Message from Chief Executive Officer

Garima Namaskar,

Welcome to the official webpage of Garima Bikas Bank Limited. From here, you can access all our information, facilities and digital services.

First of all, I would like to express my sincere gratitude to the all stakeholders, customers, shareholders, regulatory bodies and the employees of Garima Bikas Bank Limited for their contribution in making our bank as one of the best national level development bank of Nepal.

As we have very clear vision, i.e. 'Access to All', we are equally focused on providing qualitative banking facilities to all customers with the equal respect. As a result, our bank has consistently posted healthy growth in the balance sheet each year and will continue to do so further.

Thank You!!!

Mr. Govinda Prasad Dhakal

S.N.	Account Name	Min. Balance	Interest Rate
1	Current Account*	5,000	0
2	Margin Account- Guarantee	N/A	0
3	Corporate Call	5,000	Up to 3.30%
4	Financial Institution Call	5,000	Up to 3.30%
5	Personal Saving	100	6.60%
6	Anibarya Saving	-	6.60%
7	Bhabisya Surakchhit	100	6.60%
8	Bal Bachat Saving Account	100	6.60%
9	Senior Citizen Saving A/C	100	6.60%
10	Home Employee Saving	-	6.60%
11	Garima Nari Saving	100	6.60%
12	Janakalyan Bachant Khata	-	6.60%
13	Mero Share Bachat Khata	500	8.60%
14	Super Saving	5,000	6.60%
15	Remittance Saving Account	100	6.60%
16	Staff Saving	-	6.60%
17	General Savings Account	500	6.60%
18	Public Saving	100	6.60%
19	Social Development Account	100	6.60%
20	Garima Shuva Lava Saving Acount	10,000	6.80%
21	Garima Dampati Saving Account	10,000	6.80%
22	Garima Sajilo Savings Account**	100	6.60%
23	Foreign Remittance Saving Account**	1000	9.60%
24	Sahara Bachat Khata	100	6.60%
25	Sworojgar Bachat Khata	500	6.60%
26	Foreign Employment IPO Account	1000	9.60%
27	Garima PMS Account	-	8.60%

Category	Account Name	Tenure	Interest Payment	Rate
Individual	Fixed Deposit	Below 1 Year	Monthly/Quarterly/Maturity	11.50%
Fixed Deposit	1 Year and Above	Monthly/Quarterly/Maturity	11.60%
Foreign Remittance FD Account**	Below 1 Year	Monthly/Quarterly/Maturity	12.50%
Foreign Remittance FD Account**	1 Year and Above	Monthly/Quarterly/Maturity	12.60%
Sunaulo Bhabisya Baal Nikcchep	-	Quarterly	11.60%
Recuring Fixed Deposit	-	Quarterly	11.60%
Garima Swornim Nikcchep yojana		Quarterly	11.60%
Institutions	Fixed Deposit	Below 1 Year	Monthly/Quarterly/Maturity	9.50%
Fixed Deposit	1 Year and Above	Monthly/Quarterly/Maturity	9.60%

Bridge Gap Loan

A bridge gap loan is a short-term loan used until a person or company secures permanent financing of removes an existing obligation. This type of financing allows the user to meet current obligations by providing immediate cash flow. The loans are short term, up to one year and are usually backed by some form of collateral such as real estate or inventory.

Major highlights:

Loan Limit	The minimum loan amount to be NPR 0.3 Million and maximum up to Single Obligor Limit
Loan Tenure	The maximum tenure of the loan shall be 10 years.
Repayment	Interest and installment can be paid on EMI basis for SME loans.
Eligibility	This loan may be granted to already established firms/ Partnership firms/ company/ institutions or to new established firms /company /institutions or production manufacturing units.
Basic Documents	The applicant should provide at least the following documents before initiation of the credit proposal. Completed application form of the bank. Firm/Partnership/Company Registration paper. PAN copy Latest tax clearance receipt Article of Associations/Memorandum of Associations (In the case of companies) Board minutes regarding loan amount /Authorize signatory for operation of account Details of the guarantors Copy of citizenship of Proprietor/Partner/Shareholders and the guarantors Last two years audited financials & Three Years projection Title deed of the related parties. Building construction permission from competent authority along with the drawing from engineer /architect and completion certificate in case of outright purchase of land and building Payment receipt of latest land revenue Four boundaries certificate of the proposed collateral security Blueprint of land Trace map of land Other related documents as necessary

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