Narayani Development Bank
Bharatpur Municipality-10, Bypass Road, Chitwan, Nepal (registered office Ratnanagar-1, Tandi, Chitwan) ·
Narayani Development Bank Limited is a district-level Class-B development bank based in Chitwan, Nepal, offering deposit, loan and digital banking services.
Rates at a glance
Deposit rates
| Product | Type | Tenor | Depositor | Rate p.a. |
|---|---|---|---|---|
| Fixed Deposit | Fixed | 1yr+ | individual | 7.50% |
| Fixed Deposit | Fixed | 6mo–1yr | individual | 7.25% |
| Fixed Deposit | Fixed | 3mo–5mo | individual | 7.00% |
| Fixed Deposit | Fixed | 6mo–1yr | institutional | 6.75% |
| Remittance Savings | Remittance | — | individual | 3.52% |
| Normal Savings | Normal Savings | — | individual | 3.25% |
About Narayani
Narayani Development Bank Limited commenced operations on September 28, 2001, originally as Narayani Audhogik Bikas Bank Limited before being rebranded to its current name. It operates as a district-level "B" class licensed financial institution regulated by Nepal Rastra Bank, providing deposit, lending, remittance and digital banking services to customers in the Chitwan district. The bank operates through five branches (Tandi, Yagyanpuri/Cancer Hospital, Bharatpur Hospital, Narayangarh, and Parsa) and emphasizes modern IT infrastructure and a dedicated management team.
Source: ndbl.com.np
Contact
- Head office
- Bharatpur Municipality-10, Bypass Road, Chitwan, Nepal (registered office Ratnanagar-1, Tandi, Chitwan)
- Phone
- +977-56-590012, +977-56-590013
- [email protected]
- Website
- https://ndbl.com.np
Products & Services
Deposits
13Narayani Sunaulo Saving Account
A premium savings account for individuals over 18 with added insurance and card benefits.
- Eligibility: individual over 18 years
- Minimum balance NPR 10,000
- Indicative interest 3.52% p.a. (subject to change)
- Free ABBS, cheque book & account statement
- Non-restricted deposits and withdrawals
- Accidental death insurance up to NPR 7 lakh
- 10% reduction on loan processing fees
- Free Narayani Privileged Card & mobile banking
Normal Saving Account
A basic savings account for resident Nepali citizens, held individually or jointly.
- Eligibility: resident Nepali citizens
- Can be opened individually or jointly
- Minimum balance NPR 1
- Interest accrued quarterly on daily balance
- Free ABBS & free account statement
- Non-restricted deposits and withdrawals
Special Saving Account
A savings account for resident Nepali citizens with a higher minimum balance.
- Eligibility: resident Nepali citizens
- Can be opened individually or jointly
- Minimum balance NPR 1,000
- Interest accrued quarterly on daily balance
- Free ABBS & free account statement
- Non-restricted deposits and withdrawals
Balbachat Saving Account
A children's savings account opened by a parent or guardian for a minor.
- Eligibility: Nepalese children (minors)
- Opened by parent or certified guardian
- Minimum balance NPR 100
- Interest accrued quarterly on daily balance
- Free ABBS & free account statement
- Non-restricted deposits and withdrawals
Grihini Saving Account
A savings account exclusively for Nepali women.
- Eligibility: Nepalese women citizens
- Minimum balance NPR 100
- Interest accrued quarterly on daily balance
- Free ABBS & account statement
- Non-restricted deposits and withdrawals
Salary Saving Account
A savings account for salaried employees of a firm, company or organization.
- Eligibility: proven salaried job holders
- Minimum balance NPR 100
- Interest accrued quarterly on daily balance
- Free ABBS & free account statement
- Non-restricted deposits and withdrawals
Share Holder Saving Account
A savings account for resident Nepali citizens (shareholders), held individually or jointly.
- Eligibility: resident Nepali citizens
- Can be opened individually or jointly
- Minimum balance NPR 100
- Interest accrued quarterly on daily balance
- Free ABBS & free account statement
- Non-restricted deposits and withdrawals
Remittance Saving Account
A savings account for NDBL remittance transaction holders.
- Eligibility: NDBL remittance transaction holders
- Minimum balance NPR 100
- Interest accrued quarterly on daily balance
- Free ABBS & free account statement
- Non-restricted deposits and withdrawals
Current Account
A non-interest transactional account for firms, companies and institutions.
- Eligibility: firms, companies, institutions
- Minimum balance NPR 1,000
- Free ABBS & free account statement
- Non-restricted deposits and withdrawals
Call Deposit
A deposit account for firms and institutions with negotiable interest.
- Eligibility: firm, company or organization/institution
- Minimum balance NPR 10,000
- Interest at rate of mutual understanding
- Interest accrued quarterly on daily balance
- Free ABBS & free account statement
Individual FDR (3 Months & Above) Mutual
A fixed deposit for individuals with tenure of 3 months and above.
- Tenure: 3 months and above
- Indicative interest 5.40% p.a. (subject to change)
Institution FDR (3 Months & Above) Mutual
A fixed deposit for institutions with tenure of 3 months and above.
- Tenure: 3 months and above
- Interest at mutually agreed rate
Remittance Fixed Deposit Account
A fixed deposit linked to remittance customers offering a higher rate.
- Indicative interest 6.40% p.a. (subject to change)
Loans
4Narayani Home Loan
A loan to purchase, build or renovate a home, repaid from diverse income sources.
- Income sources: salary, business, pension, remittance
- Also agricultural, professional and rental income accepted
- Salary income supported by salary statement
- Business income supported by financial statement
Narayani Business Loan
A loan for proprietorship, partnership firms and private companies.
- Eligibility: proprietorship firms
- Eligibility: partnership firms
- Eligibility: private limited companies
Narayani Personal Loan
A personal loan for Nepali citizens with a stable income source.
- Eligibility: Nepali citizen aged 18 to 65
- Requires stable, sustainable income source
- Spouse/family member income can be included
- UMI must be 1.5 times the EMI
Narayani Personal Guarantee Loan
A personal guarantee-based loan for salaried professionals.
- Eligibility: Nepali citizen aged 18 to 58
- For CAs, doctors, engineers, lawyers, teachers
- Also permanent BFI, insurance & corporation staff
- UMI must be 2 times the EMI
Digital & e-services
2Mobile Banking (Digital Banking)
NDBL's mobile app for managing accounts and transactions anytime, anywhere.
- Manage accounts in real time
- Transfer funds locally and across borders
- Pay bills securely anytime, anywhere
- Track transfers with real-time updates
- Secured with top-notch security
ConnectIPS
Access to the ConnectIPS national payment platform for transfers and payments.
Remittance
1Remittance Service
Domestic and cross-border money transfer service with multiple partner networks.
- Send money domestically or across borders
- Competitive rates and low fees
- Real-time transfer tracking
- Multiple partner networks
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.