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 50 ATMs which are strategically located for the convenience of the 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. At present more than 6 lacs customers from different regions of Nepal are associated with the Bank. We have 121 branch outlets and 50 ATM terminals spread across the country.

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. 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.

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
1	Current Account*	5,000	0
2	Margin Account- Guarantee	N/A	0
3	Corporate Call	5,000	Up to 3.00%
4	Financial Institution Call	5,000	Up to 3.00%
5	Personal Saving	100	6.00%
6	Anibarya Saving	-	6.00%
7	Bhabisya Surakchhit	100	6.00%
8	Bal Bachat Saving Account	100	6.00%
9	Senior Citizen Saving A/C	100	6.00%
10	Home Employee Saving	-	6.00%
11	Garima Nari Saving	100	6.00%
12	Janakalyan Bachant Khata	-	6.00%
13	Mero Share Bachat Khata	500	8.00%
14	Super Saving	5,000	6.00%
15	Remittance Saving Account	100	6.00%
16	Staff Saving	-	6.00%
17	General Savings Account	500	6.00%
18	Public Saving	100	6.00%
19	Social Development Account	100	6.00%
20	Garima Shuva Lava Saving Acount	10,000	6.20%
21	Garima Dampati Saving Account	10,000	6.20%
22	Garima Sajilo Savings Account**	100	6.00%
23	Foreign Remittance Saving Account**	1000	9.00%
24	Sahara Bachat Khata	100	6.00%
25	Sworojgar Bachat Khata	500	6.00%
26	Foreign Employment IPO Account	1000	9.00%
27	Garima PMS Account	-	8.00%

Fixed Deposits

Category	Account Name	Tenure	Interest Payment	Rate
Individual	Fixed Deposit	Below 1 Year	Monthly/Quarterly/Maturity	10.50%
	Fixed Deposit	1 Year & above	Monthly/Quarterly/Maturity	10.60%
	Foreign Remittance FD Account**	Below 1 Year	Monthly/Quarterly/Maturity	11.50%
	Foreign Remittance FD Account**	1 Year & above	Monthly/Quarterly/Maturity	11.60%
	Sunaulo Bhabisya Baal Nikcchep	-	Quarterly	10.60%
	Recuring Fixed Deposit	-	Quarterly	10.60%
	Garima Swornim Nikcchep yojana		Quarterly	10.60%
Institutions	Fixed Deposit	Below 1 Year	Monthly/Quarterly/Maturity	8.50%
	Fixed Deposit	1 Year & above	Monthly/Quarterly/Maturity	8.60%

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S.N	Deposit Amount (NPR)	Quarterly Interest	At Maturity Interest	Hospitalized charged (Bed Facility)	Accidental Insurance	Surgical Facility Minor	Surgical Facility Medium	Surgical Facility Major
1	10,000.00 to 99,999.00	10.35%	10.60%	N/A	1,00,000	N/A	N/A	N/A
2	1,00,000.00 to 1,99,999.00	10.35%	10.60%	600	1,00,000	7,000	14,000	21,000
3	2,00,000.00 to 2,99,999.00	10.35%	10.60%	1,200	2,00,000	7,000	14,000	21,000
4	3,00,000.00 to 3,99,999.00	10.35%	10.60%	1,800	3,00,000	7,000	14,000	21,000
5	4,00,000.00 and Above	10.35%	10.60%	3,000	4,00,000	7,000	14,000	21,000

S.N.	Name of Products	Interest Rate
1	Loan Against FDR	Coupon Rate + 2.00%
2	Loan Against Deposit	Coupon Rate + 2.00%
3	Consortium Loan	As per Agreement
4	Force Loan	Base Rate + 8.00% Premium
5	All other Loan Products	Base Rate + Premium up to 5.00%
	Base Rate (Chaitra End 2079)	12.44%

Consumer Personal loan (Fixed Rate per annum)	Up to 5 years	5-10 years	10-15 years	Above 15 Years
Home Loan	14.00% to 15.75%	14.25% to16.00%	14.45% to 16.00%	14.75% to 16.00%
Hire Purchase/ Auto Loan	15.25% to 16.00%	15.25% to 16.00%	-	-
Personal Term/ Mortgage/ Demand Loan	14.00% to 15.75%	14.25% to 16.00%	14.50% to 16.00%	14.75% to 16.00%
Education Loan	13.75% to 15.75%	14.25% to 16.00%	14.75% to 16.00%	-
Baideshik Rojgar Karja	13.75% to 15.75%	14.25% to 16.00%	-	-

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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Interest Rates

Effective from 1st Jestha 2080

1. Current and Saving Deposit Products

2. Fixed Deposits

3. Garima Swasthya Surakshit Nikchhep Yojana (1 Year Fixed Deposit) (Conditions are applicable.)

4. FCY Deposit

5. Loan And Advances

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