Best Salary Account Rates for Date in Nepal

Key Features

• Minimum Balance: Zero balance required
• Interest Rate: As per the bank’s published rate
• Interest Calculation: Daily calculation, payable quarterly
• Ksi Mobile, Debit Card, Demat & MeroShare: As per STC
• Locker Charges:
  • 50% discount for the first year
  • 25% discount from the second year onwards
• Locker Security Deposit: 25% waiver

Eligibility

• Employees and staff of registered organizations

Required Documents

• Standard KYC and account opening documents
• Proof of employment (valid ID or confirmation letter from the employer)

Additional Benefits

• Special benefits may be provided based on agreements between the bank and the organization
• Bulk account opening available with a staff name list, subject to document submission

This account ensures seamless salary management with exclusive perks for employees.

The Shubha Bachat account is a specialized payroll solution designed for employers and organizations to enhance the financial well-being of their employees. This account provides a comprehensive banking experience with exclusive benefits and digital services.

Rates & Features

• Interest Rate: 4.00% (paid quarterly)
• Free VISA Debit Card*
• Complete Green Banking Package (First year free)
• Mobile Banking with Viber Banking Services
• Internet Banking Subscription
• Email Solution
• DEMAT & Mero Share Account
• Insurance Benefits:
  • Medical Insurance: Up to NPR 100,000 per year*
    • OPD Facility: NPR 20,000
    • Hospitalization: NPR 80,000
  • Accidental Death/Disability Insurance: Up to NPR 500,000*
• Additional Perks:
  • Save NPR 250 on Travel Card Issuance
  • Free Cheque Book Issue
  • Any Branch Banking Services (ABBS)
  • ASBA/C-ASBA Service

Loan Facilities

Permanent/Confirmed Staff are eligible for**:**

• Pre-approved Credit Card Limit: Up to 1.5 times the Gross Salary or NPR 100,000, whichever is lower
• Personal Loan: Up to 6 times the Gross Salary or NPR 1,500,000, whichever is lower

Employer Benefits

• Overdraft Facility: Up to 1.5 times the payroll or NPR 1,000,000 (whichever is lower) for institutions with 6+ months of payroll relations
• Dedicated Relationship Managers for payroll services and employee loan assistance

Fees

• Complete Green Banking Package: NPR 299 p.a. or as per the Schedule of Service Charges (SSC)
• Other charges as per SSC

The Lumbini Talab Khata is a specialized Savings Deposit Account designed to facilitate salary payments for employees of government, non-government, and other organized sectors. This product encourages employees to develop a savings habit while offering attractive interest rates and additional banking benefits.

Type of Product

• Savings Deposit Account

Purpose of the Deposit

• Promote regular saving habits among employees of various organizations
• Expand the bank’s retail/savings deposit base
• Reduce dependence on corporate and call deposits
• Attract and accumulate sustainable deposits from employees
• Enable cross-selling of other banking products

This payroll-linked savings account provides a seamless and secure banking experience while ensuring long-term financial growth for employees.

he Mahalaxmi Karmachari Bachat Khata is a specialized Savings Account designed for corporate institutions to manage employee salaries efficiently through Mahalaxmi Bikas Bank. This product ensures seamless payroll processing while offering exclusive banking benefits.

Product Features

• Minimum Balance: NPR 100/-
• Interest Payment: Quarterly
• VISA Debit Card: Free for the First Year
• Mobile Banking: 50% Discount on Registration
• Interest Rate: As per Bank’s Published Rate

This payroll account provides a structured savings platform with added digital and financial benefits for employees.