Shine Resunga Development Bank

A savings account offering a higher interest rate with zero minimum balance, open to any individual.

• Zero minimum balance
• Interest 3.25% p.a. paid quarterly on daily balance
• No deposit or withdrawal limits
• Eligibility: any individual with valid ID
• Mobile banking NPR 350/year; debit card NPR 350/year
• Online account opening available

A high-interest savings account with no minimum balance for the general public.

• No minimum balance required
• Interest 5.35% p.a. on daily balance, paid quarterly
• Free cheque book and ABBS transactions
• One free statement and balance certificate
• Debit/ATM card NPR 250/year; mobile banking NPR 150/year
• Locker facility NPR 2,500/year

A savings account for minors, operated by parents/guardians, to build children's savings.

• Zero minimum balance
• Interest 2.75% p.a. paid quarterly on daily balance
• Account opened in the child's name
• Operated by parent or guardian
• Eligibility: minors as defined by Govt. of Nepal
• Auto-closes when minor reaches adulthood

A savings account for foreign-employment workers offering extra interest on remittance deposits.

• Minimum balance NPR 1,000
• Interest 4.25% p.a. (1% above other savings)
• Interest paid quarterly on daily balance
• Eligibility: foreign employees with Shram Swikriti
• Credits limited to foreign-employment income and govt. payments
• Mobile banking NPR 350/year; debit card NPR 350/year

A periodic savings deposit combining fixed and savings features for regular monthly contributions.

• Deposit period 3 months to 10 years
• Minimum installment NPR 500, in multiples of 500
• Automated standing instruction from savings account
• Borrow up to 90% of balance at base rate + 2%
• No penalty for missed installments
• Interest paid quarterly on daily balance

A time-bound deposit with fixed interest, available across tenures from 6 months to 5 years.

• Tenures 6 months to 5 years
• 1-year rate 3.25% (effective June 15, 2026)
• Interest paid quarterly on daily balance
• Loan against FD up to 90% of deposit
• Renewal facility available
• Eligibility: individuals or entities with valid documents

A loan to purchase, construct, renovate or refinance residential property.

• Loan up to NPR 10 million
• Up to 80% of estimated cost (capped at 60% of FMV)
• Tenure 1 to 20 years
• Eligibility: Nepali citizens aged 18-70 with steady income
• Security: legal mortgage on freehold land and building
• Building insurance equal to valuation mandatory
• Repayment on EMI basis

A loan to buy or refinance new or used two/four-wheeler vehicles for personal use.

• New fuel vehicle: up to 50% of cost
• New electric vehicle: up to 80% of cost
• Used vehicle: up to 50% of valuation
• Tenure up to 7 years (new), up to 5 years (used)
• Eligibility: Nepali citizens aged 18-70 with steady income
• Security: vehicle registered in bank's name
• Repayment on EMI basis

A loan financing further education in Nepal or abroad, issued in a parent's name.

• Up to 80% of college/university fees
• Tenure 1 to 10 years
• Eligibility: Nepali citizens aged 18-70 with steady income
• Loan issued in parent's name with income justification
• Interest monthly/quarterly, principal repaid annually
• Requires college offer letter and fee structure

A multipurpose loan against freehold property for personal and household needs.

• Loan up to NPR 5 million
• Up to 50% of property FMV
• Term loan up to 240 months; overdraft 1 year renewable
• Eligibility: Nepali citizens aged 18-75 with regular income
• Security: registered mortgage on freehold property
• Fire and earthquake insurance mandatory

A loan against mortgaged property for business, personal or social purposes.

• Maximum loan NPR 5 million
• Up to 50% of property FMV
• Tenure 12 to 240 months
• Eligibility: Nepali citizens aged 18-75 with steady income
• Security: registered mortgage on freehold property
• Collateral may belong to immediate family

A short-term loan against pledged listed shares (ordinary or promoter).

• Ordinary shares: up to 65% of security value
• Promoter shares: up to 50% of security value
• Tenure up to 1 year
• Eligibility: Nepali citizens aged 18-70 with regular income
• Shares must be NEPSE-listed with positive net worth
• Subject to margin call per NRB provisions

A business loan for service-sector enterprises.

A business loan for industrial/manufacturing enterprises.

A business loan for trading enterprises.

A loan for small and medium enterprises.

A loan for professionals such as doctors, engineers and consultants.

A loan for real estate purposes.

A hire-purchase financing loan.

A loan secured against a fixed deposit receipt.

• Borrow up to 90% of deposit amount
• Rate: 2% above base rate or coupon rate, whichever higher

A loan for agriculture and microfinance purposes.

A VISA-network debit card for ATM withdrawals and payments.

• Accepted on VISA network ATMs and POS
• Free cash withdrawal at VISA-connected ATMs (promotional)
• Green PIN issuance

A VISA-network credit card for purchases and payments.

A virtual credit card for secure online transactions.

• Designed for secure online transactions

The bank's official mobile banking app for everyday banking on iOS and Android.

• Available on iOS and Android
• Balance inquiry and transaction history
• Fund transfer (intrabank and interbank via Fonepay)
• Utility bill payment and mobile recharge
• Transaction alerts

Web-based banking portal for account management and transfers.

• Online account management and fund transfers

An online single-window portal to apply for bank services without visiting a branch.

• Online account opening
• Register mobile/internet banking, QR and debit card
• MeroShare and Demat registration
• CRN registration and password reset
• Free service registration

QR-based payment services including merchant Teller QR.

• Quick Response (QR) payments
• Teller QR for point-of-sale
• Online QR application

Share-market services for dematerialization and IPO application via blocked amount.

• Online Demat account services
• ASBA and C-ASBA IPO application
• eSewa and Khalti integration

Money-transfer service to receive remittances at any branch via partner companies.

• Partners include IME, Prabhu, Western Union, City Express
• Also Himal Remit, JME, Xpress Money, iPay
• Collect at any SRDBL branch
• Online remittance tracking available