- Interest Rate: As per published
- Minimum Balance: 10,000
- Interest Payment: Quarterly and Lump Sum
Garima Surakchhit Nikchhyap Yoajana is a one-year fixed deposit (FD) offering from GBBL that provides several insurance benefits along with the highest interest rate. It is a financial product designed to help customers safeguard their investments and enjoy attractive returns over a period of twelve months.
Insurance Plan:
S.N.
Amount
Interest Rate
Hospitalized charge
(Bed Charge)
Accidental Insurance
Surgery Facility
Quarterly
Lump sum
Minor
Medium
Major
1.
10,000 to 99,999.00
As Published
As Published
N/A
100,000.00
N/A
N/A
N/A
2.
100,000.00 to 199,999.00
As Published
As Published
600.00
100,000.00
7,000.00
14,000.00
21,000.00
3.
200,000 to 299,999.00
As Published
As Published
1200.00
200,000.00
7,000.00
14,000.00
21,000.00
4.
300,000.00 to 399,999.00
As Published
As Published
1800.00
300,000.00
7,000.00
14,000.00
21,000.00
5.
400,000.00 and above
As Published
As Published
3000.00
400,000.00
7,000.00
14,000.00
21,000.00
S.N. | Amount | Interest Rate | Hospitalized charge (Bed Charge) | Accidental Insurance | Surgery Facility | |||
Quarterly | Lump sum | Minor | Medium | Major | ||||
1. | 10,000 to 99,999.00 | As Published | As Published | N/A | 100,000.00 | N/A | N/A | N/A |
2. | 100,000.00 to 199,999.00 | As Published | As Published | 600.00 | 100,000.00 | 7,000.00 | 14,000.00 | 21,000.00 |
3. | 200,000 to 299,999.00 | As Published | As Published | 1200.00 | 200,000.00 | 7,000.00 | 14,000.00 | 21,000.00 |
4. | 300,000.00 to 399,999.00 | As Published | As Published | 1800.00 | 300,000.00 | 7,000.00 | 14,000.00 | 21,000.00 |
5. | 400,000.00 and above | As Published | As Published | 3000.00 | 400,000.00 | 7,000.00 | 14,000.00 | 21,000.00 |
Conditions:
- This Policy is applicable only after 30 days from the date of FD opened
- Not applicable for age group above 60 years
- Daily Medical Treatment facility up to 45 days
- Medical claim of Eye and Dental problems not applicable in this policy
- Not applicable for Pregnant case, Abnormal Person, HIV Aids, Drunk person, organ transplantation, suicide etc
- Others Condition Applicable as per Himalayan General Life Insurance
Requirements for Individuals:
- Completed FD account opening form
- Two Passport photograph (for new customer)
- Valid means of identification ; Citizenship ID or Passport
- Birth Certificate or age verifying document in case of minor and copy of Citizenship of the Guardian
- Nominee Citizenship copy & one Passport size Photo (Nominee not mandatory)
For more information, you can contact us at our Call Center 01-5970179
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 in charge or branch manager with following actions:
- The interest rate applicable will be normal saving account’s rate which is less than the closet prevailing rate for the completed period.
- In case of non-renewal of Garima Swastha Surakshit Nikchep Yojana, branch should inform head office Finance Department for cancellation of insurance.
