Basis

Silver

Gold

Diamond

Target Group

Senior citizens of 55 years and above.

Minimum Balance  (In Rs.)

1,000 

25,000

50,000 

Interest Rate

6.5%     p.a.

6.5%     p.a.

6.5%     p.a.

Debit Card (Waiver for 1st Year)

100%

100%

100%

Internet Banking (Waiver for 1st Year)

100%

100%

100%

Mobile Banking (Waiver for 1st Year)

100%

100%

100%

International Dollar Card

50% waiver on issuance fee one time only

100% waiver on issuance fee one time only

100% Waiver on issuance fee one time only

Accidental Insurance

Coverage of Rs. 10 lakhs for Accountholder 

Coverage of Rs. 10 lakhs for Accountholder 

Coverage of Rs. 10 lakhs for Accountholder 

Critical Illness

Coverage of Rs. 2 lakhs for Accountholder 

Coverage of Rs. 10 lakhs for Accountholder 

Coverage of Rs. 10 lakhs for Accountholder 

Medical Insurance

Coverage of Rs. 50,000 for Accountholder (Hospitalization case only)

Coverage of Rs. 1 Lakhs for Accountholder (OPD upto Rs. 20,000 and Hospitalization treatment upto Rs. 80,000)

Coverage of Rs. 1 Lakhs for Accountholder (OPD upto Rs. 20,000 and Hospitalization treatment upto Rs. 80,000)

Sweep In/Sweep Out facility

NA

NA

Interest rate:9.75% p.a

 

Pre-maturity Charges: 2% i.e. effective 7.75% 

ABBS 

Up to Rs. 200K per day

Up to Rs. 500K per day

Free

Locker Margin

25% waiver

50% waiver

100% waiver

Locker Annual Rent

25% discount for first year

50% discount for first year

100% discount for first year

Online Account Opening Facility

Available (Minimum balance to maintain to be eligible for all freebies and insurance benefit)

Available (Minimum balance to maintain to be eligible for all freebies and insurance benefit)

Available (Minimum balance to maintain to be eligible for all freebies and insurance benefit)

Dffl;s lgIf]k vftf opening facility

Customer can instruct to open Dffl;s lgIf]k vftf as per their wish with this account.

Customer can instruct to open Dffl;s lgIf]k vftf as per their wish with this account.

Customer can instruct to open Dffl;s lgIf]k vftf as per their wish with this account.

Higher Interest Rate on Fixed Deposit

Additional 0.5% on published interest rate of Fixed Deposit

Additional 0.5% on published interest rate of Fixed Deposit

Additional 0.5% on published interest rate of Fixed Deposit

DEMAT Account

Free for 1st year

Free for 1st year

Free for 1st year

ATM Withdrawal Charges / Balance Inquiry 

Free from All ATMs in Nepal (On us and Off Us)

Free from All ATMs in Nepal (On us and Off Us)

Free from All ATMs in Nepal (On us and Off Us)

FCY Premium Rebate (limited to USD, GBP, EUR, CAD and AUD only)

5 Paisa

10 Paisa

15 Paisa

Inward IPS transfer charge reimbursement facility for online customer

Available (as per actual basis subject to transfer of NPR 1000 and above)

Available (as per actual basis subject to transfer of NPR 1000 and above)

Available (as per actual basis subject to transfer of NPR 1000 and above)

E-commerce activation 

Free

Free

Free

Discount on Loan Processing Fee (Retail Loans)

As per     STC

Up to 25 basis point

Flat 25 basis point

Loan Against Pension Income Facility

Available

Available

Available

Pre- maturity of Fixed Deposit

As per STC

As per STC

Charge for prematurity waived subject to fulfilment of;

-Pre matured of Fixed Deposit allowed if the period has crossed 50% of the total duration. 

Home Banking Facility

Withdrawal/Deposit maximum 2 times per month for account holders maintaining closing balance of Rs. 1 million and above on previous working day.

Withdrawal/Deposit maximum 3 times per month for account holders maintaining closing balance of Rs. 1 million and above on previous working day.

Withdrawal/Deposit maximum 5 times per month for account holders maintaining closing balance of Rs. 1 million and above on previous working day.

Relationship Manager 

NA

NA

Assigned Separate RM who shall take care of customer.

Scheme transfer charge to this scheme

Free (For one time only)

Free (For one time only)

Free (For one time only)

Conversion of Saving Deposit into Fixed Deposit of NPR 50,000 and above (in round figures of thousands) as per customer's instruction via IVR/Mobile Banking

Available

Available

Available

Privileged Card

NA

NA

Available

Privileged Service

Privileged service by maintaining separate sitting space for senior citizen where executive prominently provides service by coming at their desk

Privileged service by maintaining separate sitting space for senior citizen where executive prominently provides service by coming at their desk

Privileged service by maintaining separate sitting space for senior citizen where executive prominently provides service by coming at their desk