NIMB Srijanshil Nari Bachat Khata: Women’s Savings Account
29th May 2025, Kathmandu
Saving money securely while earning a steady return is a fundamental part of financial planning. Recognizing the importance of women’s financial independence, Nepal Investment Mega Bank Limited (NIMB) has introduced a unique savings account product — Srijanshil Nari Bachat Khata — specially designed to cater to the needs of Nepali women.
NIMB Srijanshil Nari Bachat Khata
This savings account offers a blend of convenience, attractive interest rates, and modern digital banking services, aiming to empower women to manage their finances confidently and efficiently.
What is a Savings Account and Why Is It Important?
A savings account is a deposit account offered by banks and financial institutions where customers can safely store their money. Unlike checking accounts, savings accounts provide interest on deposits, helping money grow over time. Savings accounts are ideal for individuals who want to keep their money safe, avoid risks, and plan for future goals such as buying a home, children’s education, or emergency funds.
Savings accounts are low-risk and highly secure, often backed by government deposit insurance schemes. This makes them an excellent choice for risk-averse individuals seeking to protect their hard-earned money. Moreover, savings accounts typically allow easy deposits and withdrawals, giving customers flexibility and peace of mind.
Introducing Srijanshil Nari Bachat Khata: Savings Tailored for Women
Understanding the financial aspirations and challenges faced by women in Nepal, Nepal Investment Mega Bank Limited created the Srijanshil Nari Bachat Khata, a savings account designed exclusively for women. The name itself reflects its vision — Srijanshil meaning creative or innovative, and Nari meaning woman in Nepali. This account combines user-friendly features with the bank’s commitment to supporting women’s economic empowerment.
Who Can Open This Account?
The account is open to all female Nepali citizens, regardless of age or income level. Whether you are a student, working professional, homemaker, or entrepreneur, this account provides a safe and accessible way to save money while benefiting from a range of financial services.
Minimum Balance and Accessibility
To encourage financial inclusion, the minimum balance to maintain this account is just NPR 500, making it affordable for women from all backgrounds. This low barrier to entry helps women begin their savings journey with ease, fostering the habit of regular savings.
Features and Benefits of Srijanshil Nari Bachat Khata
NIMB has equipped the Srijanshil Nari Bachat Khata with a variety of features and benefits that make it more than just a regular savings account:
Attractive Interest Rates: The account offers competitive interest rates that help your savings grow steadily over time. Interest rates may vary based on market conditions but remain among the best for savings accounts in Nepal.
Free Cheque Book: Customers can request a cheque book without any additional charges, facilitating convenient payments and transactions.
Digital Banking Access: With NIMB Smart mobile banking app and internet banking, account holders can check balances, view transaction history, pay bills, and transfer funds anytime, anywhere.
Debit Card Services: VISA and MasterCard debit cards are provided, allowing easy access to funds at ATMs and enabling cashless transactions.
DEMAT Account Linkage: The account offers the facility to link with DEMAT accounts for managing shares and securities, helping women investors participate in capital markets effortlessly.
Credit Card Facility: Account holders can apply for credit cards through their savings account, providing additional financial flexibility.
Multiple Account Opening Channels: The bank offers various ways to open the account — visit any branch, apply online via the website, or use the innovative video conferencing method to open an account remotely.
Safe Deposit Lockers: NIMB provides safe deposit locker facilities at attractive rates, securing valuables with ease.
Utility Payments and Fund Transfers: The account supports online payment of utility bills, mobile recharges, and fund transfers via ConnectIPS and e-banking services, saving time and enhancing convenience.
Exclusive Merchant Discounts: Account holders enjoy attractive discounts and offers from selected merchants, adding extra value to everyday spending.
International Transaction Facilities: For women traveling abroad, NIMB offers Virtual Dollar Prepaid Cards and Travel Cards, making overseas payments seamless and secure.
Account Opening Process: Simple and Flexible
NIMB understands that convenience is key to banking, especially for busy women juggling multiple responsibilities. Therefore, opening a Srijanshil Nari Bachat Khata is made easy with multiple options:
Branch Visit
Women can visit the nearest NIMB branch where dedicated customer service representatives will guide them through filling out the account opening form and KYC (Know Your Customer) documentation. This traditional method allows for face-to-face interaction and immediate assistance.
Online Application
For tech-savvy users or those who prefer the convenience of home banking, NIMB offers an online application platform. The customer fills in personal details, selects the account type, and uploads the necessary documents. After submission, verification and confirmation are sent via SMS or email.
Video Conferencing Account Opening
In a pioneering move, NIMB provides a video assistant service for account opening. This allows women to complete the entire process remotely. Customers need a quiet, well-lit environment and a device with a camera and internet connection. During the video call, documents and identity are verified, and signatures are captured digitally. Once completed, account details are sent electronically.
Documents Required for Opening the Account
To open the Srijanshil Nari Bachat Khata, customers must provide:
Nepali citizenship certificate
Two recent passport-sized photographs
During the KYC process, customers will also provide:
Permanent and present address details
Contact information (mobile number and email)
Occupation and income sources
Information about any existing accounts in other banks
Disclosure about political exposure or any criminal background
These measures ensure the security and compliance of banking operations while personalizing the services offered.
Why Srijanshil Nari Bachat Khata is a Game-Changer for Women in Nepal?
Financial inclusion and empowerment of women are crucial drivers of economic growth. By providing a savings account designed specifically for women, NIMB is fostering an environment where women feel confident to manage their money and plan for the future.
The Srijanshil Nari Bachat Khata not only supports saving habits but also offers the technological tools and financial products that empower women to take charge of their financial lives. Access to debit cards, credit cards, DEMAT accounts, and international travel cards means women can participate fully in Nepal’s growing economy and the global marketplace.
Furthermore, the emphasis on easy account opening methods, low minimum balances, and customer-friendly digital services removes many traditional barriers women face in banking.
Final Thoughts
Nepal Investment Mega Bank Limited’s Srijanshil Nari Bachat Khata is much more than just a savings account — it’s a financial tool designed to inspire confidence, independence, and growth for Nepali women. By combining traditional banking security with modern digital convenience and exclusive benefits, this account is ideally suited for women who want to secure their future with smart financial decisions.
If you are a Nepali woman seeking a reliable, affordable, and empowering way to save money, open your Srijanshil Nari Bachat Khata today. Start your journey toward financial freedom with Nepal Investment Mega Bank Limited.
For more: NIMB Srijanshil Nari Bachat Khata
