Garima Bikas Bank

A bundled savings account combining five free capital-market and banking services.

• Free Saving, DEMAT, Mero Share, TMS & C-ASBA
• Minimum balance NPR 1,000
• Interest paid monthly
• Free ABBS with no limit
• 100% cashback on ATM/mobile banking charge (3 txns)
• 50% discount on locker first-year charge
• Free cheque books on demand

A low-cost transactional interest-bearing savings account for general customers.

• Minimum balance Rs. 100
• Interest paid quarterly
• Free ABBS, cheque book & account statement
• C-ASBA and Connect IPS access
• Debit card for ATM and POS
• SMS, mobile and web banking

A basic interest-bearing account for accumulating savings over time.

• Interest 2.75% p.a.
• Minimum balance Rs. 500
• Interest paid quarterly
• Free ABBS, cheque book & account statement
• Debit card for ATM and POS
• C-ASBA and Connect IPS access

A savings account designed for women customers.

• Minimum balance NPR 100
• Interest paid quarterly
• Free ABBS and cheque book
• Free one-time account statement
• Access to locker facility
• Debit card, C-ASBA and Connect IPS

A savings account for children below 18 to build future funds.

• For children below 18 years
• Minimum balance NPR 100
• Interest paid quarterly
• Free ABBS, cheque book & statement
• Debit card for ATM and POS
• SMS, mobile and web banking

A savings account with priority banking for those aged 60 and above.

• Eligibility: age 60 and above
• Minimum balance NPR 100
• Interest paid quarterly
• Free ABBS, cheque book & statement
• Priority and personalized banking service
• Debit card, C-ASBA and Connect IPS

An account for foreign-employment workers and their families in Nepal.

• Minimum balance Rs. 100
• Interest paid quarterly
• Openable by remitter or family in Nepal
• Deposits via bank or remittance channels
• Free ABBS, cheque book & statement
• Debit card, C-ASBA and Connect IPS

An account letting Nepalis abroad apply for reserved foreign-employment IPO quota.

• Interest 4.75% p.a., paid quarterly
• NPR 50,000 reserved for IPO (first 6 months)
• Eligibility: Nepali 18+ working abroad
• Free C-ASBA, DEMAT & Mero Share
• Mobile/internet banking (view-only)
• Excess funds withdrawable after 6 months

A high-interest term deposit for a fixed period from 3 months upward.

• Minimum deposit NPR 10,000
• Tenure from 3 months upward
• Interest up to 5.43% (5 years+)
• Interest paid quarterly
• Loan up to 90% of FD value
• Open to individuals and firms (excluding BFIs)

A salary-deduction recurring deposit to build savings habits among employees.

• Minimum balance NPR 500
• Interest capitalized quarterly
• Deposits via employer salary deduction
• Loan up to 80% against deposit
• Free ABBS and account statement
• No withdrawals during operation

A non-interest-bearing transactional account for businesses and organizations.

• Non-interest bearing
• Minimum balance NPR 5,000
• High-volume transaction capacity
• Free cheque book and ABBS
• Internet banking (view-only)
• Connect IPS access for eligible firms

Financing to buy land/building or construct a residential home.

• Loan from NPR 0.4 million up to SOL
• Tenure up to 30 years
• Up to 100% of construction cost
• Repaid on EMI basis
• Registered mortgage of real estate
• Promo fixed 11.99% p.a. for 7 years

Financing to purchase a private vehicle.

• Loan from NPR 1 million up to SOL
• 50% financing (80% for EVs)
• Second-hand: 50% of valuated cost
• Tenure up to 10 years
• Repaid on EMI basis
• For salaried/self-employed with stable income

Financing for public or commercial vehicles for business use.

• Loan from NPR 0.3 million up to SOL
• New vehicles: up to 75% of cost
• Second-hand: up to 70% of valuation
• Tenure up to 8 years (new public vehicles)
• Repaid on EMI basis
• For individuals or registered firms

Financing for higher, technical or professional education.

• Loan NPR 0.15 to 0.50 million
• Tenure up to 10 years
• Includes 1-year grace period
• Repaid on EMI basis
• Student age 18-35 years
• Guarantor age up to 70 years

Margin lending secured by listed shares, bonds and mutual funds.

• Minimum NPR 0.5 million
• Personal overdraft up to NPR 5 million
• Ordinary shares: up to 65% financing
• Promoter shares: up to 50% financing
• Tenure up to 1 year, renewable
• For Nepali citizens 18+ or firms

Financing for agriculture firms in production, livestock and machinery.

• Minimum loan NPR 0.3 million
• Maximum up to single obligor limit
• Term loans 1-10 years
• Tractors/machinery up to 5 years
• Overdraft or EMI repayment
• For registered agriculture firms

Financing for small and medium enterprises' expansion and working capital.

• Loan NPR 1 million to NPR 20 million
• Working capital: up to 70% of net working capital
• Term loan: up to 80% of assets
• Fixed-term tenure 1-15 years
• Repaid on EMI basis
• Promo fixed 11.99% p.a. for 7 years

Financing for established or new businesses' capital and working-capital needs.

• Minimum loan NPR 10 million
• Maximum up to single obligor limit
• Up to 70% of project cost
• Fixed-term tenure up to 20 years
• Overdraft up to 1 year, renewable
• EMI or interest-only repayment

A VISA debit card for ATM withdrawals and in-store/online purchases.

• 3D Secure (Verified by VISA)
• Contactless tap-and-go payments
• SCT-UPI for Nepal and India
• Instant SMS alerts on every transaction
• Per-transaction limit NPR 20,000
• Daily limit NPR 50,000

A VISA credit card with interest-free period and EMI options.

• Joining and annual fee NPR 1,000 each
• Credit limit NPR 15,000 to 500,000
• Interest-free period up to 45 days
• Accepted in Nepal, India and Bhutan
• Contactless up to Rs. 5,000 without PIN
• EMI conversion and MOCO app payments

A fully digital credit card created instantly in the Garima Digi app.

• Created in seconds, no physical card
• Accepted at 1.7M+ Fonepay merchants
• Credit limit Rs. 10,000 to 100,000
• Interest-free period up to 45 days
• Interest 30% p.a.
• Joining/renewal fee Rs. 1,000
• Card validity 3 years

A unified mobile and web digital banking platform.

• Balance inquiry and fund transfers
• Utility bill payments and mobile top-up
• Air, bus and cable-car ticketing
• SMS-based offline banking support
• Mobile per-transaction limit NPR 100,000
• Web per-transaction limit NPR 500,000

A merchant QR solution for instant payments into the business account.

• Supports Fonepay, NepalPay and MOCO QR
• Instant settlement to merchant account
• Merchant rewards on transactions
• Daily limit NPR 3 lakh per QR
• Statements via web or mobile app
• Requires business account and PAN

A web-based service to apply for IPO/FPO/rights via the bank account.

• Apply for IPO/FPO/rights online
• Funds blocked, not paid by cheque
• Investor earns interest on blocked money
• Automatic refund handling
• Charge NPR 5 per application
• Integrates DEMAT and bank account

A web-based real-time domestic remittance and payout service.

• Web-based real-time money transfer
• Over 5,000 payout locations nationwide
• Payout at any GBBL branch and agents
• Partnered with 22+ remit companies
• Multi-layered authentication
• AML/CFT and KYC compliant

A secure rentable locker facility for storing valuables.

• Small, Medium and Large sizes
• Annual rent NPR 2,000 to 3,000
• Insurance against fire and hazards
• Nomination and survivorship facility
• Available at 9 branches
• Complete privacy of contents