Lumbini Bikas Bank
Sunrise Biz Park, 4th Floor, Dilibazar, Kathmandu ·
Lumbini Bikas Bank is a national-level Class-B development bank in Nepal offering deposit, lending, and digital banking services across all seven provinces.
Rates at a glance
Deposit rates
| Product | Type | Tenor | Depositor | Rate p.a. |
|---|---|---|---|---|
| Fixed Deposit | Fixed | 5yr+ | individual | 4.70% |
| Remittance Savings | Remittance | — | individual | 4.00% |
| Fixed Deposit | Fixed | 3yr–5yr | individual | 3.60% |
| Fixed Deposit | Fixed | 1yr–3yr | individual | 3.10% |
| Fixed Deposit | Fixed | 0yr–1yr | individual | 3.01% |
| Fixed Deposit | Fixed | 2yr+ | institutional | 3.00% |
| Normal Savings | Normal Savings | — | individual | 2.75% |
| Fixed Deposit | Fixed | 1yr–2yr | institutional | 2.75% |
Loan rates
About Lumbini
Lumbini Bikas Bank Limited is a Class-B national-level development bank formed through the merger of five financial institutions: Bhajuratna Finance Ltd., Birgunj Finance Ltd., Himichuli Bikas Bank Ltd., Lumbini Finance and Leasing Co. Ltd., and Vibor Bikas Bank Ltd. The final consolidation, between Vibor Society Development Bank and Lumbini Finance and Leasing, came into joint operation on 25th Ashad 2074 BS (9 July 2017). Headquartered at Sunrise Biz Park, Dilibazar, Kathmandu, it operates 89 branches and 20 ATMs and serves over 15,000 loan customers with more than 600 staff. The bank provides a full range of deposit accounts, retail and business loans, Visa cards, mobile/internet banking, and remittance services across Nepal.
Source: www.lumbinibikasbank.com
Contact
- Head office
- Sunrise Biz Park, 4th Floor, Dilibazar, Kathmandu
- Phone
- 01-4513232, 01-4521696, 01-5970369
- [email protected]
- Website
- https://lumbinibikasbank.com
Products & Services
Deposits
12Normal Saving
A basic savings scheme to help individuals build a saving habit.
- Free ABBS facility
- Free on-demand account statement
- Free cheque book
- Interest on daily balance, paid quarterly
Check In Saving Account
A no-frills savings account for individuals 16 and above.
- No minimum balance (NPR NIL)
- Eligibility: individuals 16 years and above
- Free ABBS facility
- Free cheque book
- Free on-demand statements
- Interest on daily balance, paid quarterly
Premium Saving
A savings account for higher-volume depositors wanting higher interest with full facilities.
- Minimum balance NPR 5,000
- Eligibility: individuals over 16 years
- Interest on daily balance, paid quarterly
- Rate set by Board, subject to market
Nari Bachat
A savings account designed for women aged 16 and above.
- Eligibility: women above 16 years
- Minimum balance NPR 100
- 25% discount on locker margin
- 50% off annual locker fee first year
- Free ABBS facility
- Free cheque book
Senior Citizen Saving
A savings account for individuals aged 50 and above.
- Eligibility: 50 years and above
- Minimum balance NPR 1,000
- 50% discount on locker margin
- 25% off annual locker fee first year
- Free ABBS facility
- Free cheque book
- Interest on daily balance, paid quarterly
Bal Surakshya Bachat
A savings account opened by parents/guardians for children under 18.
- Eligibility: children below 18 years
- Opened by parents or guardians
- Free ABBS facility
- Free on-demand account statement
Lumbini Talab Khata
A salary savings account for salaried employees and professionals.
- No minimum balance (NIL)
- Eligibility: salaried employees and professionals
- Free Visa Debit Card issuance and renewal
- Free mobile and internet banking
- Free CASBA service
- 50% discount on locker security deposit
- Free cheque book
- Interest paid quarterly
Recurring Deposit
A fixed-nature scheme for building savings through regular monthly deposits.
- Minimum NPR 500 deposited every month
- Min balance NPR 1,000 (3yr) / 3,000 (4yr) / 5,000 (5yr)
- Standing instruction for auto fund transfer
- Interest accrues, withdrawable at maturity
- Free ABBS facility
Lumbini Sahayatra Muddhati Khata
A high-interest fixed deposit account bundled with insurance and free services.
- Accidental death/disability insurance up to Rs 10 lakh
- Medical insurance claim up to Rs 1 lakh
- Free ABBS, cheque book and debit card
- Free mobile banking
- 50% discount on locker service
Akshaya Kosh Bachat
A savings account for non-profit organizations, trusts and social-welfare institutions.
- Eligibility: non-profit organizations and trusts
- Savings deposit account
- Documentation per KYC/AML and NRB directives
Shareholders Saving
A savings account for the bank's shareholders.
Welcome Saving
A high-interest savings account for individuals needing no other banking facilities.
