December 10th 2018
२४ मंसिर २०७५

Fixed Deposits

Garima Fixed Deposit Account is high interest bearing account where customers make deposit for stipulated time duration. The duration of deposit may be as short as 3 months and as long as the customer desire to make deposit. The rate on the deposit is negotiable if customer desire to make deposit for longer duration of time. Garima Fixed deposit; account and watch customer money grow in a secured way. Fixed deposit schemes provide you greater earnings along with the benefit of credit facility up to 90% of Fixed Deposit to meet short term financial needs.

S.N Account Name Code Minimum Balance Interest Payment
Quarterly Lump sum
1. FD 3 months 20 NPR 10,000.00 N/A As Published
2. FD 6 months 21 NPR 10,000.00 N/A As Published
3. FD 9 months 22 NPR 10,000.00 N/A As Published
4. FD 1 Year 23 NPR 10,000.00 As Published As Published
5. FD 2-5 Years 24-27 NPR 10,000.00 As Published As Published
6. FD Above 5 Years 28 NPR 10,000.00 As per Agreement
7. Special FD (1 year) 29 NPR 2,000,000.00 As Published As Published
8. FD 200 Days 2B NPR 100,000.00 N/A As Published
9. FD 300 Days 2C NPR 100,000.00 N/A As Published
  1. All Nepalese Individual
  2. Firms/Companies/ Profit Organization/ Non-Profit Organization not for BFI’s
  1. For Individuals
  1. Completed FD account opening form
  2. Two Passport photograph (for new customer)
  3. Valid means of identification ;  Citizenship ID or Passport
  4. Birth Certificate or age verifying document in case of minor and copy of Citizenship of the Guardian
  5. Nominee Citizenship copy & one Passport size Photo (Nominee not mandatory)
  1. For Firms/Companies/Organizations
  1. Completed FD account opening form
  2. Copy of the Firm / Company / Organization Registered and renewal of it if applicable
  3. Copy of PAN certificate
  4. Minute of Board in case of company
  5. Copy of Citizenship individual / proprietor / Authorized directors of the Company
Pre Matured Fixed Deposit
In a situation when fixed deposit is not due for payment but client is requesting for payment he/she should be explained about loss of interest. Instead by liquidating fixed deposit he/she should be advised to avail advance/loan against the Fixed Deposit Receipt. Even if the customer does not agree the FDR can be liquidated after taking approval of operation incharge or branch manager with following actions:
1. The interest rate applicable will be normal saving account’s rate which is less than the closet prevailing rate for the completed period.
2. The excess interest paid previously should be deducted from the principle amount against the following entry:
DR      Depositor's Account
                        CR       Interest Expense on Fixed Deposit
3. In case of Garima Swastha Surakshit Nikchep Yojana, branch should inform head office for cancellation of insurance.

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Fri 10.00 AM to 3.00 PM
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Fri 10.00 AM to 2.30 PM

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