Guheshwori Merchant Banking & Finance Ltd

Term deposit with tiered interest by tenure, paid quarterly or at maturity.

• 3 months: 3.50% p.a. (individual)
• 6-9 months: 3.75% p.a.
• 1 to below 3 years: 4.00% p.a.
• 3 to below 5 years: 4.20% p.a.
• 5 years and above: 6.00% p.a.
• Interest paid quarterly or at maturity
• Lower institutional rates (2.75%-4.50%)

Regular periodic deposit scheme for 1 to 10 year terms.

• Interest 4.00% p.a.
• Tenure 1 year to 10 years
• Interest paid quarterly or yearly

Flexible deposit with interest paid quarterly.

• Interest up to 1.40% p.a.
• Interest paid quarterly

Standard savings account.

• Interest 2.80% p.a.

Higher-yield savings account with tiered interest.

• Interest 2.80% - 3.25% p.a.

Savings account for privileged customers.

• Interest 2.80% p.a.

Targeted savings account for seniors, women and children.

• Interest 2.80% p.a.

Savings account for elderly customers.

• Interest 2.80% p.a.

Salary/savings account for employees.

• Interest 2.80% p.a.

Savings account for remittance recipients with bonus interest.

• Base interest 2.80% p.a.
• Additional 1% interest on remittance accounts
• Remittance must be received via banking channel

Savings account linked to share-application (ASBA) facility.

• Interest 2.80% p.a.

Working-capital and term financing for businesses.

• Interest: Base Rate + up to 4%
• Base rate 6.60%
• Available as term loan or overdraft

Personal-purpose term loan or overdraft.

• Interest: Base Rate + up to 5%
• Base rate 6.60%

Term loan at a fixed interest rate by tenure.

• 1 to 2 years: 8.00% p.a.
• 2 to 5 years: 10.00% p.a.
• Above 5 years: 11.00% p.a.

Loan secured against the borrower's fixed deposit.

• Interest: deposit coupon rate + 2.5%

Financing for small and medium enterprises.

• Interest: Base Rate + up to 2%
• Base rate 6.60%

Loan for agricultural activities.

• Interest: Base Rate + up to 2%

Priority-sector lending for deprived segments.

• Institutional: Base Rate + up to 2%
• Personal: Base Rate + up to 5%

Large loan financed jointly with other institutions.

• Interest as per consortium decision

SCT chip-based debit card usable on SCT and VISA-member ATMs and POS in Nepal and India.

• EMV chip-based, highly secure
• Card validity 10 years
• Cash withdrawal limit NPR 50,000/day in Nepal
• Max NPR 20,000 per transaction; 10 txns/day
• Usable in India up to INR 15,000/day
• POS payments, mini statement, balance enquiry, PIN change
• Works on SCT and VISA member bank terminals

Mobile banking app for fund transfers, payments and account services.

• Internal, interbank, Fonepay Direct and connectIPS transfers
• Fund transfer up to NPR 100,000 per txn
• Daily limit NPR 300,000; monthly NPR 1,000,000
• Top-ups, merchant and bill payments
• Load funds to eSewa wallet
• Balance enquiry, statement by date, SMS alerts
• Branch/ATM locator and forex info

Internet banking for account info, transfers and bill payments.

• Account balance, statement and details
• GMBF-to-GMBF account transfer
• Mobile top-up and recharge pins
• Bill payments: electricity, water, internet, TV
• Insurance premium and air/movie ticket payments
• Application form submitted at branch; login emailed

Scan-to-withdraw service for cash from teller counter via QR code.

• Scan QR at teller using Guheswori Smart App
• Provide trace ID to receive cash
• Per transaction up to Rs. 100,000
• Daily Rs. 300,000; monthly Rs. 1,000,000; 10 txns
• Available across all branches nationwide
• Reduces need for physical cards and cheques

SMS notifications for account and transaction activity.

• Alerts for debit/credit transactions
• Account opening and FD maturity alerts
• Loan installment, overdue and expiry alerts
• OTP and mobile banking registration messages
• Activated same working day after form submission

Electronic cheque clearing and interbank payment services via Nepal Clearing House.

• Electronic Cheque Clearing (NCHL-ECC)
• Image-based MICR cheque processing
• Faster interbank cheque settlement
• Interbank Payment System (IPS)

Real-time settlement of high-value, urgent interbank transfers via NRB.

• Real-time, transaction-by-transaction settlement
• For high-value and urgent transactions
• Payments final and irrevocable once processed
• Hosted by Nepal Rastra Bank (connectRTGS)

Mobile and utility recharge service (EPIN and pinless).

• NTC prepaid air time and postpaid
• Ncell air time, Smart Cell, UTL
• Broadlink, WorldLink/WorldCall recharge
• EPIN and pinless recharge options

Domestic and international money transfer via authorized agents.

• Real-time transaction processing
• Fast and reliable service
• Competitive service charge
• Agents include Prabhu, IME, City Express, Himal, Samsara
• Also MoneyGram, Xpress Money, Western channels
• Domestic and international transfers

Secure safe-deposit lockers in varying sizes for valuables.

• Available at Head Office and Bouddha Branch
• Smallest size A: deposit Rs. 6,000, rental Rs. 2,000/yr
• Largest size 4D: deposit Rs. 20,000, rental Rs. 8,000/yr
• Seven locker sizes available
• Service made available same day

Centralized share application service for IPO/FPO/rights via blocked amount.

• Apply to IPO/FPO/rights by blocking funds in account
• Requires C-ASBA Registration Number (CRN)
• Linked with MeroShare online application
• Available at all GMBF branches
• Registration form submitted at branch

Demat account services to hold securities electronically.

• Open Demat account (individual/company)
• Dematerialization and re-materialization of securities
• Settlement of NEPSE and off-market trades
• Deposit bonus/right shares to BO account
• Pledging of dematerialized securities
• Available at all GMFIL branches