Saving Deposit



Introduction

This product is aimed to facilitate the working people/employees/labors of different institutions like factory/hotels/schools/hospitals/colleges/companies/ and every other organizations for their salary payment purpose as well as to develop a saving habit out of their hard earned money. Having Jyoti Bumper Saving Account in Jyoti Bikash Bank Ltd. prevail the customers to get competitive rate of return in their staff saving account as well as they will be facilitated with many other modern banking products and services of the Bank.



This product will serve as a salary management account for the organizations which will help them in hassle free salary distribution to their staffs/employees. Upon their request Bank will open salary accounts and facilitate such organizations by crediting the salary amount in their employees’ accounts as per the payroll sheet/instruction provided by them. Besides, bank will provide the competitive interest rate along with many other benefits in such salary accounts. This account can also be a model product for those who prefer safe earning from their savings. Bank will open the account in zero minimum balance providing interest on daily closing balance. This way Bank will create the win-win situation as the customer can be benefited with the competitive rate of return in terms of interest rate and bank will be benefited with the mixture of sustainable retail deposit.



  • Special rebate in foreign currency transaction with JBBL
  • Accidental Insurance coverage of NPR 100,000.00 for first year.
  • Account can be opened from any of the JBBL branches
  • Competitive rate of return
  • 50% discount on Annual Locker Charge and waiver in Locker Margin Charge
  • Free Mobile Banking issuance
  • Free Visa Debit Card issuance
  • Free Cheque Book issuance
  • Free ABBS facility
  • Free e-banking facility
  • On demand account statement
  • C-ASBA service
  • ECC service



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Introduction

"Staff Saving Account" is an account for the staff of JBBL.






  • Free ABBS facility
  • Free issuance of ATM Visa Debit Card facility
  • Free cheque book facility
  • Free Internet Banking service/Mobile Banking service
  • 50% discount in Annual Safe Deposit Locker Charge and no key deposit
  • SMS/Mobile Banking Service


  • Apply
    Introduction

    We have designed Dibya Jyoti Bachat Khata targeting Nepalese youth from different walks of lives.





    • Free issuance of ATM Visa Debit Card
    • Free internet banking facility
    • 50% discount on both the Key deposit availing safe deposit locker facility and it’s annual rental charge
    • Free cheque book facility
    • On demand account statement
    • Unlimited withdrawal/ deposit facility
    • ABBS service
    • SMS/Mobile Banking Service



    Apply
    Introduction

    Jyoti Bal Bachat khata is always committed to strengthen and support the bright and prosperous future of the children.





    • As a gift for the children as well as to develop the habit of saving amongst them, we will provide them Khutruke (Piggy Bank) at the time of account opening
    • Discount Card will be provided to the children. This card can be used in order to get discounts at different schools, book shops, game house, restaurants, and kids wear etc.
    • Free Internet banking facility
    • SMS/Mobile Banking Service



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    Introduction

    Jyoti Bal Kalyan Bachat Khata is always committed to strengthen and support bright and prosperous future of the children, who are the true assets of the Nation. This product will serve as an ideal option to cultivate the habit of banking and saving amongst the parents/guardians/children. With this aim, we have designed this product specifically targeted to all the children below 16 years.






  • Khutruke (Piggy Bank) at the time of account
  • Discount Card will be provided to the children. This card can be used in order to get discounts at different schools, book shops, game house, restaurants, and kids wear etc.
  • Free ABBS Service
  • Free cheque book facility
  • Free Internet banking facility
  • SMS/Mobile Banking Service


  • Apply
    Introduction

    We have designed Jestha Nagarik Khata to entice our Senior Citizens with age group of 50 years and above. Through this product, we intend to attract senior citizens with regular income need by providing them with our hassle-free banking service.





    • Free ABBS Service
    • Safe Deposit Locker facility
    • Free Internet banking facility
    • SMS/Mobile Banking Service
    • ATM Visa Debit Card Service



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    Introduction

    Jestha Nagarik Samman Khata is designed to entice our Senior Citizens with age group of 50 years and above, for savings to meet their present and future financial need, be it for a special purpose or those unexpected emergencies or long-term financial security, this product is the right plan for them.






  • Free issuance of ATM Visa Debit Card
  • Free Internet Banking facility
  • Free ABBS Service
  • No key deposit on availing safe deposit locker facility and 50% discount on annual rental charge
  • Special discount on Loan Processing Fee (Up to 50%)
  • Accidental Death Insurance coverage of Rs.100, 000/-
  • Free Cheque Book facility
  • SMS/Mobile Banking Service


  • Apply
    Introduction

    Jyoti Ansiyar Bachat Khata is a normal savings account designed for our valuable shareholders.





