Sarbashrestha Bachat Khata is a premium product of NIC ASIA Bank, which offers lucrative interest and other banking facilities to the general people from various socioeconomic backgrounds. It is an upgraded form of a normal savings account that provides account-holders with never seen or heard deals on interest, loans, insurance, and digital transactions. Sarbashrestha Bachat Khata is designed for 3 major customer segments:
- NIC ASIA Goodwill Ambassador,
- The Pride of NIC ASIA
- The Partner of NIC ASIA
Let’s learn about the benefits that an account-holder with Sarbashrestha Bachat Khata will enjoy.
Benefits of Sarbashrestha Bachat Khata
- Maximum Interest Rate and Minimum balance
An interest rate is one of the most important factors to consider when choosing a savings account. You might have heard, “the greater the interest rate, the faster your savings will grow,” so relating to this, Sarbashrestha Bachat Khata provides customers with the highest interest rate of 8.03% interest rate p.a. However, minimum balance varies in each segment i.e.
- NIC ASIA Goodwill Ambassador- 1 Lakh
- The Pride of NIC ASIA – Rs. 50 thousand
- The Partner of NIC ASIA – Rs. 25 thousand
- Insurance Welfare
Life is uncertain; anyone can suffer tragic events or financial crises. In such circumstances, insurance can help you deal with the financial strain. With Sarbashrestha Bachat Khata, you can get insurance benefits for unexpected events, including accidents, acute or chronic illnesses, and medical treatment.
Sarbashrestha savings account provides medical, accidental, and critical illness coverage for 5 (five) years. However, insurance benefits differ in each category.
Sarbashrestha Bachat Khata offers the following insurance benefits:
- 40 lakhs for accidental and critical illness for NIC ASIA Goodwill Ambassadors.
- 20 lakhs for accidental and critical illness for The Pride of NIC ASIA.
- 10 lakhs insurance for accidents and critical conditions for The Partner of NIC ASIA.
For medical insurance:
- 4 lakhs (OPD 80,000 and Hospitalization 3,20,000) NIC ASIA Goodwill Ambassadors.
- 2 lakhs (OPD 40,000 and Hospitalization 1,60,000) in The Pride of NIC ASIA.
- 1 lakh (OPD 20,000 and Hospitalization 80,000) in The Partner of NIC ASIA.
Further, insurance coverage is provided to:
- The account holder and three additional persons in the NIC ASIA Goodwill Ambassador category
- The account holder and additional one person in the Pride of NIC ASIA category
- Only the account holder in the Partner of NIC ASIA category
- Amazing Loan benefits
Loans are taken for various purposes, including education, home buying/improvement, and other personal needs. You can get wonderful loan-related perks with Sarbashrestha Bachat Khata, which include a pre-approved loan limit (10 times the average balance of the previous three months) and a low Loan Processing Fee of 0.25 % with an interest rate of base rate + 1%.
- Digital Banking Services
Digital banking services allow you to access banking services whenever you want. This has made payment, fund transfer, and bank statement access easier for the customers. Sarbashrestha Bachat Khata account-holder can enjoy free services like Debit cards, Mobile Banking, Internet Banking, Credit Card, Prepaid Dollar Card, ATMs, etc., for five years. Account-holders will also enjoy benefits on FCY Exchange rebate/premium (limited to USD, GBP, EUR, CAD, and AUD only), E-Commerce Activation and Annual Charge, Free Cheque Processing, RTGs, and IPS/CIPS/Fund Transfer.
- Wealth Maximization
With Sarbashrestha Bachat Khata of NIC ASIA Bank, you can avail various services to maximize your wealth with Flexi fixed facilities, 50% discount on portfolio management service for five years, free DEMAT Account for five years and free Mero Share usage for five years.
To look for more benefits of Sarbashrestha Bachat Khata, you can click on this link. If you feel satisfied with the benefits, click here and open your Sarbashrestha Savings Account.
Why choose NIC ASIA Bank to open an online bank account in Nepal?
NIC ASIA Bank is a leading commercial bank in Nepal, offering the best savings account, loans, digital banking services, and many other facilities. NIC ASIA Bank has grown large in the recent decade and has brought upgrades in all its services, especially in its online banking services. You can open any type of bank account anytime using online services or physically by visiting the Bank.
If you are looking for the best savings account in Nepal, then “Sarbashrestha Bachat Khata” is the best option. In fact, Sarbashrestha Bachat Khata is where your search ends if you want to open a bank account online that also serves as the best interest savings account in Nepal.
To add more, Sarbashrestha Bachat Khata- The most-benefiting product of NIC ASIA Bank, has made the bank gain the tag of “bank with the highest interest rate on a savings account.”
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