4th August 2025, Kathmandu
In a world increasingly focused on environmental responsibility, Nabil Bank has introduced a groundbreaking financial product that directly links personal savings to ecological stewardship.
Nabil Digo Bachat Khata
The Nabil Digo Bachat Khata, or Nabil Sustainable Savings Account, is a unique savings scheme designed not only to help customers grow their wealth but also to actively contribute to a greener and more sustainable future. By choosing this account, customers become a part of a larger mission to promote climate-conscious banking and reduce carbon emissions. This comprehensive overview will detail the features, benefits, and unique sustainability initiatives that make the Nabil Digo Bachat Khata an innovative and impactful financial product.
Core Features and Banking Benefits
The Nabil Digo Bachat Khata offers a robust suite of traditional and digital banking services, making it a convenient and practical choice for everyday financial management. The account can be opened with a minimum deposit of NPR 10,000, making it accessible to a wide range of customers.
Essential Banking Services: Account holders are provided with a range of standard banking facilities, including the issuance of an account statement upon request and a free cheque book, which are fundamental tools for managing personal finances.
Digital Banking: The account is fully integrated with Nabil Bank’s advanced digital platforms. Customers receive a free nBank (mobile banking) and nBank Web (internet banking) service. The mobile banking service is free for the first year, provided a lien balance of NPR 10,000 is maintained, which is a manageable condition for most users.
Card Services: The account offers significant benefits in terms of card services. Customers are provided with a free VISA Debit Card (NPR) and a free VISA Credit Card (NPR) for the first year. This provides customers with both immediate access to their funds and the flexibility of credit, with the added advantage of saving on annual fees for the first year.
Locker Facility: For customers who require secure storage for their valuables, the Nabil Digo Bachat Khata offers a 25% discount on the annual locker rental. This benefit is contingent on the availability of lockers and the maintenance of a minimum lien balance of NPR 10,000.
Complimentary Insurance Coverage: Nabil Care
One of the most compelling features of this account is the complimentary insurance coverage provided under the Nabil Care program. This benefit offers customers a significant layer of financial protection at no additional cost.
- Critical Illness Coverage: Account holders are covered against 13 critical illnesses with a sum assured of NPR 300,000. This provides a vital financial safety net in the event of a serious health diagnosis.
- Term Life Insurance: The account also includes term life insurance with a coverage of NPR 75,000.
- Combined Coverage: In the unfortunate event of death caused by a covered critical illness, the total coverage amount is NPR 375,000.
This comprehensive insurance package demonstrates Nabil Bank’s commitment to its customers’ overall well-being, providing peace of mind alongside financial growth. For a complete understanding of the terms and conditions, customers are encouraged to review the official Nabil Care product documentation.
A Unique Commitment to Sustainability: The Tree Planting Initiative
What truly sets the Nabil Digo Bachat Khata apart is its unique and impactful sustainability feature. The bank goes beyond traditional corporate social responsibility by directly linking a customer’s banking activity to a tangible environmental outcome.
Tree Planting Gesture: As a symbolic and meaningful gesture, a tree will be planted in the customer’s name as a one-time initiative. This gesture is activated when a customer maintains a minimum average semi-annual balance of NPR 50,000. This innovative approach not only encourages customers to save but also makes them active participants in environmental preservation.
Financial Contribution to Climate Action: In a more direct effort, Nabil Bank allocates 0.25% per annum of the total deposit amount in this scheme toward efforts aimed at reducing and controlling carbon emissions. This financial commitment ensures that every rupee saved in a Nabil Digo Bachat Khata actively contributes to a greener future.
Eligibility and Target Audience
- The Nabil Digo Bachat Khata is designed to be accessible to a broad demographic, including:
- Nepalese citizens of all age groups, from students to senior citizens.
- Non-Resident Nepalis (NRNs), allowing them to contribute to Nepal’s sustainable development while managing their finances.
- Institutions, specifically non-profit organizations as per Nepal Rastra Bank (NRB) directives, who can use this account to align their financial activities with their social and environmental missions.
Conclusion: Making Your Savings Matter
The Nabil Digo Bachat Khata represents a significant step forward in integrating personal finance with environmental stewardship. It is a product that not only offers excellent banking services, valuable insurance benefits, and digital convenience but also empowers customers to become active agents of positive change. This account is an ideal choice for socially and environmentally conscious individuals and organizations who want their savings to contribute to a more sustainable world. By choosing Nabil Digo Bachat Khata, customers are not just opening a bank account; they are making a commitment to a better future for themselves and for the planet.
For More: Nabil Digo Bachat Khata