Himalayan Bank

A zero-balance savings account for those sensitive to minimum balance requirements.

• Minimum balance NPR 0
• Interest on daily balance, capitalized quarterly
• Unlimited deposit and withdrawal
• 24/7 ATM access
• Accidental death insurance up to NPR 500,000
• Deposit guarantee up to NPR 500,000
• Free statement, SMS & mobile banking

A general-purpose savings scheme to encourage saving for all customers.

• Min balance NPR 2,500 (valley) / NPR 1,000 (outside)
• Interest on daily balance, capitalized quarterly
• Unlimited deposit and withdrawal
• 24/7 ATM access
• Accidental death insurance up to NPR 500,000
• Free cheque book and account statement
• Any branch banking, SMS & mobile banking

A savings account for professionals such as doctors, engineers, lawyers and businessmen.

• Minimum balance NPR 50,000
• Exclusive PSA counter for deposit/withdrawal
• 25% discount on bank service charges
• Rebate of 10 paisa per USD on FX
• Accidental death insurance up to NPR 500,000
• Free cheque book, statement, SMS & mobile banking
• 24/7 ATM access

A premium deposit scheme with added benefits for exclusive customers.

• Minimum balance NPR 100,000
• Interest on daily balance, capitalized monthly
• 50% discount on bank service charges
• Rebate of 10 paisa per USD on FX
• Exclusive counter for deposit/withdrawal
• Accidental death insurance up to NPR 500,000
• Free cheque book, SMS & mobile banking

A deposit product for high-net-worth individuals, executives and businessmen.

• Minimum balance NPR 500,000
• Exclusive lounge access with hospitality
• Free credit card (NPR 250,000 limit) + supplementary
• 0.25% reduction on consumer financing rates
• 50% discount on ancillary services
• 10 paisa per USD FX rebate
• Accidental death insurance up to NPR 500,000

A home-banking deposit product for HNIs, senior citizens (60+) and differently-abled individuals.

• Minimum balance NPR 1,000,000
• Can split NPR 500,000 savings + NPR 500,000 FD
• Home banking (cheque delivery, withdrawals, statements)
• Free credit card (NPR 250,000 limit) + supplementary
• 0.25% discount on consumer financing
• 50% discount on locker rent & services
• Birthday card and cake delivery

A savings scheme specially designed for remitters and beneficiaries.

• Min balance NPR 0 (no cheque) / NPR 1,000 (with cheque)
• Unlimited deposit and withdrawal
• Interest on daily balance, credited quarterly
• 24/7 ATM access
• Accidental death insurance (up to NPR 1,000,000)
• Free SMS, mobile banking & branch services

A dedicated savings account for women across every category.

• Minimum balance NPR 1,000
• Free SCT debit card (usable as account ID)
• Free cheque book (12 leaves yearly)
• 50% discount on locker key deposit
• 25% discount on banking services and fees
• 10 paisa per USD FX rebate
• Accidental death insurance up to NPR 1,000,000

A savings account for couples, siblings or dependents, in single or joint name.

• Minimum balance NPR 10,000
• Interest on daily balance, posted quarterly
• Can be opened in single or joint name

A savings account bundled with health, accidental and life insurance coverage.

• Minimum balance NPR 7,000
• Term life cover NPR 50,000 on death
• Accidental death cover NPR 100,000 plus term life
• Critical illness cover NPR 100,000 (60-day waiting)
• Free SCT/VISA debit card for 1st year
• Insurance for ages 16-59, ceases at 60
• Free SMS & mobile banking

A term deposit offering a fixed rate of interest for a set period.

• Tenure 3 months and above
• Minimum amount NPR 10,000
• Interest on daily balance, paid quarterly/semi-annually
• Loan against FD up to 90% of deposit
• Deposit guarantee up to NPR 500,000

Financing to purchase, construct or renovate residential property.

• Loan NPR 0.5 million to NPR 30 million
• Tenure 3 to 25 years
• Up to 80% financing on home purchase
• Up to 100% on construction/renovation cost
• Interest from Base Rate + 0.50%
• Eligibility: Nepali, minimum 21 years
• Age plus tenure cannot exceed 70 years

A personal loan for ceremonies, education, medical, travel and home improvement.

