Introduction

Garima Bikas Bank Ltd. was established by a group of enthusiastic, dedicated and successful professionals and entrepreneurs from different fields including business, teaching, engineering, doctors, banking, accounting, management etc. We are multicultural, multilingual members of our communities. Our rich diversity is our strength.

Garima Bikas Bank employees are approachable, personable and knowledgeable. We encompass an ever expanding range of business expertise and personal experience. We have a long history and our ability to adapt and grow has enabled us to respond to changing markets, explore new technologies, and engage new communities. Throughout each change, our unwavering commitment to customer service has been our guiding principle.

Deliver wonderful banking service to its customers through state of the art technology.
Satisfy all the stakeholders with healthy and sustainable value creation.
To make our vision come true through professional integrity, corporate governance and regulating compliance

Our Journey

Garima Bikas Bank Limited, a National Level Development Bank, then headquarter stationed at Waling, Syangja, commenced its commercial operations on 18th Kartik 2064 and formal inauguration had taken place on 7th Marg 2064. The Bank, which started its banking transactions with a paid up capital of Rs. 26.5 million only, had initially covered three districts i.e. Syangja, Palpa and Kaski as a Regional Level Development Bank and its business coverage area was expanded to 10 districts on 20th Chaitra 2068. The Bank was struggling to provide the banking services to the large strata of the customers in line with its Corporate Slogan of “Access to All” due to limited business coverage area and inadequate service distribution outlets. Therefore, it set a strategic plan to be a National Level Development Bank and merged erstwhile Nilgiri Bikas Bank Limited, headquartered at Beni, Myagdi on 29th Asadh 2072 and commenced the transactions as a National Level Development Bank. Later, it merged Subekshya Bikas Bank Limited having its Head Office at Narayangarh on 4th Aswin 2073 with the objectives of strengthening its capital base, expanding the branch locations and enhancing the business. The Bank recently acquired the Sahara Bikas Bank Limited, located at Malangwa, Sarlahi, which is expected to be supportive to the Bank in having strategic presence of the Bank in the Province 2.

Present Scenario

Our head office is located at Kathmandu 02, Lazimpat, Kathmandu. Presently, the bank has a banking network of 121 branches and 49 ATMs which are strategically located for the convenience of the customers.

Message from Chief Executive Officer

Garima Namaskar,

I would like to express my sincere gratitude to the all stakeholders, customers, shareholders, regulatory bodies and the employees of Garima Bikas Bank Limited for their contribution in making our bank as one of the best national level development bank of Nepal.

As we have very clear vision, i.e. 'Access to All', we are equally focused on providing qualitative banking facilities to all customers with the equal respect. As a result, our bank has consistently posted healthy growth in the balance sheet each year and will continue to do so further.

Thank You!!!

Mr. Govinda Prasad Dhakal

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.

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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
1	Current Account*	5,000	0
2	Margin Account- Guarantee	N/A	0
3	Corporate Call	5,000	Up to 3.30%
4	Financial Institution Call	5,000	Up to 3.30%
5	Personal Saving	100	6.60%
6	Anibarya Saving	-	6.60%
7	Bhabisya Surakchhit	100	6.60%
8	Bal Bachat Saving Account	100	6.60%
9	Senior Citizen Saving A/C	100	6.60%
10	Home Employee Saving	-	6.60%
11	Garima Nari Saving	100	6.60%
12	Janakalyan Bachant Khata	-	6.60%
13	Mero Share Bachat Khata	500	8.60%
14	Super Saving	5,000	6.60%
15	Remittance Saving Account	100	6.60%
16	Staff Saving	-	6.60%
17	General Savings Account	500	6.60%
18	Public Saving	100	6.60%
19	Social Development Account	100	6.60%
20	Garima Shuva Lava Saving Acount	10,000	6.80%
21	Garima Dampati Saving Account	10,000	6.80%
22	Garima Sajilo Savings Account**	100	6.60%
23	Foreign Remittance Saving Account**	1000	9.60%
24	Sahara Bachat Khata	100	6.60%
25	Sworojgar Bachat Khata	500	6.60%
26	Foreign Employment IPO Account	1000	9.60%
27	Garima PMS Account	-	8.60%

Fixed Deposits

Category	Account Name	Tenure	Interest Payment	Rate
Individual	Fixed Deposit	Below 1 Year	Monthly/Quarterly/Maturity	11.50%
	Fixed Deposit	1 Year & above	Monthly/Quarterly/Maturity	11.60%
	Foreign Remittance FD Account**	Below 1 Year	Monthly/Quarterly/Maturity	12.50%
	Foreign Remittance FD Account**	1 Year & above	Monthly/Quarterly/Maturity	12.60%
	Sunaulo Bhabisya Baal Nikcchep	-	Quarterly	11.60%
	Recuring Fixed Deposit	-	Quarterly	11.60%
	Garima Swornim Nikcchep yojana		Quarterly	11.60%
Institutions	Fixed Deposit	Below 1 Year	Monthly/Quarterly/Maturity	9.50%
	Fixed Deposit	1 Year & above	Monthly/Quarterly/Maturity	9.60%

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Country	Unit	CB RATE FOR DENOMINATION LESS THAN 50	CB RATE FOR DENOMINATION 50 & ABOVE AND NCB RATE	Sell
USD	1	131.6	131.6	132.2
EUR	1	141.95	141.95	143.3695
GBP	1	161.3	161.3	162.913
CHF	1	142.2	142.2	143.622
AUD	1	87.72	87.72	88.5972
CAD	1	96.65	96.65	97.6165
SGD	1	98.6	98.6	99.586
JPY	1	0.988	0.988	0.99788
CNY	1	19.02	19.02	19.2102
SAR	1	34.81	34.81	35.1581
QAR	1	35.92	35.92	36.2792
THB	1	3.8	3.8	3.838
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MYR	1	29.66	29.66	29.9566
KRW	1	0.1	0.1	0.101
SEK	1	12.49	12.49	12.6149
DKK	1	18.98	18.98	19.1698
HKD	1	16.7	16.7	16.867
KWD	1	426.48	426.48	430.7448
BHD	1	347.22	347.22	350.6922
INR	100	160	160	160.15

Introduction

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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