Introduction

Garima Bikas Bank Ltd. was established by a group of enthusiastic, dedicated and successful professionals and entrepreneurs from different fields including business, teaching, engineering, doctors, banking, accounting, management etc. We are multicultural, multilingual members of our communities. Our rich diversity is our strength.

Garima Bikas Bank employees are approachable, personable and knowledgeable. We encompass an ever expanding range of business expertise and personal experience. We have a long history and our ability to adapt and grow has enabled us to respond to changing markets, explore new technologies, and engage new communities. Throughout each change, our unwavering commitment to customer service has been our guiding principle.

Deliver wonderful banking service to its customers through state of the art technology.
Satisfy all the stakeholders with healthy and sustainable value creation.
To make our vision come true through professional integrity, corporate governance and regulating compliance

Our Journey

The bank was incorporated under Company Act on Shrawan 22, 2064 and acquired license from Nepal Rastra Bank to perform its financial transactions on Ashwin 24, 2064. The bank started its formal operations on Kartik 18, 2064 from Waling 3, Syangja. After the successful merger between Garima Bikas Bank Limited and the then Nilgiri Bikas Bank Limited, the bank upgraded to National Level on Ashadh 29, 2072.

Present Scenario

The bank is now operating 121 branches and 51 ATMs throughout the country strategically placed for the convenience of customers.

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

Vision, Mission & Objectives

We are committed to offer the best of services to customers and to be their first choice.. We have very clear vision, i.e. “Access to All”. We focus on equal access of all peoples who are real seeker of banking services.

Our Vision

"To be the leading development bank of Nepal by providing banking access to all".

Our Mission

To contribute the nation for the economic development, serve the customers by providing financial access and quality banking products and services, maximize the value of the shareholders' wealth, provide excellent growth opportunities to the employees and meet the expectations of other stakeholders.

Core Values

Integrity , Teamwork, Customer Oriented. Professionalism. Community focused.

Branch Inside Valley

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Branch Outside Valley

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ATM Inside Valley

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ATM Outside Valley

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Current and Saving Deposit Products

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%

Fixed Deposits

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%

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Loan Limit	NPR 0.15 Million to NPR 0.50 Million
Loan Tenure	The maximum tenure for settlement of loan shall be 10 years (including one year grace period).
Repayment	Loan is to be repaid on Equated Monthly Installment (EMI) basis.
Eligibility	The age limit of the student to be 18-35 years and maximum age of the supporting parent to be 70.
Basic Document	The applicant should provide at least the following documents before initiation of the credit proposal. Completed application form of the bank. Details of the offer from the education institution signifying secured admission to the student Map of the applicant's residence Details of the guarantors Copy of citizenship of applicant and the guarantors Income source documents Other related document as necessary Estimated fees from educational institution for prescribed period Certificates, worksheets of student

Introduction

Our Journey

Present Scenario

Message from Chief Executive Officer

Vision, Mission & Objectives

Branch Inside Valley

Branch Outside Valley

ATM Inside Valley

ATM Outside Valley

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