• Non-revolving NPR 0.2 million to NPR 4 million
• Revolving NPR 0.2 million to NPR 1.5 million
• Tenure 1 to 10 years (non-revolving)
• Interest from Base Rate + 0.50%
• Fixed rate option 7.00% p.a. (up to 7 years)
• Repaid via equal monthly installments
• Requires unencumbered fixed asset collateral

Financing for higher education within Nepal or abroad.

• Loan NPR 0.5 million to NPR 10 million
• Tenure up to 15 years (term loan)
• Overdraft option, 1 year renewable
• Interest from Base Rate + 0.50%
• Fixed rate option 7.00% p.a. (up to 7 years)
• Eligibility: Nepali with stable income

Financing to purchase private or commercial vehicles on EMI basis.

• Available for private and commercial vehicles
• Repaid on equal monthly installment (EMI) basis
• Requires reliable, steady income source
• Commercial: requires transport business permit

Credit facility for small and medium enterprises.

A personal loan secured against fixed asset collateral.

Debit cards accepted domestically and in India for ATM and POS use.

• Visa & MasterCard accepted in Nepal and India
• SCT debit card for domestic use
• 24/7 ATM access across network
• Usable at POS merchants

Credit cards in NPR or foreign currency for shopping and payments.

• Domestic cards valid in Nepal and India
• International cards for FCY earners, worldwide except India
• Available in Classic and Gold variants
• Accepted at ATMs and POS merchants

Gold and Green Amex cards with global lifestyle and travel benefits.

• Gold Domestic, Gold International and Green Card variants
• Complimentary airport lounge access (Gold International)
• Savings on shopping, dining, hotels and spas
• CHIP-based advanced technology
• Supplementary cards for spouse and children
• Global acceptance across 128+ countries

Reloadable Visa and UnionPay prepaid cards, no account required for some.

• Visa Domestic prepaid valid in Nepal and India
• Visa International prepaid, 4-year validity, reloadable
• UnionPay International prepaid for global use
• Domestic prepaid needs no bank account

Convert credit card purchases into equal monthly installments.

• Repayment up to 36 months
• Interest rate 6.99% simple interest
• Financing up to 2.5x credit limit or NPR 500,000
• No additional charges
• No funds blocked in bank account

Himalayan Bank's mobile banking app for self-service banking on the go.

• Self registration capability
• Fund transfers within and between banks
• Account statement and loan status inquiry
• Real-time debit/credit notifications
• Card management (debit/credit/prepaid)
• Utility bills (NEA, NTC, NCell), school fees
• Fully secured transactions

Online banking to manage accounts securely from anywhere.

• Two-factor authentication with OTP device
• Online registration without visiting branch
• Fund transfers (NPR accounts)
• Utility bill payments (NEA, NTC, DTH/ISP)
• Statement, balance and cheque status inquiry
• Free service, no fund transfer charges
• Limits: NPR 100,000/day savings, NPR 5,000,000 current

Lockers in various sizes to secure customers' valuables.

• Multiple locker sizes (varies by branch)
• Requires active savings account
• Annual rent plus refundable key deposit
• 25% discount for Premium account holders
• 50% discount for Super Premium holders
• Available across branches nationwide

SMS-based transaction alerts and banking inquiries.

An online, technology-oriented money transfer product for inbound remittances.

• Service from 15+ countries (UAE, USA, UK, Qatar, etc.)
• 70+ international partners (Remitly, Lulu Exchange, etc.)
• Online payment tracking system
• 24/7 toll-free support 1660-011-11000
• Receiving agents located across Nepal

A non-funded facility guaranteeing payment to facilitate import of goods.

• Establishes import LC, sight and usance
• Bank pays beneficiary if documents are clean
• Non-funded; funded only on client default
• Facilitates import from foreign countries
• Available at nearest branch

A bank undertaking to pay the beneficiary on the applicant's default.

• Bid Bond and Performance Bond guarantees
• Advance Payment and Financial guarantees
• Deferred Payment and Counter guarantees
• Customs / Bonded Warehouse guarantees
• Non-funded trade finance facility

A business deposit account for day-to-day transactions.

Card acceptance services for merchants including POS and e-commerce.