The “Civil Bank Naya Bachat Khata” is a savings account that can be opened by individual depositors. The target market of this savings account includes individuals from all walks of life who require a decent return on their deposits, require the flexibility to deposit or withdraw funds and enjoy the salient features associated with the product. The target market specifically includes the unbanked population of the country and those that are wanting to invest or have invested in shares and other types of securities. This product aims to create a healthy savings habit of the customers while offering an attractive rate of interest and compete in the marketplace. This would increase the overall deposit figures of the Bank to remain competitive and maintain the regulatory requirement of the retail-institutions deposit ratio.

Basic Eligibility Criteria

Customer holding balance of NPR 75000

  • Free Chequebook.
  • Accidental death/ Permanent Disability insurance up to NPR 500,000/- or four times the deposit amount (maintained at the time of accidental death), whichever is lower.
  • Free MasterCard Debit Card for the 1st year.
  • Free Internet Banking for the 1st year.
  • Free Mobile Banking for the 1st year.
  • Unlimited Deposit/ Withdrawals.
  • Deposit insurance up to NPR 200,000/- through Deposit and Credit Guarantee Fund.
  • 25% discount on Safe Deposit Lockers[1] (discount on rental charge, key deposit in full is to be taken from the customer, small sized locker only).


Rates & Fees

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


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