Nepal SBI Bank

Basic everyday savings account with no minimum balance requirement.

• Zero minimum balance
• Free cheque book
• Free internet banking
• Free mobile banking
• ATM card facility

Premium savings account for high-net-worth individuals.

• Minimum balance NPR 25,000
• Free cheque book, ATM card, e-banking & mobile banking
• 50% concession on Insta Card & 1st-year locker rental
• 50% remittance discount
• Free DEMAT opening
• Insurance facility

Savings scheme with bundled fee concessions.

• Minimum balance NPR 5,000
• Free cheque book & ATM card
• Free internet and mobile banking
• 50% concession on remittance/RTGS charges
• 50% off 1st-year locker rental

Savings account designed for Nepalese women aged 18+.

• Minimum balance NPR 500
• Single or joint account (one holder must be female)
• Free cheque book
• Free internet & mobile banking
• 25% locker discount

Savings account for senior citizens.

• Minimum balance NPR 1,000
• Free cheque book & ATM card
• Free internet banking
• 50% rental and SWIFT/RTGS concessions
• Fixed deposit with monthly interest option

Savings account for minors below 18, operated by parent/guardian.

• Minimum balance NPR 501
• Free cheque book & ATM card
• Mobile and e-banking
• Free standing instruction
• Parent/guardian operation

Account for Nepal Army, Police and Armed Police Force personnel.

• Zero minimum balance
• Free cheque book & ATM card
• 25% Insta Debit Card concession
• Free e-banking & mobile banking
• Free standing instructions

Account for Government of India pensioners domiciled in Nepal.

• Zero minimum balance
• Free ATM/Insta card
• Free mobile & e-banking
• No inward remittance handling charge
• 50% locker discount
• Insurance facility

Account for Nepalese serving in the Indian Army via SBI Defense Salary Package.

• Zero minimum balance
• Free ATM/Insta card
• Free mobile & e-banking
• Remittance concession on 3 monthly INR remittances
• 50% locker discount
• Insurance facility

Savings account for non-resident Nepalese with valid passport/visa.

• Minimum balance NPR 10,000 or USD equivalent
• NPR or USD currency options
• ATM card
• Mobile banking
• Free e-banking

Foreign-currency account for those with foreign income or foreign citizens.

• Minimum balance USD 20 (also GBP/EUR/AUD)
• ATM card
• Mobile banking
• Free e-banking
• 50% Vishwa Yatra Card discount

Savings account to encourage student saving habits.

• Minimum balance NPR 501 (waived for MGS/GJS students)
• Resident students under 18
• Parent/guardian operation
• Free cheque book
• Inquiry/SMS-only e-banking & mobile banking

Salary disbursement account package for corporate employees.

• Preferential fixed/recurring deposit rates
• ATM issuance waiver
• Free locker facility
• Free internet & mobile banking
• Free standing instructions
• Insurance facility

Account for non-profit and TDS-waived organizations.

• Minimum balance NPR 5,000 (NPR) or nil (USD)
• NPR and USD currency options
• Free internet banking
• Free cheque book
• Single institutional operation

Financial-inclusion savings scheme for unbanked populations.

• Minimum balance NPR 100 (deposited by bank)
• Free internet & mobile banking
• Free cheque book
• ATM card

Zero-balance salary account for government and non-government employees.

• Zero minimum balance
• 40% locker rental concession
• 50% discount on Draft/RTGS remittance to India
• Mobile/SMS banking
• Insurance facility

Account for those receiving remittances from family working abroad.

• No minimum balance
• 1% above highest savings rate
• ATM card & mobile banking
• Free internet banking
• Inward remittance credits only

Account for migrants from Dhanusha, Mahottari and Siraha districts.

• Zero minimum balance
• Free cheque book
• Free internet banking
• Free ATM card
• Mobile banking

Recurring deposit with fixed monthly deposits and lump-sum maturity withdrawal.

• From NPR 200 in NPR 100 multiples
• Period 12-84 months (6-month multiples)
• Quarterly interest credited to principal account
• Quarterly capitalization

Fixed deposit scheme with quarterly capitalization and loan facility.

• Minimum NPR 5,000
• Individuals 3-120 months; institutions 6-120 months
• Quarterly interest capitalization
• Loan up to 90% against balance

Short-term 101-day fixed deposit.

• Minimum balance NPR 100,000
• Individuals and institutions eligible
• Single/joint accounts
• Premature withdrawal allowed per bank policy

Medium-term 201-day fixed deposit.

• Minimum balance NPR 100,000
• Individuals and institutions eligible
• Single/joint accounts
• Premature withdrawal allowed per bank policy

Provident fund account for organizations' permanent employees.

