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%

Business Term Loan

Business Short Term Loan is offered to customers for meeting day to day working capital requirements for funding current assets, overheads, administrative expenses etc. This facility can be provided in the form of overdraft, working capital or short-term loans. The maximum tenure of the loan shall be for 1 year and shall be subject to renewal as per client's requirement and satisfactory transaction record in the account in terms of repayment, turnover, etc.

The purpose of this facility is to finance the working capital requirement of the trading manufacturing and service units/industries. Working capital loans are granted in the form of Overdraft or Demand Loan or Short Term Loan. The working capital loan will help to build up inventories and receivable at a level required to run the business smoothly.

Business Term Loans facility will be provided in order to facilitate customers to establish manufacturing industries or production units as well as service businesses for financing the capital assets required for the business. Long Term Loans can be provided up to 15 years but the tenure can be extended as per the nature of the project.

Major highlights:

Loan Limit	The minimum loan amount to be NPR 10 Million and maximum up to single obligor limit.
Loan Tenure	The maximum tenure of the loan shall be one year subject to be renewed in case of overdraft loan whereas in the case of fixed term loan etc., the tenure of the loan shall be more than one year and up to 20 years per the nature of the project and the requirement of the customer.
Repayment	Interest can be paid either on monthly or quarterly basis in case of working capital nature loans and in case of fixed term loans principal and interest can paid on EMI basis.
Financing	Total Financing shall not exceed 70% the Project Cost. The project may be financed by the bank after the comprehensive study about the feasibility of the project duly tied up with the project insurance.
Eligibility	This loan may be granted to already established or newly established firm's/Partnership 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 loan application form of the bank. Firm/Partnership/Company/Institution registration documents. PAN copy Latest tax clearance certificate/ tax payment Vouchers VAT Returns for Last One Year Article of Associations/Memorandum of Associations (n case of companies), Partnership Deed (in case of Partnership)/ Other relevant documents 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 Basic documents like building completion certificate, in case the building has been taken as collateral Payment receipt of latest land revenue Four boundaries certificate of the proposed collateral security Blueprint of land Trace map of land Details of Stock, Receivable, Creditors for OD loan. Other related documents as necessary

Introduction

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Message from Chief Executive Officer

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