This Product Paper states and defines process/procedures relating to Lumbini Sahaytra Bachat. This product has been designed to encourage for individual depositors. This helps bank to enhance Individual Deposits by offering attractive and competitive interest with additional facilities.

Type of Deposit

Savings Deposit

Purpose of the Deposit

  • Enhances the saving habit of customers.
  • Increases Cross-Selling opportunities.
  • Increases total deposit mix of the bank.
  • To reduce concentration on corporate and call deposit (comparatively volatile in nature)

Eligibility/Target Group

  • Individual Deposit
  • High yield seeking deposit customers


  • Minimum Balance to be maintained : NPR.10,000/-
  • Interest Rate: Interest on daily balance payable monthly. The rate will be decided by the Board of Directors of the bank. However, the rate of interest is subject to change depending on the market (Click Here).
  • Tax on interest shall be levied as per prevailing Income Tax Act.


  • Free ABBS Facility
  • Free On demand account statement free On demand account statement
  • Free Cheque Book
  • Free Mobile Banking facility
  • Free internet banking facility.
  • Free Visa Debit Card.
  • 50%discount on locker service facility and renewal charges waived off for the first year of availing locker service.
  • Accidental Insurace(5 Lakh)/Medical Insurance(1 Lakh)/OPD(20 thousand) facility. 


  • As per Operation Manual/KYC& AML Policy/ NRB Directives.
  • Other legal documents-citizen certificate, 2pieces of passport size photographs.

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