Loans
8Home Loan
A term loan to construct, purchase, repair or refinance residential property.
- Loan NPR 1 lakh to NPR 5 crore
- Tenure up to 25 years
- Up to 1-year moratorium period
- Covers houses, flats, apartments
- Eligibility: Nepali with stable income
- Interest: base rate + premium
Auto Loan
Financing to buy private vehicles, new or second-hand, for personal or business use.
- New vehicles up to NPR 1 crore
- Second-hand up to NPR 50 lakh
- Tenure up to 7 years (new)
- Second-hand tenure up to 5 years
- Vehicle age max 10 years at settlement
- Interest: base rate + premium
Two Wheeler Loan
A hire-purchase loan for buying brand-new two-wheelers.
- Brand-new two-wheelers only
- Loan NPR 1 lakh to NPR 10 lakh
- Tenure up to 3 years (36 EMIs)
- Letter of comfort needed for employees
- Interest: base rate + premium
Education Loan
A term loan for students or parents funding higher education in Nepal or abroad.
- Maximum loan NPR 50 lakh
- Tenure up to 10 years incl. study period
- For domestic and foreign education
- Interest: base rate + premium
- Processing fee as per STC
Foreign Employment Loan
Financing for individuals securing foreign employment.
- Loan NPR 1 lakh to NPR 15 lakh
- Tenure up to 5 years (per contract)
- Moratorium up to 6 months
- Interest: base rate + premium
- Processing fee as per STC
Business Plus Loan
Working capital and term financing for small and medium enterprises.
- Working capital for stock and receivables
- Term loan for equipment and machinery
- Non-fund-based guarantee facilities
- Eligibility: proprietorship, partnership or company
- Interest: base rate + premium
Agro Plus Loan
Term or working-capital loans to support agriculture-sector borrowers.
- Individuals: NPR 1 lakh to 50 lakh
- Institutions: NPR 5 lakh to 5 crore
- Available as term or overdraft/demand loan
- Eligibility: agriculture individuals and entities
- Interest: base rate + premium
Share Loan
Overdraft or demand loan against shares, bonds and mutual funds.
- Loan NPR 5 lakh to NPR 10 crore
- Overdraft or demand loan structure
- Limit based on bank's drawing power
- For individuals and institutions
- Interest: base rate + premium
Cards
1LBBL Visa Debit Card
A chip-based EMV debit card for ATM withdrawals and purchases in Nepal and India.
- Accepted across Nepal and India
- Free cash withdrawal at any Visa ATM in Nepal
- No merchant fee on POS purchases
- Instant cards issued within 30 minutes
- Real-time SMS transaction alerts
- EMV chip fraud protection
- Operated via NCHL network
Digital & e-services
5Mobile Banking (LBBL Smart)
A mobile app to manage accounts and transact anytime, anywhere.
- Balance inquiry and mini statement
- Intra-bank fund transfers
- Utility payments and mobile top-up
- eWallet integration (eSewa & Khalti)
- Digital fixed deposit management
- Transaction alerts and notifications
iBanking (Internet Banking)
Internet banking to view accounts and transact without visiting a branch.
- Account, interest and tax statements
- Transfers between own LBBL accounts
- Transfers to Fonepay member banks
- Wallet loading to eSewa and IMEPAY
- Virtual keyboard and dual-password security
QR Code
Scan-to-pay service for merchant payments via the mobile banking app.
- Scan to pay at merchant outlets
- FonePay QR issuance and acquiring
- NepalPay QR issuance and acquiring
- Supports physical and mobile QR codes
- Optional mobile-banking login security
EWallet
An electronic wallet for online purchases, payments and transfers.
- Load funds from bank account to wallet
- Mobile top-up and bill payments
- EMI and credit card bill payments
- Airline ticket reservations
- Partners with eSewa and Khalti
Point Of Sale (POS)
POS machines for merchants to accept electronic card payments.
- Ethernet, GPRS and WiFi connectivity
- Electronic fund transfer/payment
- Rental and subscription via LBBL branches
- Customizable merchant solutions
Remittance
2Lumbini Remit
The bank's proprietary domestic and inward remittance service via branches and sub-agents.
- Domestic remittance transfers
- Inward (international) remittance
- Multi-branch and sub-agent access
- Partners: Western Union, IME, City Express, Prabhu
- Bank agents: Kumari, Sanima, Sunrise and others
Cross-Border Payment
Lets FonePay QR merchants accept UPI payments from Indian customers.
- FonePay UPI acquiring service
- Accepts payments from Indian customers
- Partnership with FonePay and UPI
- QR merchant payment acceptance
Other
1Locker Service
Safe deposit lockers to secure documents, jewelry and valuables.
- 12 locker sizes (Types A through L)
- Sizes from 4.92x6.9x19.4 in to 14x20x22.5 in
- Available at bank branches
- Charges per Standard Tariff & Charges
Digital & e-services
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.