Sindhu Bikas Bank

A high-interest savings account for any Nepali citizen.

• Minimum balance NPR 5,000
• Higher interest rate than other savings accounts
• Interest as per bank's published rate
• Eligibility: any Nepali citizen

A high-yield savings account for Nepali citizens.

• Minimum balance NPR 5,000
• Higher rate than standard savings accounts
• Interest as per bank's published rate
• Eligibility: any Nepali citizen

Standard everyday savings account.

• Minimum balance NPR 100
• Interest as per bank's published rate
• Open singly or jointly (2-3 persons)
• Minors under 16 operated by guardian
• Foreigners may open with embassy-certified documents

Entry-level account for first-time bank customers.

• No minimum balance (NPR 0)
• Interest as per bank's published rate
• Eligibility: Nepali with no existing bank account

Children's savings account operated by a guardian.

• Minimum balance NPR 100
• Eligibility: minors under 18 years
• Account operated by guardian
• Requires child's birth certificate

Senior citizen savings account with special service.

• Minimum balance NPR 100
• Special, warm services for seniors
• Interest as per bank's published rate
• Eligibility: Nepali citizens above 65 years

Salary/staff savings account for employees of certified organizations.

• No minimum balance (NPR 0)
• Interest as per bank's published rate
• Eligibility: staff of certified Nepali organizations

Account for government social-security allowance recipients.

• No minimum balance (NPR 0)
• Interest as per bank's published rate
• For seniors, widows and differently-abled recipients
• Requires Social Security ID or recommendation letter

Interest-bearing account for daily transactions by individuals and businesses.

• Minimum balance NPR 5,000
• Designed for daily financial transactions
• Interest as per bank's published rate
• For individual, commercial and corporate customers

Fixed deposit for individual savings-account holders.

• Tenure 3 months and above
• Interest calculated daily, paid quarterly or at maturity
• Loan against FD up to 90% of coupon value
• Open to minors and joint accounts

Fixed deposit for institutional account holders.

• Tenure 3 months and above
• Interest calculated daily, paid quarterly or at maturity
• Loan against FD up to 90% of coupon value
• Eligibility: institutional account holders

Fixed deposit for customers with remittance income.

• Tenure 3 months and above
• Interest calculated daily, paid quarterly or at maturity
• Loan against FD up to 90% of coupon value
• For customers with direct/indirect remittance income

Loan to purchase, construct or renovate residential property.

• Loan amount NPR 7 lakh to 3 crore
• Interest as per bank's published rate
• Requires land ownership certificate (Lal Purja)
• CIC charge Rs. 250 / Rs. 550 per inquiry

Long-term loan for personal commitments like land or building purchase.

• Loan amount NPR 5 lakh to 1.5 crore
• Interest: base rate plus up to 6% premium
• Service charge 1% of approved limit
• CIC charge Rs. 250 / Rs. 550 per inquiry

Loan to buy new or used four-wheelers for private use.

• For brand-new or second-hand four-wheelers
• Interest as per bank's published rate
• Used vehicles require full valuation report
• CIC charge Rs. 250 / Rs. 550 per inquiry

Loan against gold or silver collateral for urgent needs.

• Loan amount NPR 15,000 to 20 lakh
• Collateral: gold or silver
• Requires gold purchase bill for source verification
• CIC charge Rs. 250 / Rs. 550 per inquiry

Capital financing for women-run small businesses.

• Loan amount up to NPR 1 million
• For Nepali women individuals or groups
• Applicant must be 18+ years old
• Group: minimum 5 members from different families

Loan for registered agricultural firms and farm machinery.

• Loan amount up to NPR 5 crore
• Covers crops, livestock, poultry, dairy, fish
• Funds tractors and farm machinery
• Requires firm/PAN/VAT registration documents

NRB-directed loan for low-income small-business groups.

• Loan amount NPR 1 lakh to 25 lakh
• For agriculture, animal husbandry, cottage industry
• Complies with NRB deprived-sector directives
• CIC charge Rs. 250 / Rs. 550 per inquiry

Working-capital financing for established registered businesses.

• Loan amount NPR 5 lakh to 10 crore
• For firms registered/operating at least 2 years
• Requires 2 years audited financials, 3-year projections
• CIC charge Rs. 250 / Rs. 550 per inquiry

Overdraft facility for registered firms and companies.

• Loan amount NPR 5 lakh to 10 crore
• For firms registered minimum 2 years
• Requires PAN/VAT and audited financials
• CIC charge Rs. 250 / Rs. 550 per inquiry

Debit card on the SCT network for ATM and POS use.

• 24/7 card banking, 7 days a week
• ATM withdrawals and balance inquiry
• POS purchases at stores, hospitals, shops
• Usable across Nepal and India
• Issuance NPR 250, annual charge NPR 200

Mobile banking app for Android and iOS to manage accounts.

• Available on Android and iOS
• ConnectIPS transfer up to NPR 200,000 per transaction
• Payments up to NPR 100,000 per transaction
• Wallet load up to NPR 50,000 per transaction
• Two-factor authentication with device ID

Paperless QR-code mobile payment service.

• Paperless payment via QR code scanning
• Fonepay QR accepts eSewa and mobile banking
• Works across different banks and FIs
• Faster and cheaper than conventional methods

Single payments platform linking bank accounts for transfers and bill payments.

• Fund transfers and biller payments
• Supports C2G, C2B and P2P transactions
• Extended product of Nepal Clearing House
• Available on web and mobile app

Cardless, chequeless cash withdrawal via mobile QR.

• Cash withdrawal without cheque or debit card
• Uses Sindhu Smart Mobile QR facility
• Up to NPR 100,000 per transaction
• Up to NPR 300,000 per day

Registration service for applying to IPO, FPO and rights shares.

• Provides C-ASBA Registration Number (CRN)
• Required to apply for IPO/FPO/rights shares
• Register at nearby branch with bank account
• Authorizes bank to debit/freeze on requests

Dematerialized securities account service.

Inward and domestic money transfer service.

• Inward remittance from abroad
• Domestic transfers within Nepal
• e-Payment partners: eSewa and Khalti
• Linked Remittance savings and FD products