Saptakoshi Development Bank

A children's savings account for minors aged 17 and below, operated by an authorized guardian.

• For children aged 17 and below
• Helps parents save for child's future
• Authorized person makes deposits and transactions

A savings account specially designed for women.

• Minimum balance NPR 0
• Free debit card for 1st year
• Free SMS/mobile banking for 1st year
• Any Branch Banking Service (ABBS)
• Free cheque book
• Electronic Cheque Clearing (ECC) facility
• IPS & connectIPS facility

A salary account product integrating with an organization's ERP/payroll for automated salary processing.

• Free mobile banking & SMS alerts for 1st year
• Free debit card for 1st year
• Free Any Branch Banking Service (ABBS)
• Integrates with employer ERP/payroll system

An account to receive government social security allowance, with deposits restricted to withdrawals only.

• No minimum balance required
• For receiving social security allowance
• Deposits restricted; withdrawal of allowance only

A term deposit offering a fixed interest rate over a chosen tenure.

• Minimum deposit NPR 25,000
• Term from 3 months to 5 years
• Interest paid monthly or quarterly per term
• No setup, monthly service or management fees
• Loan against deposit up to 90%

A term deposit where a fixed amount is deposited monthly to build a lump sum at maturity.

• Minimum monthly deposit NPR 1,000
• Tenure 1 to 5 years
• Fixed installment and fixed interest rate
• Rate equivalent to prevailing 1-year FD rate
• Lump sum payout at maturity
• Target: students, employees, minors, housewives

A loan for purchase, construction, extension or renovation of residential or commercial buildings.

• For purchase, construction, renovation or extension
• Buy apartment or housing-colony residence
• For salaried and self-employed individuals
• Competitive interest rate and service charge
• Repayment on EMI or EQI with moratorium period

A loan for small and medium enterprises to meet working capital and business expansion needs.

• Designed for small and medium enterprises
• Attractive and competitive interest rate
• Easy and fast loan processing
• Revolving or term loan based
• For expansion, equipment, warehousing, working capital

A loan designed for salaried professionals with fixed monthly income and good social standing.

• For doctors, engineers, CAs, lawyers, salaried staff
• Competitive interest rate per market
• Installment payment on EMI basis
• Helps cover liquidity needs without dipping into savings

A loan extended against fine gold and gold ornaments with quick processing.

• Financing up to NPR 10 million per individual
• Instant processing
• 1% insurance charge at settlement (gold market value)
• Eligibility: Nepali citizen
• Available at Head Office and 9+ branches

SKDBL debit card for ATM and electronic transactions linked to the customer's account.

The bank's mobile banking app to manage accounts and transact from a mobile device.

• Account information enquiry
• Biometric login
• Mini statement
• Fund transfer
• Mobile topup and eSewa load
• Fonepay transfer
• Notification alerts

SMS-based banking service for account information and alerts.

System to instantly and securely transfer funds from your account to an account at another bank via the internet.

• Inter-bank account-to-account fund transfer
• Internet-based, instant and secure
• Settlement via Nepal Rastra Bank accounts

A system to transfer funds between accounts held at participating member banks and financial institutions.

• Transfer funds across participating member banks
• Safe and efficient account-to-account transfers

Image-based MICR cheque processing and settlement between participating member banks.

• Image-based MICR cheque processing
• Paper cheque converted to image for clearing
• Cost-effective settlement between member banks

An interoperable national QR payment scheme (by NCHL under NRB NepalQR standards) for receiving merchant payments.

• Interoperable national QR scheme
• Built on NRB NepalQR standards via NCHL
• Merchant payment acceptance
• Dynamic QR enrollment via [email protected]

Electronic machine for self-service financial transactions without a teller.

• Self-service financial transactions
• No human teller required

Centralized ASBA facility for online CRN registration to apply for share issues.

• Online CRN number registration
• Available from all branches

Service to load funds into a digital wallet from the bank account.

Safe deposit lockers of various sizes for storing valuables securely.

• Lockers in different sizes at reasonable rates
• Controlled access with high privacy
• Requires photo & citizenship of each operator
• Nominee photograph required
• Not available to minors