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

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%

S.N.

Account Name

Min. Balance

Interest Rate (% p . a)

Current Account*

5,000.00

Margin Account

N/A

Corporate Call Account

5,000.00

Up to 1.50%

Financial Institution Call Account

5,000.00

Up to 1.50%

Anibarya Bachat

3.05%

Home Employee Saving Account

3.05%

Janakalyan Bachat Khata

3.05%

Mero Share Bachat Khata

500.00

5.05%

Garima Five in One Bachat Khata

1,000.00

4.05%

Super Saving

5,000.00

3.05%

Staff Saving

3.05%

General Savings Account

500.00

3.05%

Garima Shuva Lava Saving Account

10,000.00

3.25%

Garima Dampati Saving Account

10,000.00

3.25%

Foreign Remittance Saving Account

1,000.00

6.05%

Sworojgar Bachat Khata

500.00

3.05%

Foreign Employment IPO Account

1,000.00

6.05%

Garima PMS Account

5.05%

All Other Saving Account Product

100.00

3.05%

Garima Digi Batuwa

Garima Digi Batuwa is an innovative and versatile digital banking solution provided by Garima Bikas Bank Limited. Designed to offer seamless banking experiences, it empowers customers to manage their finances conveniently through multiple channels. Whether you prefer using your mobile device or a web browser, Garima Digi Batuwa ensures a unified experience, utilizing the same username and password for easy access. With Garima Digi Batuwa, you gain effortless control over a comprehensive range of banking activities, all at your fingertips. Experience the freedom of handling your finances with just a single click. Some of the popular services and features offered by Garima Digi Batuwa include:

Balance Inquiry: Stay up-to-date with your account balance anytime, anywhere, without the need to visit a physical branch.
Interbank Fund Transfer: Seamlessly transfer funds between your Garima Bikas Bank accounts or to other banks, eliminating the hassle of traditional methods.
Utility Payments: Make hassle-free payments for essential utilities such as electricity bills, water bills, traffic chits, internet bills, TV bills, and more, ensuring timely transactions with ease.
Mobile Top-Up: Recharge your mobile phone instantly, directly from the Garima Digi Batuwa platform, ensuring connectivity is never interrupted.
Airplane/Bus/Cable Car Ticketing: Book your travel tickets conveniently, whether it's for an airplane, bus, or cable car, all within the Garima Digi Batuwa application.

Garima Digi Batuwa revolutionizes the way you manage your finances, simplifying your banking needs while providing security and efficiency. Embrace the power of technology and enjoy a seamless banking experience with Garima Digi Batuwa. Sign up today and experience the future of digital banking. Moreover, Garima Digi Batuwa can be downloaded from Play Store (Android Phone) and App Store (IOS Phone) as well as can be logged in from web browser. This application supports both Web-based (online) and SMS based (offline).

Additional Information:

Please click on the link below to login Garima Digital Batuwa in web version: https://digitalbatuwa.garimabank.com.np/

Transaction Limit:

Per Txn	NPR 100,000.00
Daily Txn	NPR 300,000.00
Monthly Txn	NPR 30,00,000.00

For New Subscription from Abroad:

Customer staying in abroad and wants to use the service of Garima Digi Batuwa (Mobile or Web version), they have to submit the signed application form (https://shorturl.at/cejG4) along with passport copy shall be sent to bank's branches mail: https://www.garimabank.com.np/branch or any of below mail info@garimabank.com.np, card@garimabank.com.np, gunaso@garimabank.com.np

In addition, The customer has to register their valid mobile number of Nepal and email address at the time of account opening. However, the OTP can be received via the registered email address.

Transaction Limit for abroad residing:

Profile Feature	Status	Limit Per Day	Profile Features	Status	Limit Per Day
Wallet	Allowed	10,000.00	Invoice History	Allowed	N/A
NPI Transfer	Allowed	10,000.00	My Account	Allowed	N/A
Send Money	Allowed	50,000.00	Complain	Allowed	N/A
Interbank Transfer	Allowed	50,000.00	Activity Log	Allowed	N/A
Schedule Payment	Allowed	50,000.00	Products	Allowed	N/A
IPS Transfer	Allowed	50,000.00	Balance Inquiry	Allowed	N/A
Mini Statements	Allowed	N/A	Fixed Deposit	Allowed	N/A
Requests	Allowed	N/A	Digital Cheque	Allowed	N/A
Default	Allowed	N/A	Payments	Not Allowed	N/A
Account Statement	Allowed	N/A	Smart Payments	Not Allowed	N/A
Settings	Allowed	N/A	Scan to Pay	Not Allowed	N/A
Favorite Account	Allowed	N/A	Alert	Email Alert	N/A

Security Measures and Tips:

Do not give app access to unknown users.
Always download the application from secured sources like Play Store and App Store.
Downloading application from 3rd party or from unknown sources should be avoided
While accepting collection request care should be taken to ensure that correct recipient has been approved
Don’t forget to inform the bank about your new mobile number in case your mobile number is changed to ensure that you receive SMS notifications
Be cautious while accepting offers such as caller tunes or dialer tunes or open/download emails or attachments from known or unknown sources
Don’t store sensitive information such as Credit Card details, Mobile Banking password, user ID etc. on your phone /computer.
Change your Password and PIN regularly
Be cautious while using Bluetooth in public places as someone may access your confidential data/information
Don’t click on links embedded in emails/ social networking sites claiming to be from the bank.

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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