Laxmi Sunrise Bank

A no-frills zero-balance regular savings account for everyday banking.

• Zero minimum balance to open
• Interest 2.76% p.a. paid quarterly
• Free VISA Debit Card and cheque book
• Free mobile and internet banking
• Any Branch Banking Services (ABBS) and ASBA/C-ASBA
• Medical insurance up to NPR 100,000/year
• Accidental death/disability cover up to NPR 500,000
• Eligibility: 18+ with Nepal residential address

A premium flagship savings account with elevated benefits and insurance.

• Interest 3.00% p.a. paid quarterly
• Minimum balance NPR 10,000 held in lien
• Year 1 free VISA Debit, credit and travel cards
• Medical insurance up to NPR 100,000/year
• Accidental death/disability cover up to NPR 1,000,000
• Safe deposit locker: deposit waived, 50% rent off Year 1
• Eligibility: 18+ with Nepal residential address

A savings account specially designed for women with added insurance benefits.

• Interest 2.76% p.a. paid quarterly
• No minimum balance to open
• Free VISA Debit Card and cheque book
• Free mobile and internet banking, ABBS, ASBA
• Medical insurance NPR 100,000/year
• Critical illness cover NPR 500,000
• Accidental death/disability cover NPR 500,000
• Eligibility: women 18+ in Nepal

A paperless, environmentally-friendly savings account with higher yield.

• Interest 3.00% p.a. paid quarterly
• Minimum balance NPR 5,000 held in lien
• Lifetime free Mobile Money and internet banking
• Paperless: no cheque book issued
• One tree planted per account opened
• Medical insurance up to NPR 100,000/year
• Accidental death/disability cover up to NPR 500,000

A savings account for migrant workers and their households receiving remittances.

• Interest 4.00% p.a. paid quarterly
• No minimum balance required
• Extra 1% interest on term deposits from this account
• Free VISA Debit Card and cheque book
• Mobile and internet banking, ABBS, ASBA
• Medical insurance NPR 100,000/year
• Accidental death/disability cover NPR 500,000
• Eligibility: valid foreign-employment work permit

A foreign-currency savings account in USD and other major currencies.

• Currencies: USD, GBP, AUD, EUR, JPY, CNY
• Minimum balance 10 USD/GBP/AUD/CAD/CNY or 1,000 JPY
• Interest paid quarterly
• Competitive exchange rates, ABBS access
• Mobile and internet banking
• Eligibility: 18+ with Nepal residential address

A fixed-term deposit offering higher returns over a chosen tenure.

• Minimum NPR 100,000 (NPR 50,000 rural branches)
• Tenure from 3 months to 5 years
• Loan against FD up to 90% of value
• Interest at maturity or quarterly
• No setup or management fees
• NRN FCY deposits: USD 2.75%-3.25% p.a.

A goal-based scheme with fixed monthly deposits over a set tenure.

• Monthly deposit from minimum NPR 500
• Tenure 1 to 5 years
• Daily interest calculation, paid at maturity
• Automatic monthly debit on chosen date
• No penalty for missed installments or early withdrawal
• Loan up to 90% against RD balance
• Free first-year DEMAT with Laxmi Capital

A savings account designed for differently-abled customers.

Financing to buy, build, or purchase residential property or land.

• Residential building purchase up to NPR 100 million
• Land/apartment/construction up to NPR 50 million
• Up to 70% of fair market value financing
• Up to 80% FMV for first-time home buyers
• Tenure up to 20 years
• Approval within 7 working days

A loan against existing home equity for any personal purpose.

• Installment credit up to NPR 25 million
• Line of credit up to NPR 10 million
• Financing up to 50% of fair market value
• Installment tenure up to 20 years
• Line of credit up to 12 months (renewable)
• Approval within 7 working days

Financing for new or pre-owned private and personal vehicles.

• New vehicles up to NPR 10 million
• Used/refinance up to NPR 4 million
• Up to 60% financing for new vehicles
• Up to 50% of FMV for used vehicles
• Tenure up to 7 years (new), 5 years (used)
• Approval within 7 working days

Financing for higher studies in Nepal or abroad.

