Kamana Sewa Bikas Bank
Gyaneshwor, Aanand Bhairab Marg, Kathmandu-30, Nepal ·
Kamana Sewa Bikas Bank Limited is a national-level Class-B development bank of Nepal offering deposit, lending, and digital banking services through a nationwide branch network.
Rates at a glance
Deposit rates
| Product | Type | Tenor | Depositor | Rate p.a. |
|---|---|---|---|---|
| Fixed Deposit | Fixed | 5yr+ | individual | 4.66% |
| Remittance Savings | Remittance | — | individual | 4.00% |
| Fixed Deposit | Fixed | 3yr+ | institutional | 3.50% |
| Fixed Deposit | Fixed | 3yr–4yr | individual | 3.15% |
| Fixed Deposit | Fixed | 4yr–5yr | individual | 3.15% |
| Fixed Deposit | Fixed | 2yr–3yr | individual | 3.00% |
| Fixed Deposit | Fixed | 1yr–2yr | individual | 3.00% |
| Fixed Deposit | Fixed | 3mo–6mo | individual | 2.75% |
| Fixed Deposit | Fixed | 6mo–1yr | individual | 2.75% |
| Fixed Deposit | Fixed | 1yr–2yr | institutional | 2.75% |
| Fixed Deposit | Fixed | 2yr–3yr | institutional | 2.75% |
| Normal Savings | Normal Savings | — | individual | 2.75% |
Loan rates
About Kamana Sewa
Kamana Sewa Bikas Bank Limited is a national-level (Class-B) development bank headquartered in Gyaneshwor, Kathmandu, operating around 125 branches across Nepal with regional offices in Kathmandu, Narayanghat, Pokhara, Butwal and the Western region. It provides a wide range of savings and fixed-deposit products, retail and business loans, and digital banking services. The bank emphasizes electronic and remittance-linked banking, offering specialized accounts for salaried employees, foreign-employment depositors, women, and children.
Source: kamanasewabank.com
Contact
- Head office
- Gyaneshwor, Aanand Bhairab Marg, Kathmandu-30, Nepal
- Phone
- +977-1-5970030
- [email protected]
- Website
- https://kamanasewabank.com
Products & Services
Deposits
13Normal Saving Account
A general savings account for any individual (single or joint) except minors, with no minimum balance.
- Zero minimum balance
- Interest calculated daily, paid quarterly
- Debit card available
- KS iMobile mobile banking access
- Locker and Demat/Meroshare access available
- Eligibility: all individuals except minors
- Online account opening available
Salary Saving Account
A payroll account for employees of organizations that have a tie-up with the bank.
- Zero minimum balance
- Interest calculated daily, paid quarterly
- Locker 50% discount in first year
- 25% locker security deposit waiver
- Debit card and KS iMobile access
- Requires employer payroll request letter
- Eligibility: organization staff, except minors
AlphaGrow Saving Account
A children's savings account designed to build early saving habits with goal-based tools and parental controls.
- Minimum balance NPR 5,000
- Interest as per bank's published rate
- Free basic KS iMobile (SMS and inquiry)
- Goal-based saving tools
- Parental oversight controls
- Eligibility: children/minors under 18
Bal Bachat Khata (Child Savings Account)
A savings account for minors under 18, operated by a parent or guardian.
- Minimum balance NPR 100
- Interest calculated daily, paid quarterly
- Free standing instruction from parent's account
- Debit card and KS iMobile access
- Operated by guardian until child turns 18
- Requires minor's birth certificate and guardian KYC
Sabal Nari Bachat Khata
A women's savings account aimed at encouraging savings and financial independence.
- Minimum balance NPR 500
- Interest calculated daily, paid quarterly
- Free locker for first year
- 50% locker security deposit waiver
- Debit card and KS iMobile access
- Eligibility: female customers above 18
Swabhiman Bachat Khata
A savings account specially designed for visually impaired customers.
- Zero minimum balance
- Interest calculated daily, paid quarterly
- Free KS iMobile for first year
- Free locker charge for first year
- 50% reduced locker security deposit
- Free Demat/Meroshare access
- Eligibility: visually impaired individuals
Bishista Bachat Khata
A premium savings account for high-net-worth individuals offering doorstep banking.
- Minimum balance NPR 50,000
- Interest calculated daily, paid quarterly
- Personalized doorstep banking (Kathmandu Valley)
- Free KS iMobile and debit card
- Free locker charges and security deposit
- Free Demat/Meroshare access
- Eligibility: all individuals except minors
Kamana Sewa Pragati Bachat Khata (Platinum)
A premium savings account with free banking services plus medical and accidental insurance.
- Minimum balance NPR 5,000
- Medical insurance up to NPR 1 lakh
- Accidental insurance up to NPR 7 lakh
- Interest calculated daily, paid quarterly
- Free KS iMobile and locker charge (year 1)
- 50% locker security deposit reduction
- Eligibility: all individuals except minors
Remittance Saving Account
An account for remittance beneficiaries in and outside Nepal to receive and save remitted funds.
- Minimum balance NPR 1,000
- Accepts only remittance/banking-channel deposits
- Interest calculated daily, paid quarterly
- Debit card and KS iMobile access
- Eligibility: Nepalese, NRNs and immediate family
- Requires valid passport with visa (overseas depositors)
Foreign Employment Saving Account
An account for Nepalese citizens working abroad with valid government work permits.
