NIMB Remittance Services and Investment Opportunities in the Fiscal Year 2082/83

30th January 2026, Kathmandu

Nepal Investment Mega Bank Limited, also known as NIMB, has continued to strengthen its position in the international remittance sector by expanding its strategic partnerships and digital service offerings. For the second quarter of the fiscal year 2082 2083, the bank has prioritized its Prithvi Remit network to offer seamless fund transfers for the Nepali diaspora.

NIMB Remittance Services

One of the key collaborations featured this season is with Aussie Forex and Finance in Australia, which allows Nepalese residents in Australia to send money home with competitive exchange rates and a simplified transfer fee structure. This partnership is designed to make the process of sending hard earned money back to Nepal as efficient and secure as possible for students and professionals living abroad.

Premium Returns for Japan Remitters

A standout feature in the current NIMB remittance portfolio is the specialized offering for funds sent from Japan. To encourage the use of formal banking channels for inward remittance, the bank provides a one percent interest rate premium on fixed deposits opened using funds remitted from Japan. This means that if a customer opts for the Remittance Fixed Deposit, they receive a higher return compared to standard individual fixed deposit rates. For instance, according to the interest rates effective from Magh 2082, while a standard one year individual fixed deposit might offer a specific base rate, the Remittance Fixed Deposit account can provide up to 6.00 percent or even 7.50 percent depending on the tenure, ensuring that migrant workers maximize the yield on their savings.

Investment Facilities: Remittance IPO and SIP

In addition to traditional savings, Nepal Investment Mega Bank is actively promoting capital market participation among migrant workers. Following the directives from Nepal Rastra Bank and the Securities Board of Nepal, the bank facilitates the opening of Demat accounts specifically tailored for remitters. This allows Nepali citizens working abroad to apply for the ten percent reserved quota in Initial Public Offerings, commonly referred to as the Remittance IPO. This reserved quota significantly increases the chances of share allotment for those working outside the country, providing them with an excellent opportunity to build wealth through the Nepalese stock market.

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Furthermore, the bank has integrated Systematic Investment Plan, or SIP, options within its remittance savings accounts. Through SIP, customers can invest a fixed amount regularly into mutual funds managed by the bank’s subsidiary, NIMB Ace Capital. This disciplined investment approach is ideal for migrant workers who wish to invest small portions of their monthly income for long term goals. By linking their Prithvi Remittance account with an SIP, the process of investing becomes automated and hassle free, allowing for steady capital appreciation over time.

Comprehensive Digital Banking Ecosystem

The bank’s digital transformation is centered around the NIMB MoBank app and the Prithvi Remit portal. These platforms enable customers to track their remittance status in real time and manage their investments from anywhere in the world. The bank has also streamlined the process of opening Janani Janmabhumi Dual Savings Accounts, which are designed to cater to both local and foreign currency needs of the diaspora. With a presence in all 77 districts of Nepal and over 350 branches, NIMB ensures that the families of migrant workers can easily access the remitted funds through any of their service points or a vast network of payout agents.

Commitment to Financial Inclusion

Nepal Investment Mega Bank’s efforts in the 2082/83 fiscal year reflect a deep commitment to financial inclusion and the promotion of formal remittance channels. By offering extra returns on fixed deposits and specialized investment avenues like the Remittance IPO and SIP, the bank is not just a conduit for money transfer but a partner in the financial growth of the Nepalese diaspora. Whether you are sending money from Sydney through Aussie Forex or from Tokyo through various remittance partners, NIMB provides a secure, rewarding, and comprehensive banking experience that supports the economic development of Nepal.

In conclusion, the second quarter results and service updates from NIMB highlight a bank that is well tuned to the needs of its international clientele. The combination of high interest rates on remittance deposits and easy access to capital market investments makes Nepal Investment Mega Bank a preferred choice for millions of Nepalis living overseas. As the fiscal year progresses, the bank is expected to further enhance its digital features to ensure that banking for migrant workers remains as simple as a few taps on their smartphones.

For More: NIMB Remittance Services