Kamana Sewa Bikas Bank: A Diverse Portfolio of Accounts for Every Financial Need

5th August 2025, Kathmandu

Kamana Sewa Bikas Bank (KSBBL) has meticulously crafted a wide array of banking products to cater to the unique and evolving financial needs of different segments of society.

Kamana Sewa Deposit Accounts

From individuals and students to corporations and Nepalese citizens working abroad, the bank offers a thoughtfully designed product for every customer. This detailed overview categorizes and explains the various account types, highlighting their specific features and benefits to help you find the perfect banking solution.

1. Personal Savings Accounts: For Individual Financial Growth

KSBBL offers a selection of personal savings accounts that provide individuals with a safe, secure, and interestearning platform for their daily financial management and longterm savings goals.

• KS Insta Savings Account: This is a revolutionary online savings account designed for the digitally savvy customer. It allows for account opening with no branch visit required, making it a simple, paperless, and time-efficient option. With a zero minimum balance and an annual transaction limit of NPR 100,000, it is an ideal entry point into banking. The account can be upgraded to a full-service account with a visit to a branch.
• Kamana Sewa Pragati Bachat Khata (Gold): This rebranded and enhanced savings account combines the best features of several former products. It requires a minimum balance of NPR 1,000 and provides a host of privileges, including a 100% discount on KS iMobile and Debit Card fees for the first year. It also offers a significant 50% discount on the annual locker fee and a 25% waiver on the security deposit, making it a valuepacked option for a premium banking experience.
• Kamana Sewa Pragati Bachat Khata (Platinum): This is the top-tier version of the Pragati Bachat Khata, offering additional, exclusive benefits. With a minimum balance of NPR 5,000, customers receive a free Debit Card, locker service, and KS iMobile for the first year. The most notable feature is the complimentary insurance coverage, which includes medical coverage up to NPR 100,000 and accidental coverage up to NPR 700,000, providing an added layer of financial security.
• Kholau Bank Khata Abhiyan Saving Account: As part of a special campaign to promote financial inclusion, this account is targeted at individuals who have no prior bank accounts. It requires a minimal opening balance of just NPR 100, which is deposited by the bank itself, making it an accessible option for the unbanked population.
• Sabal Nari Bachat Khata: This product is specifically designed to empower women, including working professionals and housewives. With a low minimum balance of NPR 500, the account provides special benefits such as a free locker facility for the first year and a discounted security deposit, fostering financial independence and security for women.

2. Youth and Children Accounts: Nurturing Financial Discipline

Kamana Sewa Bikas Bank is committed to fostering financial literacy from a young age with products tailored for students and children.

• Student Saving Account: This account is perfect for students in schools and colleges. With a minimal opening balance of just NPR 100, it provides a free Debit Card for the first year. This account is an excellent tool for students to manage their finances responsibly, with simple documentation requirements including a student ID or a letter from their school/college.
• Bal Bachat Khata (Child Saving Account): Designed for minors under the age of 18, this account allows parents and guardians to save for their children’s future. It also has a low minimum balance of NPR 100 and is operated by the guardian until the child becomes a major, at which point the account can be converted.

3. Accounts for Foreign-Employed Nepali Citizens

Recognizing the unique needs of Nepali citizens working abroad, KSBBL offers a specialized savings account designed to facilitate their financial needs back home.

• Foreign Employment Saving Account: This account is a gateway for Nepali workers abroad to securely save their earnings and participate in Nepal’s capital market. With a minimum balance of NPR 1,000, it offers a suite of features including free DEMAT, Mero Share, and CASBA registration, which are essential for investing in IPOs. The account can be funded through remittance services or direct deposits, providing a seamless link between a worker’s earnings and their investments in Nepal.

4. Corporate & Institutional Accounts: Solutions for Business Growth

For businesses and organizations, KSBBL provides a range of accounts that offer the flexibility and efficiency needed for managing high-volume transactions and optimizing liquidity.

• Corporate Current Account: This is a flexible and efficient solution for the daily transactions of firms and companies. It has a minimum balance requirement of just NPR 1,000 and offers perks such as free ABBS (Any Branch Banking System) charges and complimentary statements and balance certificates.
• Corporate Call Account: This account is ideal for businesses that require high liquidity and wish to earn returns on their on-demand funds. It operates with a zero minimum balance and offers an interest rate of up to 50% of the bank’s lowest savings rate, as per Nepal Rastra Bank regulations.
• Institutional Fixed Deposit: This product is designed for organizations with idle funds they wish to invest for a fixed period to earn a guaranteed return. With a minimum deposit of NPR 50,000 and a flexible tenure starting from six months, interest can be paid monthly, quarterly, or at maturity, offering a secure and profitable investment option.

In conclusion, Kamana Sewa Bikas Bank has strategically developed a comprehensive portfolio of accounts to serve a diverse client base. Whether you are a student just starting your financial journey, a foreign-employee citizen looking to invest back home, or a business seeking efficient transactional solutions, KSBBL has a thoughtfully designed product to meet your needs and help you achieve your financial goals.

For More: Kamana Sewa Deposit Accounts