19th August 2025, Kathmandu
Laxmi Sunrise Bank provides a comprehensive suite of savings and deposit accounts, each carefully crafted to serve different segments of the population with tailored features and benefits.
Laxmi Sunrise Deposit Accounts
The products range from special accounts for children and women to premium options for high-net-worth individuals and targeted solutions for migrant workers and senior citizens.
Specialized Savings Accounts for Specific Demographics
Laxmi Sunrise Bank’s portfolio includes several accounts designed for particular customer groups, each with unique features to meet their needs. The Sunaulo Bachat account is a fantastic initiative aimed at children under 18. It encourages early savings with a “piggy bank” gift and provides a 2.80% interest rate paid quarterly. To ensure a child’s well-being, the account comes with substantial insurance benefits, including medical insurance of NPR 100,000 per year (NPR 20,000 for OPD and NPR 80,000 for hospitalization) and accidental death/disability insurance of NPR 500,000.
For women, the Wonder Woman Savings account is designed to empower them financially. It offers a 2.80% interest rate and comprehensive insurance coverage, including medical insurance of NPR 100,000 per year and accidental and critical illness insurance of NPR 500,000. Similarly, the Special Care Savings account provides accessible banking for differently-abled customers with a 2.80% interest rate, free digital banking services for the first year, and a 50% discount on the VISA Debit Card for the first year, along with medical and accidental insurance.
Recognizing the crucial contribution of migrant workers to Nepal’s economy, the Mero Bhumi Bachat Khata is specifically for Nepalis working abroad. This account offers the highest interest rate among all savings accounts at 5.00%, with an additional 1% interest on term deposits opened from the account, maximizing returns on their hard-earned money. It also includes medical and accidental insurance, ensuring a safety net for them and their families back home.
Accounts for Professionals and Senior Citizens
For working professionals, the Shubha Bachat account serves as an excellent payroll solution. It provides a 3.00% quarterly interest rate, free digital services, and valuable loan facilities, including a credit card limit up to 1.5 times the gross salary and a personal loan of up to six times the gross salary. This account is designed to improve the financial well-being of employees by providing convenient access to credit and insurance benefits.
The Shakti Bachat account is a premium offering for serving and retired military and police personnel. It features a 3.00% interest rate and provides a suite of free services, including a VISA Debit Card, Mobile & Internet Banking, and Demat account services, along with medical and accidental insurance.
For senior citizens aged 50 and above, the Samman Bachat account is a dedicated product that values their experience and service. It offers a 2.80% interest rate and a unique no-queue counter service, ensuring a hassle-free banking experience, along with free digital banking and insurance coverage.
Premium and Recurring Deposit Accounts
Laxmi Sunrise Bank also offers several premium and specialized accounts for high-value customers and long-term savers. The Orange Savings Plus and Sampurna Bachat accounts are the bank’s flagship premium products, offering a high 4.00% quarterly interest rate. These accounts come with a wide range of complimentary services, including free digital banking, free VISA Debit Cards for the first year, and extensive insurance coverage of up to NPR 1,000,000 for medical and accidental incidents. The Orange Savings Plus account even includes a free safe deposit locker for the first year, highlighting its focus on catering to the needs of “high achievers.”
For customers who prefer a structured savings approach, the Recurring Deposit (RD) account is an excellent option. It allows for regular monthly deposits starting from just NPR 500 for a term of one to five years. The interest is calculated daily and paid at maturity, offering a higher return than a standard savings account. This product is ideal for individuals with a steady income who want to build a substantial corpus over time. The loan facility of up to 90% of the RD balance adds to its flexibility.
Foreign Currency and International Accounts
To serve the needs of Nepalese Non-Resident (NRNs) and others dealing with foreign currency, the bank offers USD & NRN Savings Accounts. The USD Savings account features competitive exchange rates and a free USD card. The NRN Savings account allows deposits in various foreign currencies, including USD, GBP, EUR, and AUD, with interest paid quarterly based on the deposited currency. This service is vital for NRNs who need a secure way to save their earnings in foreign currency with the flexibility of international banking.
In conclusion, Laxmi Sunrise Bank’s diverse range of savings and deposit products demonstrates a strategic approach to meet the unique financial needs of every demographic. By combining competitive interest rates, value-added services like insurance, and convenient digital banking, the bank provides a secure, rewarding, and user-friendly banking experience for all its customers.
For More: Laxmi Sunrise Deposit Accounts