Sanima Bank’s ‘Sajilo eBanking’ Offers Advanced and Secure Omni Mobile Banking Experience

9th November 2025, Kathmandu

Sanima Bank has taken a major leap forward in its digital offerings with the launch of Sanima Sajilo eBanking, an advanced, omni-version mobile banking service designed to provide customers with unparalleled convenience, flexibility, and security.

Sanima Bank’s Sajilo eBanking

By integrating both a dedicated mobile app and a robust web platform, the bank ensures that users can manage their finances seamlessly, whether they are on the move or seated at a desktop. This sophisticated solution is more than just an application; it is a comprehensive digital ecosystem that caters to the modern banking needs of today’s tech-savvy customer.

Omni-Channel Access: The New Standard for Convenience

The core strength of Sanima Sajilo eBanking lies in its omni-channel approach. This unified system allows customers to log in and conduct their banking activities through two primary interfaces, ensuring continuous service availability and flexibility:

Dedicated Mobile Application: Available for download on the official Play Store and Apple Store, offering a secure, optimized, and on-the-go experience.

Web Platform: Accessible via the official link, https://sajiloebanking.sanimabank.com/, providing a full-screen desktop view ideal for detailed transaction review and complex financial management.

This duality ensures that key features are accessible at all times, making transactions smoother and more reliable. Customers can effortlessly perform a wide range of essential banking functions, including fund transfers, bill payments, e-cash services, appointment scheduling, and receiving immediate transaction alerts. This design philosophy prioritizes user experience by adapting to the customer’s preferred device and context.

Financial Flexibility: Understanding Transaction Limits

Sanima Bank has clearly defined the transaction limits for its two platforms, providing customers with guidance on managing both daily finances and larger transactions. The distinction ensures a balance between convenience and security.

Mobile App Limits

The mobile application is ideally suited for routine, frequent transactions, offering a high level of accessibility combined with strong security layers. The limits are structured to accommodate most daily needs: NPR 100,000 per transaction, accumulating up to NPR 300,000 daily, with a monthly ceiling of NPR 1,000,000. These limits encourage regular use for immediate payments, wallet loads, and smaller fund transfers.

Web Version Limits

The web version is designed to handle significantly larger transactions, reflecting the perception that users are operating from a more secure, controlled environment (a personal computer). The web platform supports up to NPR 500,000 per transaction and an aggregated daily limit of NPR 2,000,000, though these limits may vary depending on the specific service type utilized, such as intra-bank or interbank transfers. This higher capacity makes the web platform the preferred choice for substantial bill payments or larger fund movements.

Cost-Effective Transfers: Interbank Fee Structure

Sanima Bank promotes cost-effective interbank fund transfers via the Nepal Clearing House Limited (NCHL) network, using both direct routes and the Connect IPS gateway. The pricing structure is designed to be affordable and transparent, covering various transaction volumes:

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• Direct Interbank Transfer Fee: For standard interbank transfers ranging from NPR 100 up to NPR 100,000, a minimal flat fee of NPR 10 applies.
• NCHL Connect IPS Fees: This service follows a tiered tariff structure, inclusive of VAT, as stipulated by NCHL:
• Transactions up to NPR 500 are free of charge.
• Transfers between NPR 501 and NPR 5,000 incur a low fee of NPR 4.
• For transactions exceeding NPR 5,000, a fee of NPR 8 is applied.

This transparent fee system encourages the adoption of digital transfers, offering a clear advantage over traditional banking methods.

Security and Feature Richness: Built for the Modern User

The Sajilo eBanking service is built upon a foundation of comprehensive features and robust security protocols. It operates across all internet connection types (Wi-Fi, Mobile Data – LTE, 3G, 2G), ensuring reliability even in areas with lower bandwidth.

Key Functional Enhancements

The platform integrates several user-centric features:

Financial Services: Full account information access, requests for cheque books and statements, fund transfers both within Sanima Bank and to other banks via NCHL, and the essential ability to process QR code payments, wallet loads, and utility payments.

Location and Communication: The integrated map feature allows users to quickly locate nearby ATMs and branches.

Alerts and Notifications: Customers receive real-time alerts and notifications for all banking activities, ensuring immediate awareness and control over their accounts.

Security First

To protect customer funds and data, the Sajilo eBanking system employs industry best practices, notably featuring Two-factor authentication (2FA) for enhanced security. This extra layer of verification, typically involving a one-time password (OTP) sent to the registered mobile device, drastically reduces the risk of unauthorized access.

A Call for Digital Vigilance: Do’s and Don’ts

Sanima Bank provides clear guidance for customers to maintain digital security: Always download only the official Sanima Sajilo eBanking app from the authorized app stores and change passwords/PINs frequently. Customers are strictly advised to avoid using public Wi-Fi or untrusted devices, never share or store login credentials on their phones, and not leave devices unattended while using the app.

For any queries or assistance, the bank maintains comprehensive customer support via a dedicated Call Centre and NTC/Ncell Toll-Free numbers, ensuring 24/7 access to help.

Sanima Sajilo eBanking represents a decisive move towards a future-ready, customer-centric digital banking model, setting a high standard for service and security in Nepal’s evolving financial market.

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