  • Free Internet banking facility
  • Free Cheque book facility
  • 50% discount on both the Key deposit availing safe deposit locker facility and it’s annual rental charge
  • Free issuance of ATM Debit Card for promoters
  • Free ABBS Service
  • SMS/Mobile Banking Service


  • Apply
    Introduction

    Jyoti Dampati Bachat Khata is designed for newly and existing married couples who wish to save their money for better future.





    • Accidental death insurance for NPR 100,000.00/-
    • Free Internet banking facility
    • 50% discount on both the Key deposit availing safe deposit locker facility and it’s annual rental charge
    • ATM Visa Card Service
    • SMS/Mobile Banking Service
    • On demand account statement
    • On demand Cheque book



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    Introduction

    "Jyoti Karmachari Bachat Khata" is a special packaged normal savings account targeted to the staffs of any organization (profit making, non-profit making, government, non-government, schools, colleges, hospitals etc.)





    • Free Internet banking facility
    • Free Cheque book facility
    • 50% discount on both the Key deposit availing safe deposit locker facility and it’s annual rental charge
    • Free issuance of ATM Debit Card for promoters
    • Free ABBS Service
    • SMS/Mobile Banking Service
    • On demand account statement
    • Unlimited withdrawal/ deposit facility
    • Free ATM Visa Debit Card issuance



    Apply
    Introduction

    We have designed “Jyoti Super Premium Khata” to capture customers of all age groups.





    • Free internet banking facility
    • ABBS Service
    • Safe Deposit Locker facility
    • Free cheque book facility
    • On demand account statement
    • Unlimited withdrawal/ deposit facility
    • ATM Visa Debit Card facility
    • SMS/Mobile Banking Service



    Apply
    Introduction

    We have designed attractive and competitive annual interest yielding product “Jyoti Super Premium Bachat Khata” to capture wide range of customers seeking higher interest rate on their deposit.





    • Free internet banking facility
    • Free ABBS Service
    • No key deposit on availing safe deposit locker facility and 50% discount on annual rental charge
    • Free cheque book facility
    • On demand account statement
    • Unlimited withdrawal/ deposit facility
    • Free issuance of ATM Visa Debit Card
    • SMS/Mobile Banking Service



    Apply
    Introduction

    Jyoti Sadharan Bachat Khata is a normal savings account for those customers who want to deposit and withdraw money without any hassle.





    • Free Internet banking facility
    • Cheque book facility
    • On demand account statement
    • Unlimited withdrawal/ deposit facility
    • ABBS Service
    • Cheque Clearing Facility
    • SMS/Mobile Banking Service



    Apply
    Introduction

    This product is specially designed to facilitate banking service to the ladies/women who seek quality banking in their day to day lives.





  • Free ABBS facility
  • Free issuance of ATM Debit Card facility
  • Free cheque book facility
  • Free Internet Banking service
  • 50% discount in Annual Safe Deposit Locker Charge
  • SMS/Mobile Banking Service


  • Apply
    Introduction

    Sawari Chalak Surakchya Khata (Driver’s Security Account) is a Saving Deposit Product launched with a view to cater to the deposit of people involved in the profession of driving. DSA can be opened by any individuals who are Nepalese citizens and are involved in the profession of driving.





    • Free accidental death insurance of NPR 100,000.00
    • The drivers after opening the account and conducting satisfactory transaction for at least 6 months can apply for Hire Purchase Loan to purchase vehicles of their own
    • Free T-shirts and Key Rings at the time of account opening
    • Free internet banking facility
    • SMS/Mobile Banking Service



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    Introduction

    We have designed “Jyoti Premium Bachat Khata” to capture customers of all age groups.






  • Free Internet banking facility
  • Cheque book facility
  • On demand account statement
  • Unlimited withdrawal/ deposit facility
  • ABBS Service
  • Cheque Clearing Facility
  • SMS/Mobile Banking Service


  • Apply
    Introduction

    This product is aimed to facilitate the individuals who are willing to invest in shares through Application Supported By Blocked Amount (ASBA) system “Jyoti ASBA Bachat Khata” to capture customers of all age groups.





    • Account can be opened from any branch i.e. Khotang to Jajarkot
    • ASBA service can be taken from any branches of JBBL
    • Share Refund amount/amount received from sales of shares can be deposited in this account
    • ASBA form available in the Bank’s website
    • Competitive rate of return
    • On demand account statement
    • Mobile Banking service
    • ATM Visa Debit Card facility
    • Free Cheque Book issuance
    • Free ABBS facility
    • Free e-banking facility



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    Introduction

    We have designed Jyoti Dampati Bachat Yojana to meet newly and existing married customers' present and future needs.





    • Surprise gift for couple on opening of JDBY account on their wedding day
    • Accidental death insurance for NPR 100,000.00/-
    • Free Internet banking facility
    • No key deposit on availing safe deposit locker facility & 50% waiver in Annual Locker Charge
    • Free issuance of ATM Visa Debit Card
    • Free ABBS Service
    • 0.50% waive on loan service charge
    • