11th July 2025, Kathmandu

Garima Bikas Bank offers various savings account options for individuals seeking secure and interest-earning deposits. Customers can choose from General, Sajilo, Dampati, or Super Savings Accounts based on their needs.

Garima Bikas Bank Savings Accounts

These accounts support digital banking services like mobile and internet banking. Customers also enjoy free ABBS, debit card facilities, and easy access to services like C-ASBA and ConnectIPS. Interest is calculated regularly and credited quarterly. The bank aims to promote smart savings habits while offering convenience and flexibility. With simple requirements and reliable service, Garima Bank’s savings accounts are ideal for personal money management across Nepal.

Bal Bachat Saving Account

Garima Bikas Bank provides the Bal Bachat Saving Account, also known as Bal Bachat Khata, a special savings scheme designed for children under 18 years. This account allows parents to regularly deposit funds into their children’s accounts. The aim is to build a financial resource to support the child’s future needs.

This account encourages children to develop a saving habit from an early age. It also helps them learn the value of money and basic financial planning. As the account balance grows, it becomes a practical tool to guide children in managing their finances wisely.

Parents can use Bal Bachat Khata to save for important expenses such as education, personal goals, and other essential costs. By saving in advance, they ensure their children face fewer financial obstacles while pursuing their dreams.

Key Features

Garima Bikas Bank’s Bal Bachat Khata offers several convenient services:

Free ABBS facility, subject to management revision

Free cheque book

Free account statements for easy tracking

Access to C-ASBA facility for smooth share application

SMS, mobile, and web banking for 24/7 account management

Connect IPS facility for secure and quick fund transfers

Debit card for ATM withdrawals and POS payments, enhancing convenience

These features make Bal Bachat Khata a secure and easy way for parents to save and prepare for their children’s future financial needs.

Garima Nari Saving Account

Garima Bikas Bank offers the Garima Nari Saving Account, specially designed to address the financial needs of women customers. This account provides a wide range of banking solutions tailored to meet women’s financial, investment, and lifestyle requirements.

At Garima Bikas Bank, empowering women to take control of their finances is a priority. The Garima Nari Saving Account creates a safe and supportive space where women can confidently manage their money and achieve their personal goals.

Key Features

The Garima Nari Saving Account comes with several valuable facilities:

Free ABBS facility

Free cheque book

One-time free account statement

Access to C-ASBA facility for easy share applications

Locker facility for secure storage

SMS, mobile, and web banking for convenient access

Connect IPS facility for fast and secure fund transfers

Debit card for ATM withdrawals and POS payments

This account is designed to offer women greater financial freedom and convenience, helping them lead empowered lives.

Foreign Employment IPO Saving Account

Garima Bikas Bank provides the Foreign Employment IPO Saving Account, created in line with the sixth amendment of the Dhitopatra Niskasan Tatha Baadfaad Directives 2079, issued by the Securities Board of Nepal on 2079-07-17. According to this directive, public organizations must reserve 10% of their Initial Public Offering (IPO) shares for Nepalese citizens working abroad.

This account is specifically designed for Nepalese working overseas with official employment approval from the concerned government authority.

Account holders must maintain a minimum balance of NPR 50,000 within the first six months of opening the account. This amount is exclusively reserved for IPO applications and cannot be withdrawn until the account is permanently closed.

Eligibility Criteria

Individuals aged 18 or above

Nepalese citizens currently abroad for foreign employment

Must have remitted NPR 50,000 or more from their employment country within the last six months to qualify for IPO application

Required Documents

Visa copy or temporary residence permit

Foreign employment permission letter

Additional documents as per the bank’s operational manual, AML & CFT policies, and NRB directives

Key Features

Free ABBS facility (subject to management revision)

Free cheque book

Free account statement

Free DEMAT account valid for one year

Access to C-ASBA facility for easy IPO applications

SMS, mobile, and internet banking access

Connect IPS facility for fast and secure transfers

Debit card for ATM withdrawals and POS transactions

This account offers a secure and convenient way for Nepalese working abroad to invest in IPOs and manage their finances effectively.

Senior Citizens Saving Account

The Senior Citizens Saving Account is a dedicated savings account designed specifically for individuals aged 60 years and above. This account offers senior citizens an excellent opportunity to earn higher returns on their savings while keeping their funds secure.

Besides attractive interest rates, the account provides exclusive benefits catering to the unique needs of senior customers. These include preferential services such as personalized assistance and priority banking. The aim is to make banking easy, convenient, and hassle-free for senior citizens.

Key Features

The Senior Citizens Saving Account comes with several valuable facilities:

Free ABBS facility, subject to management revision

Free cheque book

Free account statement for easy tracking

Access to C-ASBA facility for smooth share applications

SMS, mobile, and web banking for convenient account management

Connect IPS facility for quick and secure fund transfers

Debit card for ATM withdrawals and POS transactions

This account combines security, convenience, and rewarding benefits tailored specifically for senior citizens.

Garima 5-in-1 Bachat Khata

Garima 5-in-1 Bachat Khata is a flexible savings account designed to offer customers maximum convenience and multiple benefits in one package. This account simplifies banking by handling the opening of several linked accounts on behalf of customers.

With this account, Garima Bikas Bank manages the setup of DEMAT, Mero Share, TMS accounts, and C-ASBA registration. This saves customers from the hassle of completing multiple processes, providing a seamless and efficient banking experience.

Benefits and Features
The account offers several free services for the first year, including:

Mobile banking

Web banking

Debit card

Bundle Account Includes:
Free Saving Account

Free DEMAT Account

Free Mero Share Account

Free TMS Account

Free C-ASBA Facility

Garima 5-in-1 Bachat Khata is ideal for customers seeking an all-in-one solution for their banking and investment needs.

Conclusion

Garima Bikas Bank offers a wide range of savings accounts designed to meet the diverse needs of its customers. From children and women to senior citizens and Nepalese working abroad, each account provides tailored benefits and services to support their financial goals. The bank integrates convenient digital banking features such as mobile and internet banking, ABBS, C-ASBA, and Connect IPS, ensuring easy and secure transactions.

Specialized products like Bal Bachat Khata, Garima Nari Saving Account, and Foreign Employment IPO Saving Account promote financial empowerment and inclusion. The Garima 5-in-1 Bachat Khata further simplifies banking by bundling multiple services into one package.

With competitive interest rates, personalized support, and innovative solutions, Garima Bikas Bank helps customers build strong saving habits and achieve financial security with ease and confidence.

For more:- Garima Bikas Bank Savings Accounts