“Civil Bank Mero Bachat Khata” is an interest bearing Normal Savings Account that is primarily designed for individuals to inculcate a savings habit for the future in order to facilitate accumulation of funds over a period of time. There is no restriction on withdrawal, and the accountholder may deposit or withdraw their funds at any time. The product was launched in the year December 9, 2010. The target of this product was for general customer who don’t wish to hold high minimum balance. The product has the highest number of customer base and it has been reviewed that it shall be continued to be offered to new customers as well.

Basic Eligibility Criteria

Customer holding balance of NPR 500/-

  • Accidental death/permanent disability insurance up to NPR 0.5 Million or up to four times the deposit amount maintained at the time of accidental death whichever is lower.
  • Free Cheque book.
  • Free Internet Banking for the 1st year.
  • Free Mobile Banking for the 1st year.
  • Free MasterCard Debit Card for the 1st year.
Rates & Fees

Rate of Interest: 6.00%
Interest Rate Calculation: Daily basis
Interest Rate Posting: Quarterly basis


All documents as per the Bank’s KYC Policy and the directives of Nepal Rastra Bank.