Samriddhi Finance Company Ltd
Hetauda-01, Makwanpur, Nepal ·
Samriddhi Finance Company Ltd is a national-level Class 'C' finance company licensed by Nepal Rastra Bank, headquartered in Hetauda, Makwanpur.
Rates at a glance
Deposit rates
| Product | Type | Tenor | Depositor | Rate p.a. |
|---|---|---|---|---|
| Fixed Deposit | Fixed | 5yr+ | institutional | 6.00% |
| Fixed Deposit | Fixed | 5yr+ | individual | 6.00% |
| Fixed Deposit | Fixed | 3yr–5yr | individual | 5.50% |
| Fixed Deposit | Fixed | 3yr–5yr | institutional | 5.50% |
| Remittance Savings | Remittance | — | individual | 4.75% |
| Fixed Deposit | Fixed | 2yr–3yr | individual | 4.50% |
| Fixed Deposit | Fixed | 1yr–2yr | individual | 4.25% |
| Fixed Deposit | Fixed | 2yr–3yr | institutional | 4.25% |
| Fixed Deposit | Fixed | 1yr–2yr | institutional | 3.90% |
| Fixed Deposit | Fixed | 3mo–3mo | individual | 3.25% |
| Fixed Deposit | Fixed | 6mo–6mo | individual | 3.25% |
| Fixed Deposit | Fixed | 9mo–9mo | individual | 3.25% |
| Normal Savings | Normal Savings | — | individual | 3.00% |
| Fixed Deposit | Fixed | 9mo–9mo | institutional | 2.80% |
| Fixed Deposit | Fixed | 6mo–6mo | institutional | 2.75% |
Loan rates
| Product | Effective rate | Base | Premium |
|---|---|---|---|
| Loan against Fixed Deposit Receipt | — | 9.07% | — |
| Term Loan and all other loans | — | 9.07% | — |
| Subsidized (Sahuliyat) Loan | — | 9.07% | — |
| Home Loan | — | 9.07% | — |
| Education Loan | — | 9.07% | — |
| Hire Purchase Loan | — | 9.07% | — |
| Personal Loan | — | 9.07% | — |
| Margin Lending Loan | — | 9.07% | — |
About Samriddhi
Established in 2057 BS as Nepal's 49th financial institution, Samriddhi Finance Company Limited (SFCL) is a public limited company incorporated under the Company Act 2063 and licensed by Nepal Rastra Bank as a Class 'C' financial institution under BAFIA 2073. It operates as a national-level finance company with its head office in Hetauda, Makwanpur, serving customers through 13 branches across five provinces of Nepal. The company is committed to the safety of customer deposits, confidentiality, professionalism, transparency and good governance, and aspires toward eventual bank status.
Source: www.sfcl.com.np
Contact
- Head office
- Hetauda-01, Makwanpur, Nepal
- Phone
- 057-525100, 057-523229
- [email protected]
- Website
- https://sfcl.com.np
Products & Services
Deposits
9Samriddhi Super Saving Account
A savings account offering banking solutions for everyday investment and lifestyle needs.
- Minimum balance NPR 100
- Eligibility: Nepali citizen 18+
- Free cheque book
- Free Samriddhi Debit Card
- Free ABBS/SMS alert & mobile banking
- IPS & Connect IPS facilities
Samriddhi Easy Saving Account
An everyday savings account for Nepali citizens aged 18 and above.
- Minimum balance NPR 100
- Eligibility: Nepali citizen 18+
- Free cheque book
- Free Samriddhi Debit Card
- Free ABBS/SMS alert & mobile banking
- IPS & Connect IPS facilities
Samriddhi Girhalaxmi Saving Account
A savings account designed exclusively for women aged 18 and above.
- Eligibility: women 18+
- Minimum balance NPR 100
- Free cheque book
- Free Samriddhi Debit Card
- Free SMS alert & mobile banking
- IPS & Connect IPS facilities
Samriddhi 55 Plus Saving Account
A savings account tailored for senior Nepali citizens aged 55 and above.
- Eligibility: Nepali citizens 55+
- Minimum balance NPR 100
- Free cheque book
- Free Samriddhi Debit Card
- Free ABBS/SMS alert & mobile banking
- IPS & Connect IPS facilities
Samriddhi Children (Bal Bachat) Saving Account
A savings account for children under 18 to build a savings habit.