• Higher interest than standard savings
• Daily calculation with quarterly payout
• Soft loan up to 90% of balance
• Monthly salary deductions plus employer contributions

Karnali Pradesh account supporting daughters up to age 20.

Revolving overdraft facility against mortgage for personal or business needs.

• Loan up to NPR 100 lacs
• On-demand with annual renewal
• Interest served quarterly
• EMI capped at 50% of gross income
• Collateral required

Structured EMI term loan against mortgaged property.

• Loan up to NPR 1,000 lacs
• Tenure up to 300 months (25 years)
• Collateral property required
• EMI capped at 50% of gross income

Home financing for land purchase, construction or renovation.

• Up to 90% of purchase price (land capped at NPR 200 lacs)
• 100% financing for loan takeovers
• Tenure up to 30 years
• Moratorium up to 12 months
• EMI not above 70% of gross income

Vehicle financing for personal, commercial or business use.

• Up to 80% of vehicle cost
• Tenure up to 7 years
• Applicant must be under 60 years
• Regular documented income required
• Easy and fast processing

Financing for students pursuing higher education in Nepal or abroad.

• Loan up to NPR 150 lacs
• Tenure up to 15 years
• Up to 100% of distress value of land/building
• Moratorium up to 5 years or 6 months post-course
• EMI not above 50% of gross income

Tailored financing for small and medium-sized enterprises.

• Loan up to NPR 100 million
• Working capital valid 1 year (renewable)
• Term loans up to 11 years incl. 1-year moratorium
• 25% margin requirement
• Revolving or term structure

Loan against pledged dematerialized shares of listed companies.

• Loan up to NPR 20 crores
• Up to 70% of average value of pledged shares
• Tenure up to 1 year
• Revolving or demand loan
• Individuals or firms/companies eligible

Agricultural working capital and term financing for agri businesses.

• Loan up to NPR 50 million
• Working capital valid 1 year (renewable)
• Term loans up to 5 years incl. 6-month moratorium
• Possible interest subsidy per govt guidelines
• Revolving or term options

Variant of the education loan scheme.

Personalized debit card for domestic and India usage.

• Valid in Nepal and India
• Validity 5 years
• ATM withdrawal NPR 20,000/transaction
• Daily limit NPR 40,000
• Monthly limit NPR 300,000
• Issuance fee NPR 2,000 for 5 years

Instantly issued non-personalized Visa/Mastercard debit card.

• Instant issuance
• Valid in Nepal and India
• NPR 1,500 for 5 years or NPR 300 annually
• Same ATM withdrawal limits as standard debit card

USD Visa international debit card for travel abroad.

• International USD transactions
• Validity 5 years
• Issuance fee USD 10
• Withdrawal USD 245/transaction, USD 1,000 daily
• USD 5 access fee per overseas ATM withdrawal

Acceptance of international RuPay cards from Indian banks.

• ATMs accept international-enabled RuPay cards for withdrawal
• POS accepts domestic and international RuPay cards

All-in-one mobile and digital banking app for retail customers.

• Fund transfer within NSBL and to other banks via NCHL
• Bill payments (NEA, internet, government)
• Fonepay & Nepal Pay QR merchant payments
• Mobile top-up
• Open term/recurring deposits online
• Card request/block & cheque management
• Ask SIA chatbot

Online banking portal for account management and transactions.

• Own-account and third-party fund transfers
• View savings, current, deposit and loan accounts
• Statement download in PDF/Excel (last 90 days)
• Beneficiary management with OTP verification
• Last-login security monitoring
• Consolidated multi-account dashboard

Electronic fund transfer from State Bank of India to Nepal SBI Bank.

• Available to SBI account holders and walk-in customers
• Direct account credit or cash via Prabhu Money Transfer
• INR 1.00 per INR 1,000 for NSBL account holders (min 75, max 1,500)
• INR 1.50 per INR 1,000 for non-account holders (min 150, max 3,000)

RBI/NRB cross-border remittance facility for migrant workers.

• Account holders up to INR 200,000 per transaction
• Walk-in up to INR 50,000 (max 12/year)
• Via NEFT-enabled branches across India
• Direct account deposit or cash via Prabhu Money Transfer

Money transfer service within Nepal in partnership with Prabhu Money Transfer.

• Send/receive money anywhere in Nepal
• Available at all NSBL branches
• Payout via PMT locations
• Bidirectional service

International fund transfer via SWIFT correspondent banking network.

• SWIFT arrangement with banks worldwide
• Correspondent bank list available
• Send and receive funds internationally

Digital remittance payment solution with tiered fees.

• Flat fees for amounts up to INR 50,000
• Graduated charges INR 1.00-1.50 per INR 1,000 above
• NPR 100 flat fee plus IPS charges for non-account holders