Muktinath Bank’s Premium Savings Options: Sarvotkrishta and Ashirwad (Gold) Bachat Khata

12th November 2025, Kathmandu

Muktinath Bikas Bank is strategically positioning itself as a customer-centric financial institution by offering a suite of premium savings products tailored to meet the evolving needs of the modern saver.

Muktinath Bank’s Premium Savings

The bank’s two primary premium offerings, the Muktinath Sarvotkrishta Bachat Khata and the Muktinath Ashirwad Bachat Khata (GOLD), stand out for their blend of rewarding interest rates, high-value free services, and digital convenience. These accounts are designed not just for saving, but for building a comprehensive and flexible banking experience.

The core philosophy behind these accounts is to ensure that customers’ savings are not only secure but are actively working for them. This is achieved by linking the traditional benefit of a savings account with essential, modern banking facilities offered free of charge, thereby maximizing the effective return for the customer. As a financial institution committed to accessibility and innovation, Muktinath Bikas Bank uses these accounts to cater to a broad spectrum of the Nepali populace, from the diligent, everyday saver to the high-net-worth individual or business professional.

Muktinath Sarvotkrishta Bachat Khata: The Feature-Rich Choice

The Muktinath Sarvotkrishta Bachat Khata is presented as a premium savings account that strikes an excellent balance between accessibility and exclusive benefits. It is geared towards individuals who require a robust, feature-rich account without the highest minimum balance requirements.

A primary differentiator for this account is its competitive interest rate, which is a major factor for any saver. Based on the bank’s recent financial disclosures, the Sarvotkrishta Bachat Khata offers an interest rate of approximately 3.50 percent per annum. Crucially, this interest is paid on a monthly basis. This monthly interest payout is a significant advantage, allowing savers to benefit from compounding interest more frequently than the standard quarterly payout, making their money grow faster.

Key account features include a manageable minimum balance requirement of NPR 10,000, which sets it apart as an accessible premium tier. Customers benefit from the convenience of Any Branch Banking Service, which is essential for a bank with a wide national network. Further adding value are the free services, which substantially reduce recurring banking costs. These include a free Cheque Book, and a free Mobile Banking service for the first year, providing cost-effective access to 24/7 digital transactions and account monitoring. The inclusion of a VISA Debit Card and Internet Banking (also free) ensures that customers are fully equipped for both physical and digital transactions. To open the account, customers simply need a PP-sized photograph and a copy of their citizenship certificate. This ease of account opening and range of benefits make it an ideal choice for the growing demographic seeking digital-first banking solutions.

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Muktinath Ashirwad Bachat Khata (GOLD): The Ultimate Premium Experience

Positioned as the bank’s top-tier offering, the Muktinath Ashirwad Bachat Khata (GOLD) is designed for the discerning customer who seeks the highest level of privileges and benefits. This account is tailored for professionals, entrepreneurs, and high-value savers who desire comfort, superior financial growth, and exclusive services.

The Ashirwad (GOLD) Khata provides an even more attractive return on savings. Recent data suggests this account offers an interest rate of around 4.00 percent per annum, which is noticeably higher than the Sarvotkrishta account. While the interest payment is on a quarterly basis, the significantly higher interest rate makes it exceptionally rewarding for customers who maintain the required higher balance.

The minimum balance for the Ashirwad (GOLD) account is set at NPR 50,000, a clear step up that is reflective of its premium status. Beyond the higher interest earnings, the account extends superior value through its exclusive facilities. It includes the standard premium benefits such as free Any Branch Banking, a free Cheque Book, and free Mobile and Internet Banking for the first year. The key differentiating benefit that truly elevates the Ashirwad (GOLD) account is the Locker Facility, with no deposit charge required. This is a premium privilege highly valued by customers with significant assets, offering an added layer of security and convenience that distinguishes it from the Sarvotkrishta Khata. For the business owner or high-earning professional, the Ashirwad (GOLD) account provides the perfect financial platform, ensuring their wealth is both growing at an accelerated rate and protected with top-level services.

Conclusion: Tailored Banking for Financial Empowerment

Muktinath Bikas Bank’s approach with the Sarvotkrishta and Ashirwad (GOLD) accounts demonstrates a deep understanding of its customer base. The Sarvotkrishta Khata offers premium features at a lower entry point, catering to those who prioritize monthly interest and moderate minimum balance. In contrast, the Ashirwad (GOLD) Khata is the definitive choice for high-value savers who want the highest possible interest rate and exclusive, high-security facilities like the waived locker deposit fee.

Both accounts provide a unified experience of digital convenience, ensuring that regardless of the chosen tier, the customer has seamless access to their funds and modern banking tools. By offering these two distinct yet complementary products, Muktinath Bikas Bank successfully provides tailored banking solutions that align with different financial goals, reinforcing its commitment to innovation, accessibility, and trust across all segments of its clientele in Nepal. The bank is certainly making sure that premium banking does not mean compromising on accessibility or flexibility.

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