Secure and Convenient Online Financial Management with Muktinath Bikas Bank’s Internet Banking

16th November 2025, Kathmandu

Muktinath Bikas Bank Limited provides its customers with a robust Internet Banking platform, also widely known as net banking or direct banking.

Muktinath Bikas Bank’s Internet Banking

This service has fundamentally transformed the delivery of financial products, making transactions and services significantly faster, more convenient, and more cost-effective than traditional methods. The platform empowers customers to perform a comprehensive array of banking transactions directly through the bank’s secure online portal. Internet banking is a crucial part of the bank’s strategy to enhance digital accessibility and meet the evolving needs of its diverse clientele across Nepal.

Comprehensive Features and Services

Muktinath Bikas Bank’s internet banking platform offers both informational and financial services, ensuring customers have full digital control over their accounts and providing a modern, efficient way to manage their money.

Informational Services

Customers can easily access crucial data and transactional history to maintain a comprehensive overview of their financial position without needing to visit a branch:

• Account Information: Provides quick access to the current status and detailed summary of their linked accounts.
• Account Statement: Allows users to generate and view detailed account statements for tracking income and expenditure over specified periods.
• Financial Transaction History: Offers a complete record of all financial activities conducted through the account, aiding in financial tracking and reconciliation.

Financial and Payment Services

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The platform facilitates essential money movement and payments, allowing customers to manage their daily financial needs digitally and seamlessly:

• Fund Transfer: Provides the ability to perform Fund Transfers to any Muktinath Bank account, making inter-account management simple and immediate for the user.
• Merchant Payments: Enables convenient payment for goods and services at various online and physical merchants that accept digital bank transfers.
• Utility Bill Payments: Allows for the straightforward settlement of routine household bills, such as payments for electricity, water, and internet services, directly from the customer’s account.
• eSewa Services: Features seamless integration with eSewa, one of Nepal’s most popular digital wallet and payment gateway services, significantly expanding the range of top-up options and payments available to the customer.

Understanding Fund Transfer Limits

To ensure transactional security and adherence to regulatory guidelines, Muktinath Bikas Bank has established specific financial and volume limits for fund transfers within the internet banking platform.

• Per Transaction Limit: The maximum amount a customer can transfer in a single transaction is NPR 200,000.
• Per Day Limit: The cumulative total amount that can be transferred over a twenty-four-hour period is capped at NPR 2,000,000 (two million rupees).
• Daily Transaction Count: The system restricts the total number of fund transfer transactions per day to a maximum of 10.
• Per Month Limit: The maximum amount allowed for transfers within a calendar month is NPR 5,000,000 (five million rupees).

These limits are set to balance the convenience of digital banking with the essential requirement for enhanced security, helping to mitigate the risk associated with potential fraudulent or erroneous high-volume transactions.

Essential Security Tips for Safe Online Banking

The security of the internet banking experience is a shared responsibility between the bank and the customer. Muktinath Bikas Bank provides a detailed list of essential security tips that must be followed diligently to safeguard user accounts and credentials:

• Avoid Public/Shared Computers: Customers must never use public or shared computers (e.g., at cyber cafes or libraries) for accessing online banking to prevent key logging or unauthorized access by third parties.
• Confidentiality: It is crucial to never share your password with anyone, including individuals claiming to be bank staff, as the bank never asks for such details.
• Password Management: Users should change their password regularly and enforce the use of strong passwords. A secure password should include a combination of uppercase letters, numbers, and special characters, with a minimum length of at least eight characters.
• Login Protection: Utilize the virtual keyboard when available to enter login details, which helps prevent specialized spyware from capturing physical keystrokes. Furthermore, it is a critical practice to maintain different passwords for your login and transaction purposes.
• Browser Security: When conducting online banking, it is advisable to use the “private browsing” or “incognito” mode to prevent the browser from storing cookies and temporary files containing session information.
• Secure Exit: Always make it a habit to sign out of the banking portal and immediately close your browser completely after finishing an online banking session to prevent session hijacking.
• Phishing Awareness: Never respond to emails or messages requesting login credentials. Fraudsters rely on phishing attempts to trick users into divulging sensitive information.
• Verification: Always access the online banking portal by typing the full, correct URL (https://www.muktinathbank.com.np) into the browser’s address bar and verify the URL before logging in, watching out for subtle misspellings often used in deceptive sites.
• Immediate Reporting: Contact the bank immediately through official channels if you suspect that your account has been compromised or if you notice any suspicious, unauthorized activity.
• System Maintenance: Ensure that your computer’s operating system is updated with the latest security patches and that you have installed and updated reliable antivirus and anti-spyware software.

By consistently following these instructions and utilizing the secure, feature-rich platform, Muktinath Bikas Bank’s customers can perform their financial transactions efficiently while maintaining the highest level of personal security.

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