Prime Commercial Bank

General savings account for the Nepalese public of all age groups.

• Eligibility: Nepali individuals, all ages
• Minimum balance NPR 100
• Interest paid quarterly
• Debit card, mobile & internet banking
• Cheque book and Any Branch Banking (ABBS)
• Balance certificate and Good-for-Payment

Premium savings account offering the bank's full premium service suite.

• Zero minimum balance
• Interest posted quarterly
• Free cheque book
• Free SMS/internet banking
• Free ABBS facility
• Unlimited withdrawal/deposit
• On-demand statement

Savings account for children below 18 years of age.

• Eligibility: children under 18
• Minimum balance NPR 100
• Interest posted quarterly
• Free cheque book
• Free internet banking and ABBS
• SMS/mobile banking and VISA debit card

Savings account designed for women with added privilege benefits.

• Eligibility: Nepali women over 18
• Zero minimum balance
• Interest posted quarterly
• Free cheque book, internet banking, ABBS
• 50% discount on debit card issuance
• 50% discount on locker annual rent
• 50% discount on remittance fee

Savings account for senior citizens.

• Eligibility: senior citizens
• Zero minimum balance
• Interest posted quarterly
• 25% discount on ATM card (one-time)
• Good-for-Payment cheque
• Locker service and balance certificate
• Mobile banking

Savings account for Nepali senior citizens aged 50 and above.

• Eligibility: citizens 50+ years
• Minimum balance NPR 1,000
• Interest paid quarterly
• Free cheque book, internet banking, ABBS
• C-ASBA and Demat (opening only)
• 25% waiver on debit/credit card fees
• 25% waiver on locker rent

Savings account for students of plus-two or higher colleges.

• Eligibility: plus-two/college students
• Interest posted quarterly
• Free ABBS, internet & SMS banking
• 25% discount on debit card issuance
• 50% discount on remittance fee
• 25% discount on education loan processing fee

Savings account for individuals without an account at any other bank.

• Eligibility: major Nepali with no other bank account
• Minimum balance NPR 100 (deposited by bank)
• Interest posted quarterly
• Free cheque book and internet banking
• Free ABBS
• 50% discount on debit card issuance fee

Savings account for non-profit organisations such as NGOs, INGOs and trusts.

• Eligibility: NGOs, INGOs, trusts, clubs, committees
• Minimum balance NPR 1,000
• Interest posted quarterly
• Free cheque book and internet banking
• Free ABBS and balance certificate
• Free Good-for-Payment
• Mobile banking registration

Premium salary savings account for employees of any organisation.

• Eligibility: salaried individuals 18+
• Minimum balance NPR 100
• Interest paid quarterly
• Free internet banking and mobile registration
• 50% discount on debit card
• 50% discount on credit card issuance
• Cheque book, ABBS, Good-for-Payment

Savings account for Nepalis going abroad for foreign employment.

• Eligibility: individuals going for foreign employment
• Zero minimum balance
• Interest paid quarterly
• Free cheque book, internet banking, ABBS
• 50% discount on debit card fee
• 50% discount on USD travel card issuance

Savings account bundled for safe-deposit locker customers.

• Eligibility: Nepali individuals
• Minimum balance NPR 10,000
• Interest posted quarterly
• Any Branch Banking Service (ABBS)
• SMS/internet banking
• Balance certificate

Savings account with standing-instruction bill payment for all customers.

• Eligibility: all customers
• Zero minimum balance
• Interest paid quarterly
• ATM card
• SMS/internet banking and ABBS
• Auto bill payment via standing instruction

Savings account for recipients of government social security allowance.

• Eligibility: social security allowance recipients
• Zero minimum balance
• Interest posted quarterly
• Free cheque book and internet banking
• Free ABBS and debit card
• SMS/mobile banking

Term deposit offering a fixed interest rate for a fixed period.

• Eligibility: PCBL savings/current account holders
• Tenure 3 months to 5 years
• Interest posted quarterly
• Fixed rate per published interest rates

Fixed deposit for funds received from abroad via remittance or SWIFT.

• Eligibility: PCBL account holders
• For funds received via international remittance/SWIFT
• Tenure 3 months to 5 years
• Interest posted quarterly

Term deposit where a fixed amount is transferred monthly from a savings account.

• Monthly transfer from savings account
• Recurring deposit principle
• Term deposit product

Housing finance for purchase, construction, renovation or furnishing of a home.

• Purchase of new house or flat
• Construction on owned land
• Purchase of old house (up to 10 years old)
• Extension/repair/renovation
• Furnishing of existing house

Auto loan to purchase new or used vehicles.

• Finances new vehicles
• Finances used vehicles up to 5 years old
• Target: salaried persons, professionals, businesses
• Quick and easy processing

Loan to fund higher education in Nepal or abroad.

• For higher study in Nepal and abroad
• Applicant/co-applicant minimum age 18
• Co-applicant supports repayment
• Education-focused financing

Non-collateral, credit-based personal loan for salaried individuals.

• No collateral required
• Eligibility: permanent salaried, age 18-60
• Processing fee 0.75% of loan amount
• Commitment fee 0.15% of unutilized limit
• Quick disbursal, minimal documentation

Term loan against fixed assets for business or personal needs.

