1st June 2025, Kathmandu
Nepal Investment Mega Bank (NIMB) introduces Afnai Bachat Khata, a savings account for everyone. With just NPR 1, you can open this account. It’s made for people of all ages and income levels. This initiative promotes financial inclusion and encourages everyone to start saving.
Open Afnai Bachat Khata Online
Savings accounts are designed to help people manage and grow their money safely. They offer interest on deposits and are risk-free. Because of their security and ease, they’re perfect for building emergency funds, paying for education, or planning big purchases like a house.
Designed For Everyone
Afnai Bachat Khata supports smart and easy saving. You don’t need a high balance. Just one rupee is enough. This low requirement allows more people to join the formal banking system. Even students and daily wage earners can benefit.
The account suits people looking for low-risk savings. Along with safety, customers earn interest and get multiple services. NIMB wants to build the habit of saving among all Nepalese through this product.
Access Your Account Anytime
This account comes with modern banking tools. Customers get free cheque books on request. They also get access to the NIMB Smart mobile banking app. Through this app, they can transfer money, pay bills, and use services like ConnectIPS. These features make banking more convenient.
Both VISA and MasterCard debit cards are available with this account. Customers can also apply for credit cards if needed. For investors, there is a DEMAT facility, which helps in managing stock investments.
Enjoy More Facilities
Afnai Bachat Khata offers more than just basic banking. Customers can use safe deposit lockers at an affordable rate. Those who shop online or travel abroad can apply for the NIMB Virtual Prepaid Dollar Card using their PAN. For international travelers (except India and Bhutan), the bank offers a Travel Card. You only need a passport, a visa, and travel documents to get one.
The account also provides access to internet banking. Customers can check balances, review statements, and make transactions from a mobile phone or desktop. The e-banking portal offers fast, secure, and real-time banking. Account holders can also get discounts from partner merchants. Plus, they can open Fixed Deposit accounts for better returns on savings.
Steps To Open An Account
Opening Afnai Bachat Khata is simple. You can do it by visiting the nearest NIMB branch. The staff will guide you through the process. You must fill out an account opening form and submit your documents.
Documents Needed:
A copy of the citizenship
Two passport-size photos
In the account opening form, customers must share personal details. This includes your name, contact number, address, and nominee information. You can also choose services like cheque books or debit cards. A signature and thumbprint are required to confirm your identity.
Customers also fill out the Know Your Customer (KYC) form. This form collects extra details. These include:
Permanent and present address
Identification type and number
Employment and income source
Education level
Family background
You must also state if you have accounts in other banks, if you are a politically exposed person (PEP), or if you have a record with the Credit Information Bureau (CIB). The form helps ensure transparency and meet legal standards.
Open Account Online
NIMB allows you to open the account online. This method saves time and avoids travel. Customers need to visit the official online account opening portal. There, they must provide personal information such as:
Name
Permanent and current address
Identification number
Preferred account type
The features of the chosen account will appear on-screen. This helps you understand the benefits before confirming your choice. It’s fast and user-friendly, especially for tech-savvy users.
Video Account Opening Option
Another option is the Video Account Opening service. It’s ideal for customers who prefer face-to-face support without visiting the bank. To use this, customers must book an appointment on the bank’s video banking platform.
During the video call, you will need:
A smartphone or laptop with a camera
A microphone
A quiet room with proper lighting
A sheet of white paper and a black ink pen
After submitting your details, the bank sends a One-Time Password (OTP) to your phone or email. Once verified, your appointment is confirmed. During the video call, you will show your documents and sign live. After verification, the bank sends your account details to your email.
This service is safe, quick, and accessible from home.
Why Choose Afnai Bachat Khata?
Afnai Bachat Khata is more than a regular savings account. It is a gateway to modern banking for all Nepalis. With just one rupee, you can start your savings journey. NIMB supports you with digital services, cards, loans, investment tools, and personalized support.
The bank believes in empowering every citizen to build financial strength. Whether you’re a student, worker, or entrepreneur, this account supports your financial goals. It builds discipline in saving and offers growth through interest and value-added services.
Final Thoughts
In conclusion, Afnai Bachat Khata is a smart and affordable choice for anyone who wants to start saving. It comes with full digital access, flexible banking options, and lots of extra benefits. It breaks down financial barriers and promotes a savings culture in Nepal. If you’re looking for a secure, easy-to-use savings solution, this is the account for you.
For more: Open Afnai Bachat Khata Online