NIMB Swabhiman Bachat Khata: Best Savings Account for Nepali Senior Citizens 2025
29th May 2025, Kathmandu
Are you a senior citizen in Nepal looking for a safe and rewarding way to manage your savings? Nepal Investment Mega Bank Limited (NIMB) has a perfect solution for you — the Swabhiman Bachat Khata.
NIMB Swabhiman Bachat Khata
This special savings account is designed with senior citizens in mind. It offers attractive interest rates, easy access, and a wide range of features to make your banking experience comfortable and beneficial.
Why Open a Savings Account?
Savings accounts are essential financial tools. They keep your money safe while letting it grow. You earn interest on your deposits, helping you build wealth over time. There is no need for active management. Savings accounts are low-risk, secure, and ideal for long-term financial planning. Whether you’re saving for emergencies, helping your family, or planning for future needs, a savings account gives peace of mind.
What is Swabhiman Bachat Khata?
Swabhiman Bachat Khata is a savings account designed especially for Nepali senior citizens. NIMB respects the contributions of the elderly and has created this account to meet their unique needs.
Who Can Open This Account?
This account is exclusively for Nepali citizens who are senior in age. If you are a senior citizen, this account is meant for you.
Benefits and Features of Swabhiman Bachat Khata
The Swabhiman Bachat Khata comes packed with features that are both useful and senior-friendly:
Low Minimum Balance
Maintain your account with a minimum balance of just NPR 1,000. It’s affordable and easy to manage.
Free Cheque Book
Receive a free cheque book on request. It makes payments and transactions convenient.
Mobile Banking App
Use the NIMB Smart Mobile Banking App to manage your finances anytime, anywhere.
Debit Cards – VISA or MasterCard
Choose between VISA or MasterCard for your ATM debit card.
DEMAT Facility
Easily manage your share market investments with the DEMAT account linked to your savings.
Credit Card Application
Apply for a credit card directly through your savings account.
Multiple Account Opening Options
Open your account online or through a video account opening service.
Safe Deposit Locker
Keep your valuables secure with attractive rates on locker deposits.
Merchant Discounts
Get special discounts from a wide range of NIMB’s partner merchants.
Privilege Services
Enjoy faster, more personalized services under NIMB’s Privilege Service.
Investment Services
Access Systematic Investment Plans (SIP) and Portfolio Management Services (PMS) through your branch.
Free E-Commerce Registration
Register for e-commerce services for free. Make payments for goods, bills, and services online.
Virtual Dollar Prepaid Card
Apply for a Virtual Dollar Prepaid Card with your PAN card for international transactions.
Travel Card
Planning to travel abroad (excluding India and Bhutan)? Apply for a NIMB Travel Card using your passport, visa, and travel documents.
Full E-Banking Access
Check your balance, view statements, and transfer funds online with Connect IPS.
Fixed Deposit Option
Open a Fixed Deposit account easily through your Swabhiman Bachat Khata and earn higher returns.
Note: Interest rates may change as per the market situation.
How to Open a Swabhiman Bachat Khata
Opening this account is quick and simple. You can choose from three convenient methods.
Option 1: Visit a NIMB Branch
Go to Your Nearest NIMB Branch
Friendly Customer Service staff will assist you.
Fill Out the Forms
Account Opening Form: Includes name, account type, signature, thumbprint, mobile number, nominee, and more.
KYC Form: Includes personal details, addresses, ID information, income, occupation, family, and declarations.
Submit Required Documents
Citizenship Certificate
Two recent passport-size photos
Option 2: Online Application
Visit the NIMB Website
Click on the “Account Opening” section.
Provide Your Details
Fill in personal and identification details.
Choose Account Type
Select “Swabhiman Bachat Khata.” Review the features listed.
Submit and Verify
After submission, you will receive an OTP on your mobile or email. Enter the OTP to verify and complete the process.
Option 3: Video Account Opening
Prefer to open your account from home? Use NIMB’s video account opening service.
Select “Video Assistant”
On the account opening page, click the “Video Assistant” option.
Enter Personal Details
Schedule an appointment for a video conference.
Submit and Verify
Enter the OTP sent to your phone or email.
Prepare for the Video Call
Make sure you have:
A quiet room
A plain background
A smartphone or laptop with a good camera
A microphone
A white paper and black ink pen
A stable internet connection
Account Confirmation
After the video call, your account details will be sent to your email.
Why Choose NIMB For Your Savings?
Nepal Investment Mega Bank Limited is one of Nepal’s trusted and leading banks. The Swabhiman Bachat Khata is not just an account — it’s a complete banking solution for senior citizens. It blends traditional trust with modern convenience. Whether you prefer digital tools or face-to-face service, NIMB has options for you.
You will benefit from secure deposits, interest earnings, investment opportunities, and customer-focused services. From everyday transactions to long-term planning, this account supports your financial well-being.
For more: NIMB Swabhiman Bachat Khata
