NIC Asia Bank Savings Accounts: Zero Balance, Remittance & Premium Options

29th May 2026, Kathmandu

NIC Asia Bank Limited provides a diverse range of savings accounts designed to support everyday banking needs, remittance earners, and premium customers.

NIC Asia Savings Account

From zero-balance accounts to high-interest savings and remittance-linked IPO benefits, NIC Asia Bank offers flexible financial solutions for all types of customers.

Sarbashrestha Sunya Maujdat Bachat Khata (Zero Balance Savings Account)

The Sarbashrestha Sunya Maujdat Bachat Khata is a zero-balance savings account designed for the general public. It is suitable for individuals of all income levels, age groups, and genders.

One of its biggest advantages is that it does not require any minimum balance to open or maintain the account. This makes it highly accessible for students, low-income earners, and first-time banking users.

The account aims to promote financial inclusion by allowing everyone to access basic banking services without financial barriers. Customers can use this account for deposits, withdrawals, and regular banking transactions without worrying about maintaining a minimum balance.

Sarbashrestha Remittance Bachat Khata IPO Benefits

The Sarbashrestha Remittance Bachat Khata IPO is a specialized savings account designed for Nepalese workers employed abroad under official government work permits.

This account is especially significant because it is linked with IPO quota allocation benefits. According to securities regulations in Nepal, workers abroad are eligible for a 10% IPO quota of total public offerings.

This means customers holding this account can benefit from exclusive investment opportunities in the Nepalese capital market while also saving remittance income securely.

The account encourages foreign workers to channel their earnings through formal banking systems, ensuring safety, transparency, and investment access in Nepal.

Sathi Bachat Khata (Premium Savings Account)

The Sathi Bachat Khata is a premium savings account designed for customers who maintain higher balances and want better returns.

To qualify for its benefits, customers must maintain a minimum balance of NPR 100,000. In return, they receive an attractive interest rate of 3.25% per annum.

This account is suitable for individuals who want to grow their savings with stable returns while enjoying secure banking services.

It is particularly beneficial for salaried professionals, business owners, and individuals with consistent income who want higher interest earnings compared to standard savings accounts.

Sarbashrestha Remittance Bachat Khata (General Remittance Account)

The Sarbashrestha Remittance Bachat Khata is another remittance-focused savings account that can be opened online, making it highly convenient for users.

It is designed for individuals receiving money from abroad and helps promote regular savings habits by offering easy access to remittance deposits.

To open this account, customers must provide valid documentation that proves the source of remittance income. Acceptable documents include:

• Original remittance receipt
• Bank statement showing foreign remittance deposits
• Salary certificate or payslip for individuals working abroad
• Employment offer letter from foreign employers
• Any other document verifying remittance through banking channels

Additionally, customers must sign an income source declaration form as part of the account opening process.

These requirements ensure compliance with banking regulations and promote secure financial transactions.

Benefits of NIC Asia Bank Savings Accounts

The savings products offered by NIC Asia Bank Limited provide multiple advantages for different customer segments.

• Zero-balance accounts ensure financial inclusion by allowing anyone to open an account without initial deposit requirements. This is especially useful for students and low-income individuals.
• Remittance accounts help Nepalese workers abroad save money securely while also accessing IPO investment opportunities, which is a unique financial advantage in Nepal’s banking system.
• Premium savings accounts like Sathi Bachat Khata offer higher interest rates, helping customers grow their wealth more efficiently.
• Overall, these accounts provide flexibility, accessibility, and financial growth opportunities for a wide range of customers.

Why These Accounts Matter in Nepal

Savings accounts play a crucial role in improving financial literacy and inclusion in Nepal. With a large portion of the population working abroad, remittance-based banking products are especially important.

By offering tailored savings solutions, NIC Asia Bank helps individuals:

• Save securely
• Access investment opportunities
• Build financial discipline
• Earn competitive interest rates

This strengthens both personal financial stability and the national banking system.

Conclusion

The savings account portfolio offered by NIC Asia Bank Limited is designed to meet the diverse needs of Nepalese customers. From zero-balance accounts to remittance-linked IPO benefits and premium savings options, each product serves a specific financial purpose.

For individuals seeking flexible, secure, and growth-oriented banking solutions in Nepal, NIC Asia Bank provides some of the most accessible and feature-rich savings account options in the market today.

For More: NIC Asia Savings Accounts