time.
For the financial and socio-economic welfare, the company has the provision of loan at affordable interest rate to the members, abiding the principles, norms and values of organization. The loan facility can be provided if the member has completed the membership period of three months in the organization.
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