Gurkhas Finance Ltd

General savings account to encourage individuals to save.

• Minimum balance NPR 200
• Interest calculated daily, paid quarterly
• Free cheque book issuance
• No withdrawal or deposit restrictions
• Internet, mobile banking & debit card access
• Free Any Branch Banking Services (ABBS)
• Free account statement on request

Savings account exclusively for women.

• Eligibility: women only
• Minimum balance NPR 250
• Interest calculated daily, paid quarterly
• Free cheque book issuance
• No withdrawal/deposit restrictions
• Internet, mobile banking & debit card access
• Free ABBS and free account statement

Savings account for children to encourage saving.

• Minimum balance NPR 100
• Interest calculated daily, paid quarterly
• Free cheque book issuance
• No withdrawal or deposit restrictions
• Internet, mobile banking & debit card facility
• Free ABBS and account statement on request

Savings account for senior citizens aged 60 and above.

• Eligibility: age 60 or older
• Minimum balance NPR 250
• Interest calculated daily, paid quarterly
• Free cheque book issuance
• Unrestricted withdrawals and deposits
• Internet, mobile banking & debit card access
• Free ABBS

Savings account for individuals receiving pensions.

• Eligibility: pension recipients
• Minimum balance NPR 5,000
• Interest calculated daily, paid quarterly
• Free cheque book issuance
• No restrictions for withdrawals and deposits
• Internet, mobile banking & debit card facility
• Free ABBS

Savings account for people working abroad in foreign employment.

• Additional 1% interest above standard savings
• Minimum balance NPR 200
• Interest calculated daily, paid quarterly
• Free cheque book issuance
• No withdrawal/deposit restrictions
• Internet, mobile banking & debit card facility
• Free ABBS

Salary account for employed individuals.

• Minimum balance NPR 200
• Interest calculated daily, paid quarterly
• Free cheque book issuance
• No withdrawal or deposit restrictions
• Internet, mobile banking & debit card access
• Free ABBS

Savings account designed for students.

• Minimum balance NPR 200
• Interest calculated daily, paid quarterly
• Free cheque book issuance
• No withdrawal/deposit restrictions
• Internet, mobile banking & debit card facility
• Free ABBS

Fixed deposit account offering higher interest than savings products.

• Open to any individual
• Higher interest than other account products
• Multiple tenure options (3, 6, 9 months, 1 year, etc.)
• Rates as per published schedule

Fixed deposit product for institutions and companies.

Non-interest-bearing operational account with unrestricted transactions.

• Interest-free account
• Unrestricted withdrawals and transfers
• Available to individuals, firms, institutions and companies
• Suitable as business operational / salary account

Short-term deposit payable on demand.

Loan against real property for purchase, construction or other purposes.

• Up to 50% of Fair Market Value (per NRB guidelines)
• For house construction or readymade house purchase
• Plot purchase, renovation or extension
• Refinancing from existing financier
• Loan against own property
• Quick processing, easy documentation

Loan to purchase vehicles for personal or commercial use.

• EVs and private vehicles: up to 60% financing
• Commercial vehicles: up to 80% of FMV
• Tenure up to 8 years (varies by vehicle)
• Covers personal, used, taxi and commercial vehicles
• Competitive interest rates
• Quick processing, easy documentation

Non-collateral loan for professionals like doctors, lawyers and engineers.

• Maximum loan NPR 1.5 million
• Tenure up to 7 years
• No collateral required
• Competitive interest rates
• Quick processing, easy documentation
• Requires salary certificate & 6-month bank statement

Secured loan against pledged gold ornaments.

• Facility type: overdraft or demand loan
• Overdraft: 1-year revolving
• Demand loan tenure up to 1 year
• Age 21 to 70 years at maturity
• For personal financing needs

Loan against owned shares for purchasing more shares.

• Financing up to 70% of share value
• Collateral: shares, managed funds and/or cash
• For purchasing shares
• Hassle-free, quick processing

Loan against a fixed deposit without breaking it.

• Interest rate: FD coupon rate plus up to 2%
• LTV up to 90% of FD amount
• Facility type: overdraft or demand loan
• Interest payable monthly or quarterly
• Premature FD allowed only after loan settlement

Funding for small and medium-sized enterprises.

• LTV up to 75% of FMV
• Term loan up to 15 years
• Overdraft on 1-year revolving basis
• For working capital and capital expenditure
• Both funded and non-funded facilities
• Competitive interest rate, flexible tenure

Microloan for real estate purchase, construction and renovation.

• Up to 60% of property value
• Tenure up to 10 years
• Structure: term or overdraft
• Age 18 to 70 years at maturity
• For land/building purchase, construction, renovation
• Qualifies under NRB deprived-sector lending

Micro loan for purchase of auto rickshaws.

Visa debit card usable at ATMs and POS terminals.

• Usable at any Visa ATM and POS machine
• Cash withdrawal and balance inquiry at ATMs
• Purchases at POS terminals (stores, hospitals, shops)
• EMV chip-based for secure transactions
• Three-year validity
• Accepted at Visa merchants globally

Mobile app for account management and transactions anytime, anywhere.

• View account statement
• QR payments and Fonepay merchant payment
• Biometric login
• Interbank fund transfer
• Mobile/card recharge and top-up
• NEA & water bill payment
• Airline, bus & movie ticketing
• Works on SMS & internet mode

Internet banking facility for online account access.

Paperless QR-code payment system via mobile.

• Paperless mobile QR-code payments
• Faster transaction processing
• Lower transaction costs
• Merchant enrollment via Fonepay
• Compatible with eSewa
• Works with 58+ banks' mobile apps

Licensed depository participant service to hold securities electronically.

• Demat account opening
• Dematerialization and rematerialization of shares
• Deposit, withdraw and transfer of securities
• Real-time statement/portfolio view via Meroshare
• Pledge and un-pledge of securities
• Updated account statements

Apply for IPO/FPO/rights issues by blocking application funds in your account.

• Application money blocked in bank account
• Centralized account/DMAT verification
• Double-application monitoring and auto-cancellation
• Integrated with Mero Share via CDSC
• Available at all branches nationwide
• Simple C-ASBA form registration

Domestic and international money transfer via partner remit agents.

• Account deposit or cash withdrawal options
• Partners include Western Union, IME, Prabhu, GME
• Also Himal, City Express, Nabil, Kumari, JME remit
• International and domestic transfers

Written guarantees issued on behalf of customers, with commission for validity period.

• Bid bond guarantee
• Performance guarantee
• Advance payment guarantee
• Supplier credit guarantee
• Commission charged for full validity period

Safe deposit locker facility to safeguard valuables.

• Various locker sizes available
• Available across branches nationwide