NIMB Karmachari Bachat Khata: Zero Balance Employee Savings Account for Nepali Salaried Professionals
29th May 2025, Kathmandu
Managing money as a salaried employee can be challenging. You have monthly expenses, sudden needs, and long-term financial goals. Nepal Investment Mega Bank Limited (NIMB) has understood this reality and designed a perfect solution—Karmachari Bachat Khata, also known as the Employee Savings Account.
NIMB Karmachari Bachat Khata
This savings account is built especially for individuals working in the government or private sectors. It helps you manage your salary, build your savings, and access various financial services. If you are an employee looking for a reliable banking partner, this account is your ideal choice.
Designed For Nepali Employees
The Karmachari Bachat Khata is available to all working citizens of Nepal. Whether you are a government official, a private company staff member, or an employee of a non-profit organization, you are eligible to open this account.
It supports employees across income groups and offers a wide range of services that are both practical and rewarding.
Benefits That Make A Difference
This account is not just about holding your money. It offers numerous features designed to simplify your financial life. From zero minimum balance to online banking, here’s what makes the Karmachari Bachat Khata a smart choice:
Zero Minimum Balance
There’s no need to worry about keeping a certain amount in the account. This feature removes a major stress point for many employees, especially those living paycheck to paycheck.
Free Cheque Book
Need to make business or personal payments? Get a cheque book free of charge whenever you need one.
Free Mobile Banking Access
Stay connected with your money through NIMB Smart, the bank’s mobile banking app. It’s free and gives you access to essential services like balance checks, money transfers, bill payments, and mobile top-ups.
Free VISA Debit Card
Get a free VISA debit card when you open the account. It allows ATM withdrawals and cashless payments at thousands of merchants. Prefer MasterCard? That’s available too.
Free Credit Card with No Issuance Fee
For more financial flexibility, NIMB offers a credit card with no issuance fee. This helps you make purchases even when you don’t have the cash immediately available. Buy now, pay later—without any extra opening cost.
NIMB Smart Loan up to NPR 5 Lakhs
When you face an emergency or need quick cash, you can access loans up to NPR 5 lakhs through the NIMB Smart Loan facility. It’s simple, fast, and employee-friendly.
Hassle-Free Salary Transfers
Employers can easily deposit salaries directly into employee accounts. This makes payroll smooth and helps you get paid on time without delays or errors.
Safe Deposit Locker Access
Need a secure place to store your valuable items? Enjoy attractive rates for safe deposit lockers at NIMB branches.
Free E-Commerce Registration
If you like shopping or paying bills online, the account includes free e-commerce registration. No hidden charges, just seamless digital payments.
Virtual Dollar Prepaid Card for Online Transactions
Want to buy software, subscribe to services, or shop internationally? Get a Virtual Dollar Prepaid Card using your PAN card. Use it for platforms like Netflix, Amazon, or Apple Store.
International Travel Card
If you’re traveling abroad (excluding India and Bhutan), NIMB offers a Travel Card. Just present your passport and travel documents to apply. It’s safer than carrying cash and easy to use.
Internet and Mobile Banking
Through NIMB Smart and the bank’s Smart Portal, you can manage your finances online. Check balances, download statements, and transfer funds within NIMB without going to the bank.
Real-Time Fund Transfer via Connect IPS
Send money to other banks instantly using Connect IPS. It’s secure, fast, and reliable for interbank payments.
Discounts and Offers
Enjoy exclusive merchant discounts across categories like shopping, dining, and travel. These deals are automatically available to Karmachari Bachat Khata users.
Investment Opportunities
The account supports various investment options. Apply for IPOs, SIPs (Systematic Investment Plans), PMS (Portfolio Management Services), and more through NIMB branches.
Easy Retail Loans and Fixed Deposits
Use your account to apply for retail loans or open fixed deposits. This makes managing long-term savings and short-term financial needs more convenient.
Flexible Banking Access
Withdraw, deposit, or transfer funds through ATMs, mobile banking, or online services. You don’t need to stand in line at the branch.
Competitive Interest Rates
Interest rates are adjusted regularly to stay in line with the market. This ensures that your savings grow at a fair and profitable pace.
Required Documents for Account Opening
Opening a Karmachari Bachat Khata is simple and straightforward. Here’s what you need:
Copy of your Nepali citizenship certificate
Two recent passport-size photos
A valid employee ID card
A letter from your employer or organization requesting the bank to open the account
Simple Account Opening Process
Visit any NIMB branch near you. The bank’s Customer Service Department (CSD) will assist you throughout the account opening process.
You’ll first fill out an Account Opening Form, where you’ll provide:
Your full name
Type of account
Contact number
Nominee details
Your signature
Services you want (cheque book, debit card, e-statements, etc.)
Next, you’ll complete the KYC (Know Your Customer) form. This form collects detailed information such as:
Your permanent and temporary address
Educational background
Source of income and monthly income
Occupation and job title
Family details and household size
Any other bank accounts
Information on whether you are a politically exposed person (PEP)
Any past criminal record or credit blacklist from CIB
Once you complete the forms, the bank processes your application and activates your account within a short time.
Why Choose NIMB’s Karmachari Bachat Khata
This savings account isn’t just a place to store your salary. It’s a complete financial ecosystem. It brings together saving, spending, borrowing, and investing in one platform.
You don’t just earn interest—you gain control over your finances. You get access to digital tools, credit facilities, international cards, locker services, and investment channels. All this is tailored to make your financial life smoother.
It also makes banking stress-free for employers, who can manage staff salaries with one trusted banking partner.
Final Thoughts
The Karmachari Bachat Khata by NIMB is the perfect match for today’s salaried professionals in Nepal. It offers flexibility, convenience, and comprehensive financial services—all under one account.
If you’re an employee looking to simplify your banking, start saving smart, and enjoy value-added services, this account is your answer.
Visit the nearest NIMB branch, fill out a simple form, and begin your journey toward better money management today.
For more: NIMB Karmachari Bachat Khata