• Secured against fixed assets
• Revolving credit facility option
• Interest charged only on funds used
• Long-term flexible repayment
• Dedicated relationship manager

Quick loan against pledged gold, disbursed within an hour of approval.

• Funds within 1 hour of approval
• Collateral: gold (raw or jewellery)
• Tenure maximum 1 year
• Partial/full prepayment free of charge
• Minimal paperwork

Loan against pledged NEPSE-listed shares to unlock portfolio value.

• Financing up to 70% of share value (per NRB)
• Valuation on 180-day average closing price
• Interest serviced quarterly
• Principal serviced annually if not renewed

Loan against government and corporate bonds or debentures.

• Up to 90% of value for government/central bank securities
• Up to 70% for corporate debentures
• Interest serviced quarterly
• Principal serviced annually if not renewed

Customized credit facilities for small and medium enterprises.

• Working capital and term loans
• Import/export loans, LC and bank guarantee
• Auto loans for business
• Competitive rate and processing fee
• Quick processing and approval
• Dedicated relationship managers

Deprived-sector loan for small and micro enterprises.

• For agriculture, production, trading, service businesses
• Rate: Base Rate + 2.00% premium
• Interest subsidy 5% for loans up to Rs 50 million
• Fast and easy financing process
• Lesser documentary hassle

Wholesale loan to NRB-licensed microfinance institutions for the deprived sector.

• Eligibility: NRB-licensed microfinance institutions
• Non-revolving facility
• Interest payable quarterly
• Attractive interest rate
• Relationship manager support

Financing across the agricultural value chain - production, processing and trading.

• Farming finance: seeds, fertilizer, irrigation, equipment
• Processing finance: rice mills, dairy, cold storage
• Trading & logistics working capital
• Covers full agricultural cycle

Flagship financing for large manufacturing, service and trading enterprises.

• Term loans and bridge financing
• Working capital and bank guarantees
• Competitive interest rate and processing fee
• Quick approval
• Dedicated relationship managers

Consortium and syndicated financing for large infrastructure projects.

• Consortium financing and loan syndication
• Hydropower, manufacturing, healthcare, education, hospitality
• Term loans and bridge financing
• Working capital and bank guarantees

Visa debit card for ATM, POS and online use linked to the account.

• ATM cash withdrawal, balance enquiry, mini statement
• POS purchase and cash advance
• Per-transaction withdrawal limit Rs 20,000
• Daily withdrawal limit Rs 50,000
• Usable at Prime and member ATMs

Visa credit card to pay merchants for goods and services.

• Payment card for goods and services
• Accepted at merchants
• EMI scheme available on purchases

Installment scheme to buy from partner merchants using a Prime credit card.

• 100% financing within available credit limit
• 0% interest
• Nominal processing fee
• EMI tenure of 6, 12 or 18 months
• Tie-ups with renowned stores nationwide

Virtual USD prepaid card for international e-commerce payments.

• Virtual card, 5-year validity
• Maximum top-up USD 500 annually (per NRB)
• For international e-commerce only
• Not valid in India and Bhutan
• Use for Netflix, Amazon, exam fees, ads

USD prepaid travel card for use abroad.

• Prepaid dollar travel card
• PIN-protected, activate at ATM
• For personal use
• Fees per published digital product tariff

Smartphone app for account access and financial transactions anytime.

• Account access anywhere, anytime
• Financial transactions on the go
• Cost-efficient banking alternative

Withdraw cash from ATMs using the Prime Smart app without a card.

• Withdraw via Prime Smart app
• OTP sent to registered mobile
• Select Cardless option at ATM
• No physical card required

Make payments by scanning NEPALPAY QR codes.

• Payment via NEPALPAY QR scan

QR code service for merchants and customers to enable digital transactions.

• QR-based merchant payments
• Reduces cash handling
• Eases sales transactions

Point-of-sale terminals letting merchants accept card payments.

• Accepts debit/credit card payments
• Electronic transactions at merchant location
• For retail, hospitality and travel sectors

Pay Nepal Telecom and Nepal Electricity Authority bills via the bank.

• Nepal Telecom GSM/PSTN/ADSL bill payment
• NEA electricity bill payment
• Cash payment at any branch
• Standing instruction auto-payment

Receive money at any branch through partnered remittance companies.

• Western Union and MoneyGram
• IME, Prabhu, Himal, Siddhartha Remit
• eSewa Remit and GME (Best Remit)
• Payout at all branches

Recurring term deposit funded by monthly transfers, geared to remittance customers.

• Monthly transfer into recurring account
• Recurring deposit principle
• Term deposit product

Import letters of credit for purchasing goods abroad or locally.

• Sight and usance import LCs
• For importing goods
• Local goods purchase support

Various guarantees issued to meet tender, performance and payment requirements.

• Bid bonds and performance bonds
• Advance payment and custom guarantees
• Local guarantees against foreign counter-guarantees

Secure vault lockers to store valuables, documents and jewellery.

• High-security vaults
• Affordable annual fees
• Multiple locker sizes
• Available across branches
• Requires account and ID documents

Depository participant services for opening Demat accounts and Meroshare.

• Demat account opening at branches
• Meroshare registration
• DP-related services at preferred branch