Siddhartha Bank Saving Accounts Nepal: Complete Guide

27th March 2026, Kathmandu

The Siddhartha Bank Saving Accounts Nepal portfolio offers a comprehensive range of deposit products tailored for individuals, families, salaried employees, youth, women and remittance earners.

Siddhartha Bank Saving Accounts

Siddhartha Bank Limited provides these accounts with competitive interest rates, digital banking features, insurance coverage, and investment options to meet diverse financial needs. As of March 2026, the bank has aligned its offerings with the latest market trends, providing a seamless blend of traditional security and modern digital convenience.

Below is a detailed overview of each savings account based on the current fiscal year 2082/83 standards.

Siddhartha Smart Salary Account

The Siddhartha Smart Salary Account is designed as a primary payroll solution for organizations and their employees. It currently offers an attractive interest rate of 3.05 percent per annum on the daily balance with quarterly payouts. This account includes multiple free services such as debit cards credit cards and cheque books for the initial period. It is an ideal choice for salaried individuals working in organizations that can onboard at least 20 employees ensuring both personal convenience and zero maintenance costs for the employer.

Siddhartha Pay and Save Account

The Siddhartha Pay and Save Account is a unique savings product that allows parents to build savings for their children automatically through digital transactions. Each transaction made by the parent is rounded off and the difference is automatically transferred into the child’s linked account. The child’s portion of the account currently earns a higher interest rate of 3.00 percent per annum. With zero balance requirements and innovative digital hooks this account promotes disciplined saving habits from an early age.

Siddhartha Gen Z Saving Account

Formerly known as the Smart Saving Account for a Smarter Generation this product is specifically tailored for individuals born on or after 1995. It offers zero balance opening and insurance coverage of up to 500,000 rupees subject to a minimum balance of 10,000 rupees. Additional benefits include free debit cards and mobile banking for the first two years along with free Demat and Mero Share services. It is designed to empower the tech savvy youth of Nepal with a “Next Generation Banking Experience.”

Siddhartha Platinum Bachat Khata

The Siddhartha Platinum Bachat Khata is a premium savings account that can be opened with zero minimum balance while offering a steady interest rate of 2.75 percent on daily balances. It includes benefits such as free credit card issuance for the first year and complimentary access to digital banking tools. This account is suitable for both high net worth individuals and organizations seeking a versatile banking platform with enhanced service limits.

Siddhartha Jeevan Surakshya Saving Account

The Siddhartha Jeevan Surakshya Saving Account combines regular savings with comprehensive insurance coverage of up to 1.4 million rupees. This account requires a minimum balance of 20,000 rupees and provides protection against 18 critical illnesses accidental death and permanent total disability. It also includes medical insurance coverage valid in both Nepal and India. With an interest rate of 2.75 percent it is ideal for customers seeking a financial safety net alongside their savings.

SBL Premium Remit Saving Account

The SBL Premium Remit Saving Account is specifically targeted at Nepalese citizens working abroad. It offers the highest interest rate in the savings category at 4.05 percent per annum. With a minimum balance of only 500 rupees it allows account holders to apply for IPOs under the dedicated ten percent foreign employment quota. This account serves as a powerful tool for remittance earners to maximize their savings and invest in the Nepalese capital market.

Siddhartha Mero Share Khata

The Siddhartha Mero Share Khata is the perfect account for active stock market investors. It can be opened with zero balance and offers free Demat and Mero Share services for the first year. By simplifying the C-ASBA registration and IPO application process this account ensures that investors can manage their banking and portfolio requirements through a single unified platform.

Siddhartha Nari Bachat Khata

The Siddhartha Nari Bachat Khata is specially designed to promote financial independence among women in Nepal. It offers zero balance account opening and a dedicated Nari Debit Card with unique features. With a current interest rate of 2.75 percent this account empowers women with accessible banking solutions and prioritized service at branches across the country.

Siddhartha Jestha Nagarik Bachat Khata

The Siddhartha Jestha Nagarik Bachat Khata is tailored for senior citizens aged 50 and above. It offers special privileges such as a 2.75 percent interest rate and flexible withdrawal options. This account focuses on providing a comfortable and respectful banking experience for the elderly including priority counter services and assistance with pension management.

Sajilo Bachat Khata

The Sajilo Bachat Khata aims to promote massive financial inclusion by allowing anyone to open a bank account with zero balance. This account is part of the government initiative to ensure that every citizen has a bank account. It offers a 2.75 percent interest rate and simplified documentation making it the most accessible entry point into the formal banking system for first time users.

