Our Journey

Garima Bikas Bank Limited, a National Level Development Bank previously headquartered at Waling, Syangja, commenced its commercial operations on the 18th of Kartik, 2064 and the formal inauguration took place on the 7th of Marg, 2064. The bank, which initially started its banking transactions with a paid-up capital of only NPR 26.5 million, had covered three districts i.e Syangja, Palpa, and Kaski as a Regional Level Development Bank. On the 20th of Chaitra, 2068, its business coverage area was expanded to 10 districts.

Garima Bikas Bank, with a commitment to "Access to All," overcame limited business coverage and service distribution challenges by strategically becoming a National Level Development Bank. Through mergers with erstwhile Nilgiri Bikas Bank Limited on 29^th of Asadh 2072 and erstwhile Subekshya Bikas Bank Limited on 4^th of Ashwin 2073, the bank strengthened its capital base, expanded branch locations, and improved overall operations. The recent acquisition of Sahara Bikas Bank Limited on 28^th of Kartik 2078 further enhances our presence in Province 2. As a result, Garima Bikas Bank has transformed into a robust financial institution, offering a wide range of banking services to a larger customer base and ensuring accessible and reliable banking services across Nepal.

Present Scenario

Our head office is located at Kathmandu 02, Lazimpat, Kathmandu. With 123 branches and 51 strategically placed ATMs, we ensure convenient access to our financial services for our valued customers.

Message from Chief Executive Officer

Garima Namaskar,

Welcome to the official website of Garima Bikas Bank Limited. As you navigate our website, I hope you learn more about the qualities that make our Bank an outstanding provider of essential banking services and a wonderful place to build a career.

Garima Bikas Bank started its operation on 7th Mangsir, 2064 (23rd November, 2007). Since the establishment, our Bank has been adhering to its vision which is “To be the leading development Bank of Nepal by providing access to all”. We are a resource to many, offering advice and support beyond the bank doors. We continue to be focused on building relationships and emphasizing our loyalty as our customers select Garima Bikas Bank as their trusted financial partner.

I believe in good corporate governance and zero tolerance on non-compliance issues. The Bank has shown a growth with continuous improvement in service quality throughout the years and has performed in line with the vision and mission to contribute the nation for sustainable economic development, serve the different category of customers by providing financial access and quality banking products and services, maximize the value of shareholders’ wealth, provide excellent growth opportunities to the employees and meet the expectations of other stakeholders.

I would like to thank all the regulatory bodies and shareholders for their regular support. I would also like to thank the Board of Directors for providing regular guidance and having faith over us and all my fellow employees for their invaluable contribution. As we look ahead to the coming days, our position as a leading National level development bank continues to be strong. We will continue to honor the principles that have served us well over the years.

I will be happy to get feedback and grievances regarding the service quality offered by the Bank.

Thank You!!!

Mr. Madhav Prasad Upadhaya

Vision, Mission & Core Values

We are committed to offer the best of services to customers and to be their first choice.. We have very clear vision, i.e. “Access to All”. We focus on equal access of all peoples who are real seeker of banking services.

Our Vision

"To be the leading development bank of Nepal by providing banking Access to All".

Our Mission

To contribute the nation for the economic development, serve the customers by providing financial access and quality banking products and services, maximize the value of the shareholders' wealth, provide excellent growth opportunities to the employees and meet the expectations of other stakeholders.

Our Core Values

Integrity , Teamwork, Customer Oriented, Professionalism & Community focused.

Branch Inside Valley

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Branch Outside Valley

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ATM Inside Valley

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ATM Outside Valley

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Current and Saving Deposit Products

S.N.	Account Name	Min. Balance	Interest Rate (% p . a)
1	Current Account*	5,000.00	0
2	Margin Account	N/A	0
3	Corporate Call Account	5,000.00	Up to 1.50%
4	Financial Institution Call Account	5,000.00	Up to 1.50%
5	Anibarya Bachat	-	3.05%
6	Home Employee Saving Account	-	3.05%
7	Janakalyan Bachat Khata	-	3.05%
8	Mero Share Bachat Khata	500.00	5.05%
9	Garima Five in One Bachat Khata	1,000.00	4.05%
10	Super Saving	5,000.00	3.05%
11	Staff Saving	-	3.05%
12	General Savings Account	500.00	3.05%
13	Garima Shuva Lava Saving Account	10,000.00	3.25%
14	Garima Dampati Saving Account	10,000.00	3.25%
15	Foreign Remittance Saving Account	1,000.00	6.05%
16	Sworojgar Bachat Khata	500.00	3.05%
17	Foreign Employment IPO Account	1,000.00	6.05%
18	Garima PMS Account	-	5.05%
19	All Other Saving Account Product	100.00	3.05%

Fixed Deposits

Category	Account Name	Tenure	Interest Payment Frequency	Interest Rate (% p.a.)
Individual	Fixed Deposit	3 Months to Below 6 Months	Monthly/Quarterly/Maturity	6.00%
	Fixed Deposit	6 Months to Below 1 Year	Monthly/Quarterly/Maturity	6.25%
	Fixed Deposit	1 Year & Below 2 Years	Monthly/Quarterly/Maturity	7.00%
	Fiexed Deposit	2 years & Above	Monthly/Quarterly/Maturity	7.75%
	Sunaulo Bhabisya Baal Nikcchep Yojana	-	Quarterly	7.00%
	Recurring Deposit	-	Quarterly	7.00%
	Garima Swornim Nikcchep Yojana	-	Quarterly	7.00%
	Garima Surakshit Nikchhep Yojana**	-	Quarterly	6.75%
	Garima Surakshit Nikchhep Yojana**	-	Maturity	7.00%
Institutions	Fixed Deposit	6 Months to Below 1 Year	Monthly/Quarterly/Maturity	5.25%
	Fixed Deposit	1 Year & Below 2 Years	Monthly/Quarterly/Maturity	6.00%
	Fixed Deposit	2 Years & Above	Monthly/Quarterly/Maturity	6.50%
* Minimum Balance of Rs.500 only to customers doing transactions through electronic medium. ** Conditions applied

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Loan Limit	The minimum loan amount to be NPR 0.3 Million and maximum up to Single Obligor Limit
Loan Tenure	The maximum tenure of the loan shall be 10 years.
Repayment	Interest and installment can be paid on EMI basis for SME loans.
Eligibility	This loan may be granted to already established firms/ Partnership firms/ company/ institutions or to new established firms /company /institutions or production manufacturing units.
Basic Documents	The applicant should provide at least the following documents before initiation of the credit proposal. Completed application form of the bank. Firm/Partnership/Company Registration paper. PAN copy Latest tax clearance receipt Article of Associations/Memorandum of Associations (In the case of companies) Board minutes regarding loan amount /Authorize signatory for operation of account Details of the guarantors Copy of citizenship of Proprietor/Partner/Shareholders and the guarantors Last two years audited financials & Three Years projection Title deed of the related parties. Building construction permission from competent authority along with the drawing from engineer /architect and completion certificate in case of outright purchase of land and building Payment receipt of latest land revenue Four boundaries certificate of the proposed collateral security Blueprint of land Trace map of land Other related documents as necessary

Our Journey

Present Scenario

Message from Chief Executive Officer

Vision, Mission & Core Values

Branch Inside Valley

Branch Outside Valley

ATM Inside Valley

ATM Outside Valley

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