• Loan up to NPR 10 million
• Up to 100% of total education costs
• Up to 75% of property fair market value
• Up to 95% of FD or government bond value
• Tenure up to 20 years
• Applicant must have completed higher secondary education

A short-term loan against pledged gold jewelry or bullion.

• Loan up to NPR 5 million
• Up to 75% of fair market value of gold
• Revolving tenure up to 12 months
• Same-day disbursal, minimal documentation
• Pledged gold stored in bank lockers
• Available at New Road and Pulchowk branches

A revolving loan against NEPSE-listed shares.

• Loan up to NPR 200 million
• Up to 70% of FMV for common shares
• Up to 50% of FMV for promoter shares
• Tenure up to 12 months
• Interest payable quarterly
• Approval within 7 working days

Financing for small businesses, startups, and women entrepreneurs.

• Small business up to NPR 30 million
• Startups up to NPR 20 million
• Women entrepreneurs up to NPR 50 million
• Up to 80% financing; 75% on fixed assets
• Tenure up to 10 years
• Debt service coverage ratio 1.35:1 or better

A fully digital, collateral-free instant loan via the Mobile Money app.

• Loan up to NPR 5 lakhs
• No paperwork or collateral required
• Pre-approved instantly in the app
• Amount set by analytics on account history
• Requires active savings account with regular transactions
• Must be a registered Mobile Money user

A debit card linked to a savings account, accepted in Nepal and India.

• Accepted in Nepal and India, online and offline
• TAP and Pay contactless under NPR 5,000
• ATM daily limit NPR 50,000; POS NPR 200,000
• 5 years validity
• Real-time block/unblock via mobile app
• 3D Secure for online transactions
• SMS/email transaction alerts

A VISA credit card for purchases in Nepal and India with pay-later flexibility.

• Up to 45 days interest-free credit period
• POS NPR 200,000 daily, NPR 600,000 monthly (Nepal)
• ATM cash up to 10% of credit limit
• Flexi payment options: 5%, 10%, 25%, 50%, 100%
• 5 years validity, 3D Secure online
• Eligibility: Nepali citizen 21+ with regular income
• Requires NPR 100,000+ average balance (6 months)

A USD-denominated VISA travel card for spending abroad.

• USD VISA card usable worldwide except India
• Per/daily transaction up to USD 3,000 abroad
• Monthly limit USD 5,000 abroad
• TAP and Pay contactless under NPR 5,000
• 5 years validity
• Real-time block/unblock, 3D Secure online

A USD prepaid VISA card for international online purchases.

• USD card for international online marketplaces
• Online use only (no POS or ATM)
• Load USD 500/year standard
• Up to USD 5,000/year with FCY income proof
• 5 years validity, 3D Secure online
• Eligibility: Nepali citizen with PAN card

The bank's mobile app for 24/7 banking, payments, and transfers.

• Fund transfers within bank and interbank
• Utility, credit card and merchant payments (incl. eSewa)
• Mobile top-ups (NTC, Ncell, Dishome)
• Cardless ATM withdrawals at bank ATMs
• Balance inquiry, statements, cheque requests
• Two-factor authentication with device recognition

A secure internet banking service for account and payment management.

• OTP via SMS for transaction security
• Account access and statements 24/7
• Bill payments and payee management
• Personal and business transaction options
• Encryption, firewall, auto sign-off
• Available since 2003

A money transfer service for Nepali migrant workers to send funds home.

• Send/receive at any branch or agent
• Real-time crediting to Nepali bank accounts
• VeriSign security with digital certificates
• AML and KYC compliant
• Coverage across 20+ countries
• Partners incl. IDBI Bank, Arab National Bank, Hanpass

Import and export business financing in local and foreign currency.

• Import and export based business financing
• Available in local and foreign currency
• Subject to central bank permission

Tailored short-term funding for companies' working capital needs.

• Finances short-term funding requirements
• Addresses short-term cash flow gaps
• Tailor-made corporate solutions

Treasury services for currency management and hedging.

• Currency dealing and management
• Risk hedging mechanisms
• Treasury support for corporates

Project-based long-term lending for businesses and infrastructure.

• Long-term finance based on sustainable cash flows
• Sectors: energy, healthcare, real estate, aviation, hospitality
• Consortium banking for large projects

Relationship-manager-led business planning advisory.

• Dedicated relationship managers
• Long and short-term business planning support