Schemes for our valuable customers

यस पृष्ठलाई नेपालीमा हेर्नका लागि क्लिक गर्नुहोस्

Penny

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.

Build

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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Our Schemes

Deposit Schemes

Account Description Amount Interest Rate Account Type
Normal Saving Account 500 9% Monthly Minimum Balance
Special Saving Account 5,000 8% Daily Balance
Housewife Saving Account 5,000 8.5% Daily Balance
Senior Citizen Saving Account 5,000 8.5% Daily Balance
Jumbo Saving Account 15,000 9.5% Daily Balance
Employee Saving Account 1,000 7.5% Daily Balance

Child Bright Future Saving

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.

Monthly Saving Birthday Bonus Whole Sum Payment
10,000 6,500 8,00,000
7,500 4,000 6,00,000
5,000 2,500 4,00,000
2,500 1,200 2,00,000
1,250 500 1,00,000
625 250 50,000

Super Pension Saving

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.

Monthly Saving Dashain Bonus One Time Payment
10,000 6,500 8,00,000
7,500 4,000 6,00,000
5,000 2,500 4,00,000
2,500 1,200 2,00,000
1,250 500 1,00,000
625 250 50,000

1 year Compulsory Periodic Saving

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.

Periodic Saving

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.

6 Months 1 Year 2 Years 3 Years
10% 11% 12% 13%

Shikhardeep Jivan Amrit Saving

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.

Monthly Saving Gifts Natural Death Accidental Death Whole Sum Payment
1,200 250 50,000 1,00,000 50,000
2,400 550 1,00,000 2,00,000 1,00,000
3,600 900 1,50,000 3,00,000 1,50,000
4,800 1,300 2,00,000 4,00,000 2,00,000
6,000 1,750 2,50,000 5,00,000 2,50,000
7,200 2,250 3,00,000 6,00,000 3,00,000
8,400 2,800 3,50,000 7,00,000 3,50,000
9,600 3,400 4,00,000 8,00,000 4,00,000
10,800 4,050 4,50,000 9,00,000 4,50,000
12,000 5,000 5,00,000 10,00,000 5,00,000

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.


Future Secured Saving

Under this saving scheme, the customer can deposit specific amount for specific period of time.

Period Monthly Quarterly Half-Yearly Yearly Whole Sum
3 Years 12.5% 13% 13.5% 14% 15%
2 Years 12.25% 12.75% 13% 13.5% 14%
1 Years 11.5% 12% 12.5% 13% 13%
6 Months 11% 11.5% 12.5%

Loan

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.

Loan Types Interest Rate
1.       Group Guarantee
A. Industrial Loan 21% / 17%
B. Business Loan 21% / 17%
C. Education Loan 21% / 17%
Loan Types Interest Rate
1.       Collateral Loan Policy
A. Industrial Loan 20%
B. Business Loan 20%
C. Home Loan 20%
D. Higher Purchase Loan 18%

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