Salapa Bikas Bank

A savings account positioned for long-term saving for a bright future.

• Interest approx 4.73% p.a.
• Tagline: saving today for bright future
• Visit branch for minimum balance details

A special-purpose savings account.

• Interest approx 4.73% p.a.
• Tagline: save today for special purpose

A savings account aimed at remittance recipients.

• Interest approx 6.57% p.a.
• Targeted at remittance customers

A savings account for women.

• Interest approx 5.26% p.a.
• Tagline: save yourself to be able
• For women customers

A small/regular-deposit savings account encouraging the saving habit.

• Interest approx 5.26% p.a.
• Encourages regular small savings

A savings account to build funds for higher education.

• Interest approx 4.73% p.a.
• Tagline: save for higher education

The bank's standard general savings account.

• Interest approx 4.21% p.a.
• Tagline: save to make life easier

A savings account for senior citizens.

• Interest approx 4.53% p.a.
• For senior citizens

A savings account for students.

• Interest approx 4.53% p.a.
• Tagline: save for further education
• For students

A savings account for children.

• Interest approx 4.53% p.a.
• For children / minors

A savings account for pension holders.

• Interest approx 5.18% p.a.
• For pension recipients

A savings account for social-security allowance recipients.

• Interest approx 4.21% p.a.
• For social security beneficiaries

A savings account for the bank's staff.

• Interest approx 5.46% p.a.
• For bank staff

A savings account for the bank's promoters/shareholders.

• Interest approx 5.46% p.a.
• For promoters/shareholders

Term deposits offered across multiple tenures with higher interest rates.

• Tenures: 3-6 months, 1, 2, 3 and above 5 years
• Up to ~8.5% p.a. for 1 year and above
• ~8% p.a. for 3-6 month term

A term deposit for remittance funds at a premium rate.

• Interest up to approx 9.5% p.a.
• For remittance-sourced deposits

A non-interest transactional account for day-to-day business transactions.

• Non-interest bearing
• For day-to-day business transactions
• Deposit for unspecified period, withdraw anytime
• Eligibility: legal entities / institutions

A non-operative demand deposit account for corporates that earns interest.

• Interest-earning demand deposit
• Non-operative account
• Eligibility: corporates

A collateral-backed term loan for financing personal projects.

• Fixed-asset collateral required
• Up to 50% of FMV of collateral as loan
• Maximum tenure 20 years
• Eligibility: age 18, max 70 at loan end
• Decision within 24 hours of complete documents
• Collateral free of Guthi and mohi

A term loan to fund land, building, machinery or fixed assets for business.

• For land, office/plant building, machinery
• Fixed-asset collateral required
• Up to 60% of FMV of collateral as loan
• Maximum tenure 20 years
• Personal guarantee of 10%+ shareholders required
• Collateral free of Guthi and mohi

A revolving overdraft facility for personal financing needs.

• Fixed-asset collateral required
• Up to 50% of FMV of collateral
• Tenure 1 year, renewable on performance
• Eligibility: age 18, max 70
• Decision within 24 hours of documents

A short-term working-capital overdraft for day-to-day business needs.

• For working capital and short-term needs
• Fixed-asset collateral required
• Up to 70% of FMV of collateral
• Maximum tenure 1 year
• Personal guarantee of 10%+ shareholders required

Financing for livestock, crops, equipment and other agricultural activities.

• For livestock, crops, fertilizers, cold storage etc.
• Up to 70% of FMV if road access 8 ft+
• Up to 60% of FMV if road access 4-8 ft
• Up to 50% of FMV if road access below 4 ft
• Fixed-asset collateral required

A loan to finance new, used or commercial vehicles and equipment.

• For new, used and commercial vehicles
• Up to 70% of vehicle value as loan
• Maximum tenure 5 years
• Used vehicle valued by bank's valuator
• Eligibility: age 18, max 70
• Land/building may be taken as extra collateral

A short-term loan against the security of gold.

• Up to 70% of gold value (jewelry without rasayan)
• Up to 50% of gold value (jewelry with rasayan)
• Tenure 1 year
• Decision within 2 hours of complete documents
• Easy documentation

Concessional loans including agriculture subsidy and women-entrepreneurship loans.

The bank's mobile banking app for transfers, payments and account management.

• Balance and last-5-transaction view
• Own-account and interbank fund transfer via Fonepay
• Bill payments and mobile/TV recharge (NTC, Ncell, DishHome)
• Recharge voucher purchase
• Instant debit/credit card block
• Branch/ATM/merchant locator and FX rates
• Interbank transfer limit NPR 100,000/txn, 300,000/day

Web-based banking with higher interbank transfer limits.

• Interbank transfer up to NPR 500,000/txn
• Up to NPR 2,000,000 per day

Wallet load and QR-based payments linked to the bank account.

• Bank account to wallet up to NPR 50,000/txn
• Wallet to wallet up to NPR 10,000/txn
• QR scan-and-pay via Fonepay network

Group-based savings schemes under the bank's microfinance program.

• Personal Saving: optional individual save/withdraw
• Group Saving: compulsory monthly group deposit
• Double Saving: repays double after 10 or 15 years
• Centre Fund Saving: Rs. 10 per member per month

Small-ticket loans for microfinance group members.

• General Loan: up to 18-month installments
• Agriculture Loan: NPR 5,000 to 100,000 first phase
• Repayment in up to 18 installments
• Grace period allowed as needed