- Eligibility: children under 18
- No minimum balance required
- Initial deposit NPR 100
- Free Samriddhi Debit Card
- Free ABBS access & SMS alerts
- Free balance certificate & statement
Samriddhi Student Saving Account
A savings account for students to save and access education financing.
- No minimum balance required
- Free cheque book
- Free Debit Card, ABBS, SMS & mobile banking
- Free balance certificate & statement
- Access to education loan package
- Discount on education loan documentation fees
Samriddhi Fixed Deposit
Term deposits offered across tenures from 90 days to over 2 years.
- Tenures: 3 months, 6 months, 1 year, 2+ years
- Monthly or quarterly interest payout options
- Recurring/Double/Triple deposit schemes available
Remittance Saving / Remittance Fixed Deposit
Deposit products designed for remittance-receiving customers.
Samriddhi Salary Saving Account
A savings account for salaried employees.
Loans
8Samriddhi Home Loan
Housing finance for middle and upper-middle income individuals buying property.
- For middle/upper-middle income earners with stable income
- Minimum age 25 years
- Applicant age plus tenure not over 65 years
- Income from job, rent, pension or remittance accepted
- Secured by unencumbered fixed assets
- Property needs road access min 8 feet wide
Samriddhi Education Loan
A loan to fund academic courses without burdening parents or guardians.
- Finances higher education / academic courses
- Reduces financial burden on parents/guardians
Samriddhi Hire Purchase Loan
Vehicle financing for those in the transportation business.
- For individuals, firms and companies
- Targeted at transportation business
- Finances newly purchased vehicles
- Finances reconditioned vehicles
Samriddhi Professional Loan
A non-collateral EMI loan targeted at qualified professionals.
- Non-asset based (collateral-free)
- Repaid via Equated Monthly Installments (EMI)
- For doctors, engineers, pilots, chartered accountants
- For government/bank officers and university lecturers
- For PhD holders and large-corporate employees
- Flexible use for personal or professional needs
Samriddhi Margin Lending
A loan to buy shares by pledging existing shares as collateral.
- Shares pledged as security
- Borrower retains share ownership
- SFCL holds lien over dividends, bonus & rights shares
- Available to individuals, firms and companies
- Requires written consent for share pledge
Samriddhi Deprived Sector Loan
Microfinance lending to economically and socially marginalized groups.
- For low-income, women, Janjati, Dalit groups
- For persons with disabilities and small farmers
- Supports self-employment ventures
- Need-based limit per NRB stipulations
- Direct lending under deprived sector policy
Samriddhi Personal Loan
A personal-purpose loan offered to individuals.
Samriddhi Business Loan
A lending product to support business enterprises.
Cards
1Samriddhi Debit Card (SCT-UPI)
An EMV chip SCT-UPI debit card usable across Nepal and India.
- Works at ATMs in Nepal and India (SCT-UPI)
- Balance inquiry and PIN change
- Utility payments via SCT moco
- Card validity 4 years
- 24/7/365 access
- EMV chip-based secure transactions
- POS purchases at merchants
- 24/7 card-blocking support line
Digital & e-services
3Samriddhi Mobile Banking (mBanking)
A smartphone app for remote banking and bill payments.
- Balance inquiry and statement by date
- Transaction SMS alerts
- Fund transfer between SFCL accounts across branches
- Cheque book request
- Bill payment: NTC, Ncell, Smart, UTL
- Utility payments: electricity, water, cable TV, internet
- Available on Android and iOS
- Nepali and English; real-time via NCHL
Connect IPS
An interbank payment service allowing transactions from any branch.
- Transact from any SFCL branch
- Linked to connectips.com portal
- Part of digital banking suite
ABBS / RTGS / Connect IPS / NCHL IPS / QR
Branch and interbank transfer and payment services including QR code.
- Any Branch Banking System (ABBS)
- RTGS service
- NCHL IPS transfers
- Samriddhi QR code payments
Remittance
1Samriddhi Remittance Service
Domestic and international money transfer through partner networks.
- Partners include Western Union and MoneyGram
- Partners include IME Pay, eSewa, Prabhu, Kumari
- Partners include GME, Himal, Samsara, City Express
- Available across the branch network
- Linked Remittance Saving & Fixed Deposit products
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.