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%

Hire Purchase Loan

This Hire Purchase Loan is designed to finance the purchase of public/commercial vehicles for business purpose having sufficient income sources. The loan is availed to individuals or registered firms.

Major highlights:

Loan Limit	NPR 0.3 Million – up to Single Obligator Limit (SOL)
Loan Tenure	New Public vehicle: The maximum time period is 8 years Old public vehicle: The manufacturing year of the vehicle is to be taken as 1 year and subsequent time period of loan is taken accordingly.
Repayment	Loan is to be repaid on Equated Monthly Installment (EMI) basis.
Financing	The total financing should not exceed 75% of the total purchase cost in the case of purchase of New Vehicle. In case of Second Hand Vehicle, financing should not exceed 70% of total valuated price. (For the purchase of second hand vehicles, price of the vehicle must be valuated/certified by the authorized valuators of Garima Bikas Bank Ltd.)
Eligibility	Other firms and individuals having proposed vehicle income or alternative source of income.
Basic Document	The applicant should provide at the following documents. Completed loan application form of the bank. Completed know your Customer (KYC) form. Map of the applicant's residence Details of guarantors. Copy of citizenship/passport of the applicant and guarantor. Passport size photograph of the borrower and guarantor Firm/Partnership/Company/Institution registration documents. PAN / VAT Registration Latest tax clearance certificate/ tax payment Vouchers 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 Reports.

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