Open Nabil Digo Bachat Khata: Sustainable Savings, Free Critical Illness Insurance
21st May 2025, Kathmandu
Nabil Bank has launched a unique savings account called Nabil Digo Bachat Khata. This new account blends financial growth, environmental action, and personal protection.
Open Nabil Digo Bachat Khata
It is open to Nepali citizens, Non-Resident Nepalese (NRNs), and non-profit organizations. The account is a step toward achieving Nepal’s net-zero carbon goal by 2045.
Your Savings, the Environment, and a Bigger Purpose
With Nabil Digo Bachat Khata, your money doesn’t just sit in a bank—it contributes to a cleaner planet. Nabil Bank commits 0.5% of the total deposit annually from this account to projects that help cut carbon emissions.
These projects include:
Tree plantation
Renewable energy promotion
Clean water efforts
Waste management
The bank has also introduced a unique environmental gesture. If you keep a minimum average balance of NPR 50,000 for six months, Nabil Bank will plant a tree in your name. This small act reflects your impact on nature.
Start with a Small Deposit, Enjoy Big Benefits
You can open the Nabil Digo Bachat Khata with just NPR 10,000. After that, a host of useful banking services are available:
Account statement for easy tracking
Cheque book to access funds
Balance certificate on request
Free Cards and Digital Banking Access
The account offers both debit and credit cards free for the first year. These cards give you more flexibility and ease in managing expenses.
In addition, digital services include:
nBank Mobile App – Free mobile banking (with a limit of NPR 10,000)
nBank Web Portal – Free internet banking for desktop users
You also get a 25% discount on locker rental (subject to NPR 10,000 lien and availability).
NabilCare: Free Insurance for Peace of Mind
The standout benefit of this account is the free insurance coverage provided under NabilCare. This is in partnership with MetLife (American Life Insurance Company Ltd.) and comes at no cost to the customer.
Here’s what the insurance covers:
NPR 300,000 for any one of 13 listed critical illnesses
NPR 75,000 term life insurance in case of death from any cause (except suicide)
Total coverage of NPR 375,000
This financial shield helps protect your family from medical emergencies and sudden life changes.
13 Major Illnesses Covered
NabilCare covers a wide range of critical illnesses, including:
Major cancers
First heart attack
Kidney failure
Stroke
Heart valve surgery
Primary pulmonary hypertension
Severe coronary artery disease
Fulminant hepatitis
Aplastic anaemia
Coma
End-stage lung disease
End-stage liver failure
Organ or bone marrow transplant
This wide coverage offers safety in difficult times.
Easy Claim Process
Nabil Bank ensures that claiming insurance is stress-free. There is no need to submit hospital bills. The process is designed to be simple and fast.
Importantly, all insurance costs are fully borne by Nabil Bank. Customers don’t need to pay anything.
Eligibility for Insurance
Not everyone qualifies for the free insurance. Here’s what you need:
Be an individual account holder (joint accounts are not eligible)
Age between 16 and 64 years
Maintain a daily balance of at least NPR 100,000 for one full Nepali month
Coverage begins in the next Nepali month after you meet these conditions.
Who Can Open This Account?
Nabil Digo Bachat Khata is open to:
Nepalese individuals of all ages
Non-Resident Nepalese (NRNs)
Non-profit institutions, as approved by Nepal Rastra Bank (NRB)
This wide eligibility ensures more people can take part in sustainable finance.
Tree Planting: A Personal Green Touch
The tree-planting feature makes this account truly special. It connects your savings with the environment in a real and visible way. When a tree is planted in your name, it shows your impact on reducing carbon.
This small act makes a big difference.
A Greener Way to Bank
Nabil Digo Bachat Khata offers a complete banking experience. It helps you:
Grow your money
Stay protected with free insurance
Take part in climate action
All of this comes with zero hidden fees for insurance or environmental contributions.
Final Words: Start Saving for the Future and the Earth
Nabil Bank has created a savings account that stands out. With features like digital banking, debit/credit cards, locker discounts, and NabilCare insurance, the Digo Bachat Khata meets everyday financial needs.
But it goes one step further—it invites you to bank responsibly. Every deposit helps reduce carbon emissions and supports green development.
If you want to secure your future and support a cleaner Nepal, Nabil Digo Bachat Khata is the smart choice.
Visit your nearest Nabil Bank branch today to open your account and plant the first seed—both financially and environmentally.
For more: Open Nabil Digo Bachat Khata