Siddhartha Super Salary Account

The Siddhartha Super Salary Account is an advanced payroll solution designed specifically for corporate organizations and large institutions to streamline their monthly salary processing. This account offers zero balance account opening and a competitive interest rate of 3.05 percent per annum. It provides multiple free features such as debit cards credit cards and mobile banking for the first year. This account significantly improves operational efficiency for businesses by automating bulk transfers while offering employees a high value banking platform with minimal maintenance fees.

Siddhartha Platinum Plus Saving Account

The Siddhartha Platinum Plus Saving Account is a high value savings product tailored for high net worth individuals who require a premium banking experience. It requires a minimum balance of 50,000 rupees and offers a 2.75 percent interest rate. Holders of this account receive priority banking services at all branches and a suite of complimentary benefits including free debit and credit cards for the first year. Additional perks include a free prepaid USD card for international travel and significant discounts on locker rental charges making it a top tier choice for sophisticated customers.

Siddhartha Professional Account

The Siddhartha Professional Account is a specialized payroll focused account for organizations managing a professional workforce. Similar to the other salary products it offers zero balance opening and attractive interest rates of 3.05 percent. This account is particularly notable for its bundled insurance coverage and free digital banking services. It serves as a comprehensive tool for companies seeking to provide their employees with reliable salary management solutions that include a safety net of accidental insurance.

Siddhartha Bal Bachat Khata

The Siddhartha Bal Bachat Khata is designed specifically for minors helping parents and guardians plan for the financial future of their children. With zero balance requirements and a 3.00 percent interest rate it encourages the habit of saving from an early age. The account features flexible transaction limits and is managed by the guardian until the child reaches adulthood. This account is an excellent way for families to secure funds for future educational expenses or other long term childhood milestones.

Social Security Saving Account

The Social Security Saving Account is a specialized product designed for Nepalese citizens who receive social security benefits from the government. It offers zero balance account opening and a 2.75 percent interest rate ensuring that beneficiaries can access their funds without any deductions. This account provides free services such as debit cards and SMS alerts to keep users informed of their balance. It is a vital part of the bank commitment to social responsibility and supporting the most vulnerable segments of the population.

Siddhartha Remit Account

The Siddhartha Remit Account is designed for individuals and families in Nepal who receive remittances from relatives working abroad. It offers zero balance opening and a competitive 2.75 percent interest rate. This account provides flexible withdrawal options and easy access to funds through a wide network of ATMs and branches. It simplifies the process of receiving foreign income while ensuring that the money remains safe and earns interest until it is needed for household expenses or investments.

Siddhartha Bachat Account

The Siddhartha Bachat Account is the most basic savings product in the lineup designed for general customers who want a simple and reliable place to keep their money. It can be opened with zero balance and provides essential banking features such as cheque book access and interest calculated on a daily balance basis. With a 2.75 percent annual interest rate it is suitable for individuals who do not require specialized features like insurance or high tier priority services but still want a secure path to financial management.

Siddhartha Jeevan Surakshya Saving Account

The Siddhartha Jeevan Surakshya Saving Account combines savings with comprehensive insurance coverage. With a minimum balance of NPR 20,000, it provides protection against 18 critical illnesses, accidental death, and disability. It also includes medical insurance coverage and attractive interest rates, making it ideal for customers seeking financial security alongside savings.

List of 18 Critical Diseases Covered

• Cancer of specified severity
• Kidney failure requiring regular dialysis
• Multiple Sclerosis with persisting symptoms or
• Benign Brain Tumor
• Parkinson’s Disease before the age of 50 years
• Alzheimer’s Disease before the age of 50 years
• End-Stage Liver Disease
• Major Organ/ Bone Marrow Transplant
• Open heart replacement or repair of heart valves
• Open chest CABG
• Surgery of Aorta
• Stroke resulting in permanent symptoms
• Permanent Paralysis of Limbs
• First Heart Attack- of specified severity
• Major Burns
• Loss of Speech
• Deafness
• Coma of Specified Severity

Conclusion

The Siddhartha Bank Saving Accounts Nepal lineup offers a diverse selection of products catering to every life stage and financial goal. Whether you are a student looking for a digital first experience a professional seeking insurance benefits or a remittance earner looking for high returns Siddhartha Bank Limited provides a structured and secure platform for your capital. Choosing the right account depends on your specific needs regarding interest rates insurance features and digital access ensuring there is a tailored solution for every customer in Nepal.

For More: Siddhartha Bank Saving Accounts