- Minimum opening balance NPR 1,000
- Interest calculated daily, paid quarterly
- Free Demat/Meroshare access in first year
- Debit card and KS iMobile access
- Deposits via remittance channels only
- Requires passport with visa and work permit
Samajik Surakchhya Saving Account
An account to receive government social-security allowances, opened with local government coordination.
- Zero minimum balance
- Interest calculated daily, paid quarterly
- Debit card and KS iMobile access
- Eligibility: senior citizens, widows, differently-abled per government list
- Requires Social Security ID or government recommendation letter
Individual Fixed Deposit
A fixed-term deposit for existing savings account holders, individually or jointly.
- Minimum deposit NPR 5,000
- Tenure from 3 months
- Interest calculated daily, per published rate
- Loan against FD up to 90% of balance
- Available individually or jointly
- Requires active savings account with bank
Institutional Fixed Deposit
A fixed-term deposit product for institutional and corporate customers.
Loans
6Auto Loan
Financing for personal, commercial and semi-commercial vehicles.
- Up to 80% financing for commercial vehicles
- Up to 60% financing for private/EV vehicles
- Loan NPR 0.4 million to NPR 15 million per vehicle
- Tenure up to 7 years (5 years for EVs)
- Quick processing and easy documentation
- For salaried, professional and business applicants
Mortgage Loan (Home / Plot / Other)
Property-backed loans covering home purchase, plot purchase and personal equity needs.
- Home loan up to 80% LTV for first-time buyers
- Home loan up to NPR 30 million
- Plot purchase loan up to NPR 50 million (50% LTV)
- Personal Equity Loan up to NPR 50 million
- Tenure 3 to 25 years
- Age 23 at application, max 75 at maturity
Gold Loan
A secured loan against pledged gold ornaments, bars or coins.
- Up to 80% financing on fine gold bars/coins
- Up to 70% financing on gold ornaments
- Individuals: NPR 25,000 to NPR 1.5 million
- Institutions: NPR 25,000 to NPR 2.5 million
- Tenure up to 1 year (OD or demand loan)
- Eligibility: age 21 to 70 at maturity
Loan Against Fixed Deposit
A loan secured by the customer's fixed deposit without premature closure.
- Interest: coupon/base rate plus 2%, whichever higher
- Up to 90% LTV for funded limits
- Up to 100% LTV for non-funded limits
- Tenure 3 months to 1 year (or FD maturity)
- Available as overdraft or demand loan
- Premature FD withdrawal only after loan settlement
Sajilo Uddhyami Karja (SUK)
A loan for individual entrepreneurs in small business or agriculture-related activities.
- Maximum loan NPR 2.5 million
- Up to 50% of collateral fair market value
- Term loan up to 20 years
- Overdraft up to 1 year (renewable)
- EMI or EQI repayment options
- For business, expansion and agriculture
Margin Lending
A loan to invest in securities using existing shares, funds or cash as collateral.
- Loan NPR 0.5 million to NPR 250 million (individuals)
- No limit for securities-investment institutions
- Collateral valued per NRB guidelines
- Promoter shares valued at 50%
- Maximum tenure 1 year
- Hassle-free, quick processing
Cards
2KSBBL Visa Debit Card
A Visa-branded EMV chip debit card accepted at ATMs and POS in Nepal and India.
- Accepted at Visa ATMs/POS in Nepal and India
- Contactless payments
- EMV chip-based secure transactions
- 5-year card validity
- First-year issuance free, then NPR 1,400/year
- For savings, current, joint and proprietorship accounts
KSBBL UPI Debit Card
A UnionPay/SCT chip debit card usable at ATMs and POS across Nepal and India.
- Accepted at SCT-logo ATMs/POS in Nepal and India
- Contactless payments
- EMV chip-based secure transactions
- 4-year card validity
- ATM cash withdrawal, balance and mini-statement
- For savings, current, joint and proprietorship accounts
Digital & e-services
4KS iMobile
An omni-channel mobile and internet banking platform for accounts, transfers and payments.
- Balance, statement and last-five transaction view
- Interbank fund transfers
- Utility, credit card and merchant/QR payments
- Airline/movie ticketing and top-ups
- Biometric, PIN and password security
- Transfer limit NPR 100,000 per transaction, NPR 300,000 daily
- Available on Android and iOS
Smart Teller
A cardless, cheque-less cash withdrawal service using the KS iMobile QR feature.
- Cardless, cheque-less QR cash withdrawal
- Per transaction limit NPR 100,000
- Daily limit NPR 300,000
- Monthly limit NPR 2,000,000
- Up to 40 transactions daily
- Secure and reliable
QR Scan and Pay
A paperless QR-based merchant payment and acceptance service (Fonepay / WeChat-UnionPay).
- Accepts Fonepay payments across 58+ banks
- Supports Khalti, IME Pay and WeChat
- Zero merchant service fee currently
- No installation, standee or renewal charges
- Per transaction and daily limit NPR 200,000
- Real-time settlement to bank account
Locker Services
Safe deposit lockers in multiple sizes to safeguard valuables, available across branches.
- Multiple locker size options
- Available across branches nationwide
- Requires service request form and citizenship
- Secure storage for valuables
Remittance
1Remittance Saving Account
An account for remittance beneficiaries to receive and save funds sent through formal channels.
- Minimum balance NPR 1,000
- Accepts only remittance/banking-channel deposits
- Interest calculated daily, paid quarterly
- Debit card and KS iMobile access
- Eligibility: Nepalese, NRNs and immediate family
- Requires passport with visa for overseas depositors
Digital & e-services
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.