Nepal Bank Limited

A basic savings account to promote saving habits for all individuals.

• Minimum balance NPR 500
• Free VISA Debit Card
• Free NBL Smart Mobile Banking
• Demat account opening, C-ASBA & MeroShare registration
• Open online or via Nagarik App

A savings account for senior citizens aged 60 and above.

• Eligibility: senior citizens aged 60+
• Minimum balance NPR 500
• Free VISA Debit Card
• Free NBL Smart Mobile Banking
• Demat, C-ASBA & MeroShare registration

A no-minimum-balance account for salaried employees.

• No minimum balance required
• Restricted to salary deposits only
• Free VISA Debit Card (first year)
• Free mobile banking & Demat (first year)
• Accidental insurance cover NPR 500,000 (first year)
• Requires employee ID or employer recommendation

A foreign-currency savings account for Non-Resident Nepalese.

• Minimum balance USD 1,000 / GBP 900 / AUD 1,600
• Interest payable in foreign or local currency
• 0.25 paisa premium on forex exchange
• Complimentary travel card
• 50% discount on locker fee (first year)
• Account can be opened online from anywhere

A savings account for foreign-employment workers and their families.

• No minimum balance required
• No charge on amount received by remittance
• Only remitted (verified) funds can be deposited
• Free VISA Debit Card
• Free NBL Smart Mobile Banking

A minor's account to build saving habits from childhood.

• Eligibility: children below 18 (minor)
• No minimum balance
• Free standing instruction to debit parent's account
• Ownership transfers to child upon citizenship
• Requires child's birth certificate & guardian ID

A women's savings account with remittance and locker discounts.

• Minimum balance NPR 10,000
• 50% discount on domestic remittance commission
• 50% discount on SWIFT/RTGS international remittance charge
• 50% discount on locker annual fee (Size A)
• Free mobile banking & Demat (first year)

An operating account with no transaction limits for individuals and institutions.

• Minimum balance NPR 1,000
• No restriction on deposit or withdrawal amount
• NBL Smart Mobile Banking & Connect IPS access
• Eligibility: individuals, firms, companies, institutions

Fixed-tenure term deposits in normal, institutional, remittance and NRN variants.

A loan to construct, purchase, renovate or extend residential property.

• Minimum loan NPR 5 lakh
• Up to 70% of valuation for purchase
• Tenure up to 20 years (construction/purchase)
• Renovation tenure up to 10 years
• Eligibility: Nepali citizen 18+
• Requires 8-foot motorable road access

A loan to purchase new or second-hand vehicles for personal or business use.

• Up to 60% of quotation price (per NRB directives)
• Tenure 2 to 7 years
• Covers new and second-hand vehicles
• Eligibility: Nepali citizen 18+ with steady income

A term loan or overdraft against property for personal needs.

• Loan up to NPR 50 lakh
• Term loan tenure up to 20 years
• Overdraft for 1 year, subject to renewal
• Eligibility: Nepali citizen 18-60
• Requires property collateral with motorable access

A loan to finance higher-education tuition and expenses.

• Up to 100% of tuition & admission fees
• Or 80% of total expenses (minimum NPR 2 lakh)
• Tenure 2 to 10 years (excluding moratorium)
• Eligibility: 50% marks / 2.5 GPA at intermediate level
• Requires property collateral and income proof

A quick loan against gold and silver ornaments as security.

• Eligibility: Nepali citizen above 18
• Must hold an NBL account
• Simplified documents and quick loan decision
• CIC report required if loan is NPR 1 million or above

A VISA debit card for ATM, POS and online use, in domestic and international variants.

• Domestic card accepted at VISA ATMs in Nepal & India
• International card accepted at VISA ATMs worldwide
• Cash withdrawal, balance inquiry, POS payments
• PIN change facility
• Card delivered in approximately 10 days

A VISA credit card valid in Nepal, India and Bhutan.

• Valid in Nepal, India & Bhutan
• Credit limit NPR 20,000 to 500,000
• Interest-free period 15 to 45 days on purchases
• Interest 2% per month (24% p.a.)
• Joining/annual fee NPR 750 each
• Eligibility: age 21+, min monthly income NPR 20,000

A mobile app for account management, payments and transfers.

• Balance inquiry and graphical statements
• ConnectIPS interbank fund transfers
• QR code merchant payments and transfers
• Bill payments: electricity, water, internet, airlines, fees
• Mobile top-up and wallet loading (Khalti, eSewa, IMEpay)
• Biometric/fingerprint security and self-registration

A web-based remittance payout system integrated with partner remittance companies.

• Integrated with 12 remittance partners (IME, City Express, Western Union, Prabhu, etc.)
• Payout across nationwide branch network
• 100+ sub-agents across districts
• SWIFT code NEBLNPKA

Inward, domestic and international money transfer services.

• Inward remittance via secret key/PIN and government ID
• Domestic remittance between branches
• Money2India transfers via ICICI Bank
• Inward & outward SWIFT transfers (code NEBLNPKA)
• Outward for education and health, per NRB rules

A bank instrument guaranteeing buyer's payment to the seller in trade.

• Sight, Usance, Deferred, Revolving, Confirmed types
• Transferable, Back-to-Back and Discounting LC
• Local LC for domestic transactions
• Same-day processing subject to compliance
• Advisory services and correspondent banking network

An undertaking to pay the beneficiary if the applicant fails contractual obligations.

• Bid bond and performance guarantees
• Advance payment and counter guarantees
• Payment/suppliers credit and custom guarantees
• Same-day issuance on document submission
• Claim settlement within 7 working days
• Online verification to prevent counterfeits

Secure lockers for storing valuables and important documents.

• Nine locker sizes (A to I)
• Annual rent NPR 2,500 (Size A) to NPR 10,000 (Size I)
• Protection from fire and theft
• Available at 89 branches across all seven provinces