Home Loan & SME Loan at fixed 11.99% p.a.

Garima Bikas Bank introduces Garima QR, a game-changing solution that enables businesses to receive instant payments directly into their bank accounts after a customer scans the QR code. With this digital initiative, the bank aims to promote widespread adoption of digital transactions throughout Nepal, enhancing the efficiency and accessibility of financial services.The benefits of Garima QR extend to both customers and businesses. Customers enjoy the convenience of seamless transactions using their mobile devices, while businesses can experience faster payment settlements and improved cash flow. This digital payment method ensures the safety and security of transactions, reducing the risks associated with carrying cash and eliminating the need for physical cards.

Garima Bikas Bank is offering Fonepay QR, Nepal Pay QR Code, MOCO QR etc.

Key Features:

Earn Merchant Rewards on transactions
Instantaneous payments
Digital cashless payments
QR Merchants payments directly into your bank account.
All the payment details and statements can be viewed online via web or mobile app.

How to Become QR Merchant:

Business entity must have an account with the bank.
Submit the PAN and business registration document.
Fill Merchant application Form
Collect the Standee from the respective branches and process for receiving the payment.

Transaction limit:

Method of Transaction	Daily Limit
QR Code Payment	NPR 3 Lakh

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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 Account	5,000	Up to 1.50%
4	Financial Institution Call Account	5,000	Up to 1.50%
5	Anibarya Saving Account	-	3.00%
6	Home Employee Saving Account	-	3.00%
7	Janakalyan Bachat Khata	-	3.00%
8	Mero Share Bachat Khata	500	5.00%
9	Garima 5 in 1 Bachat Khata	1,000	4.00%
10	Super Saving Account	5,000	3.00%
11	Remittance Saving Account	100	3.00%
12	Staff Saving Account	-	3.00%
13	Garima Shuva Lava Saving Acount	10,000	3.20%
14	Garima Dampati Saving Account	10,000	3.20%
15	Foreign Remittance Saving Account**	1000	6.00%
16	Sworojgar Bachat Khata	500	3.00%
17	Foreign Employment IPO Account	1000	6.00%
18	Garima PMS Account	-	5.00%
19	All other Saving Account Product	100.00	3.00%

Fixed Deposits

Category	Account Name	Tenure	Interest Payment	Rate
Individual	Fixed Deposit	3 Months to Below 6 Months	Quarterly	3.75%
	Fixed Deposit	6 Months to Below 1 Year	Quarterly	4.00%
	Fixed Deposit	1 Year to Below 2 Year	Quarterly	4.50%
	Fixed Deposit	2 Years & above	Quarterly	6.50%
	Sunaulo Bhabisya Baal Nikchhep Yojana	-	Quarterly	4.50%
	Recurring Deposit	-	Quarterly	4.50%
	Garima Swornim Nikchhep Yojana	-	Quarterly	4.50%
	Garima Surakchhit Nikchhep Yojana**	-	Quarterly	4.25%
	Garima Surakchhit Nikchhep Yojana**	-	Maturity	4.50%
Institutions	Fixed Deposit	6 Months to Below 1 Year	Quarterly	3.00%
	Fixed Deposit	1 Year & Below 2 Years	Quarterly	3.50%
	Fixed Deposit	2 Years & Above	Quarterly	5.50%

* Minimum Balance of Rs.500 only to customers doing transactions through electronic medium.

** Conditions applied

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