Shree Investment & Finance Co. Ltd

A basic savings account for routine personal and household banking needs.

• Interest 3% p.a.
• Minimum balance NPR 100
• Eligibility: Nepali or Indian citizens, 18+
• Minor accounts allowed under legal guardian
• Convenient deposit and withdrawal facilities

A higher-interest savings account for professionals and high-value customers.

• Interest 3.02%-3.5% p.a.
• Minimum balance NPR 10,000
• Priority customer service
• Higher rate than normal saving
• Flexible deposit and withdrawal facilities

A savings account promoting disciplined long-term saving.

• Interest 3.01%-3.5% p.a.
• Minimum balance NPR 5,000
• Encourages regular saving practices
• Suitable for salaried and self-employed
• Convenient deposit and withdrawal facilities

A savings account linked to social security and welfare benefits.

• Interest 3% p.a.
• Minimum balance NPR 100
• Access to social security and welfare benefits
• For senior citizens and retired individuals
• Eligibility: registered under social security schemes

A term deposit offering guaranteed returns over fixed tenures.

• 6 months: 3.65% p.a. (individual)
• 1 to below 2 years: 4.15% p.a.
• 2 years and above: 4.5% p.a.
• Institutional rates 3.25%-3.75% p.a.
• Remittance FD rate: FD rate + 1%
• Fixed deposit loan facility available
• Complimentary saving account
• Interest auto-credited to saving account

A scheme for regular monthly deposits toward systematic wealth creation.

• Interest 4.25% p.a.
• Tenure 24, 36, 42 or 72 months
• Encourages regular monthly deposits
• Guaranteed returns over selected tenure
• Transparent terms and conditions

A liquid account for businesses and individuals with frequent transactions.

• Interest 0.5%-1.5% p.a.
• Unlimited deposits and withdrawals
• No transaction limits
• For businesses, organizations and individuals
• Supports high-volume cash flow management

Flexible financing for salaried and self-employed individuals' personal needs.

• Loan NPR 100,000 to NPR 5,000,000
• For salaried or self-employed individuals
• Subject to income capacity and creditworthiness
• Collateral availability considered

Financing for firms and companies in agriculture and forest-based activities.

• Loan NPR 100,000 to NPR 40,000,000
• Above NPR 40,000,000 case-by-case
• Registered firm/company required
• Positive cash flow statement required
• Borrower must have agriculture/forestry experience

A loan financing higher education tuition and expenses in Nepal or abroad.

• Finances tuition and related expenses
• For study in Nepal or abroad
• Requires admission offer letter
• Based on academic merit and financial capacity

Financing to purchase land or construct residential/commercial buildings.

• Individuals: NPR 100,000 to NPR 20,000,000
• Firm/company: up to NPR 40,000,000
• Eligibility: individuals aged 18-70
• For land purchase and building construction
• Requires regular income or verifiable cash flow

Vehicle financing for personal or commercial use.

• EV personal use: up to 80% of quotation price
• Petrol/diesel personal: up to 50% of price
• Commercial: up to 65% of valuation
• Requires valid driving license (individuals)
• Positive cash flow statement required

Financing against listed shares for trading and portfolio investment.

• Ordinary shares: up to 70% of 180-day WAMP
• Promoter shares: up to 50%
• For firms, companies and individuals
• Requires valid PAN card
• Based on lower of WAMP or last traded price

Loans supporting priority and deprived sector economic activities.

• For priority and deprived sector borrowers
• Supports income-generating activities
• For individuals, firms and companies
• Aligned with regulatory guidelines

The finance company's mobile banking app for transactions and payments.

• Biometric security
• Account management and fund transfers
• Bill payments and mobile wallet top-up
• Personalized QR code
• Per-transaction limit NPR 25,000
• Daily limit NPR 25,000 (up to 10 transfers)
• Monthly limit NPR 250,000

An NCHL e-payment system for online fund transfers and payments.

• Online fund transfer
• Government payments
• Credit card bill payments
• Mobile wallet top-up
• Share broker payments

A QR-based digital payment acceptance service for merchants.

• Real-time digital cashless payments
• Payments received directly into bank account
• Web/mobile portal for transaction monitoring
• Refunds possible on transactions

Inter-bank cheque clearing and electronic payment settlement services.

• Electronic Cheque Clearing (NCHL-ECC, MICR)
• Cheques up to NPR 2 lakh free
• Above NPR 2 lakh: NPR 30 per cheque
• Express clearing NPR 100 per cheque
• IPS fees NPR 10-40 by amount tier
• ConnectRTGS for high-value transactions

An NCHL business payments platform for bulk and corporate transactions.

• Interbank and intra-bank fund transfers
• Bulk fund transfer
• Salary and vendor payments
• Government payments
• Account statements and transaction reports

Domestic and international remittance through partner money transfer agents.

• Western Union and IME Remit
• Himal Remit and Prabhu Remit
• eSewa Remit and Prithivi Remit
• City Express and Boom Remit
• Muktinath Remit
• Grievance handling and customer assistance