Manjushree Financial Institution Ltd

A basic everyday savings account with the bank's lowest operating costs.

• Interest earned on daily balance
• Free cheque facility
• Free account statement
• Free mobile banking service
• Free cash withdrawal & balance enquiry at any SCT/UnionPay ATM nationwide

A premium savings bundle with free lifetime services and insurance benefits.

• Interest on daily balance
• Free debit card & mobile banking for lifetime
• Free cash withdrawal at any SCT/UnionPay ATM nationwide
• Free IPS/RTGS services
• Free C-ASBA
• Accidental insurance (ADB) benefit up to NPR 5 lakh

A women-focused savings account promoting female financial independence.

• Interest earned on daily balance
• Free debit card / mobile banking service
• Free cash withdrawal at any SCT/UnionPay ATM nationwide
• Electronic Cheque Clearing (ECC) service
• IPS / RTGS service

A salary account for employees with zero-balance and exclusive perks.

• Highest interest rate; zero balance maintenance
• Free debit card service for 5 years
• Free mobile banking service for 5 years
• No charges for cheque, statement or balance certificate
• Accidental insurance (ADB) up to NPR 10 lakh
• Critical illness coverage up to NPR 1 lakh
• Professional loan facility up to NPR 15 lakh

A savings account for Nepalis in foreign employment and remittance earners.

• Special interest rate on daily balance
• IPO application benefit under foreign employment
• Free mobile banking & debit card services
• Free cash withdrawal at any SCT/UnionPay ATM nationwide
• Free C-ASBA

A term deposit offering competitive guaranteed returns over a fixed period.

• Minimum deposit NPR 10,000
• Flexible deposit amount and flexible tenor
• Loan against FDR up to 90% of FD amount
• Requires a savings account with the bank
• Attractive competitive interest rate

A savings account aimed at building savings for a child's future.

Financing to purchase, construct, renovate or extend a residential property.

• Loan limit up to NPR 50 million
• Repayment tenure up to 25 years
• Covers purchase, construction, renovation or extension
• For salaried, self-employed and business owners
• Property must be within Nepal and legally compliant

Financing for new or used vehicles, including electric vehicles.

• Up to 50% LTV of tax invoice (private vehicles)
• Up to 60% LTV for electric vehicles
• Up to 70% of quotation for new business-use vehicles
• Used vehicles up to 8 years old (exceptions for Korean/Japanese brands)
• Maximum tenure 8 years from manufacture date
• For individuals or institutions

A term loan financing higher-education costs in Nepal or abroad.

• Up to NPR 50 lakh for studies in Nepal/SAARC
• Up to NPR 1 crore for studies abroad
• Financing up to 100% of course expenses
• Applicant aged 16-45, Nepalese citizen
• Collateral: registered mortgage of land/building
• Maximum tenure up to 20 years including moratorium

Tailored financing for business expansion, working capital and capital expenditure.

• Loan amount NPR 10 million to 50 million
• Business Term Loan (capital expenditure / permanent working capital)
• Business Cash Credit (revolving short-term working capital)
• Includes MSME loans from NPR 1 to 20 million
• Flexible repayment schedule
• For existing or new businesses registered under Nepali law

Margin financing against NEPSE-listed shares pledged as collateral.

• Up to 70% of pledged share value
• Loan tenure maximum one year, renewable
• Single obligor limit NPR 15 crore
• Total margin lending capped at 40% of core capital
• For retail holders of NEPSE-listed shares
• Borrower retains ownership of shares

A chip-enabled debit card on the SCT and UnionPay networks.

• Chip-enabled, NRB-compliant secure card
• ATM cash withdrawal on SCT & UnionPay networks
• Access to 1000+ SCT member-bank ATMs
• POS purchases at merchant locations
• Digital wallet loading facility
• Currently no charge for ATM transactions

The bank's mobile app for balances, transfers, payments and QR pay.

• Check balance, view history, download statements 24/7
• Scan & Pay via Fonepay and NEPALPAY QR
• Fund transfer to other banks via ConnectIPS (free for Manjushree customers)
• Per transaction & per day limit NPR 3,00,000
• Per month limit NPR 10,00,000
• Wallet load/unload and bill payments

A secure online platform for 24/7 account access and payments.

• Real-time balance and transaction history
• Download e-statements
• Interbank transfer via ConnectIPS (free for Manjushree customers)
• Instant intra-bank transfers
• Bill payments and mobile top-up
• Per transaction & per day limit NPR 5,00,000
• Per month limit NPR 50,00,000

A QR-based cardless cash withdrawal service at bank branches.

• Cash withdrawal by scanning QR at branch service points
• No cheque leaf or debit card required
• Per day transaction amount up to NPR 100,000
• Per day transaction count up to 100
• Safe, secure and time-saving

NCHL e-payment system linkage for transfers and biller payments.

• Link bank account with one-time verification
• Payment up to NPR 100,000 via web (connectips.com)
• Payment up to NPR 5,000 via mobile app
• Fund transfer, online and biller/creditor payments
• Government revenue and share-broker payments

QR-based acceptance for merchants on interoperable networks.

• Accept payments via Fonepay and NEPALPAY QR
• Scan & Pay merchant acceptance

Pay utility and biller services through the bank's digital channels.

• Pay electricity, water and telecom bills
• Mobile recharge and wallet top-up

Money transfer service to send and receive remittance via partner companies.

• Send and receive money through various remittance companies
• Linked to Naulo Remit savings account benefits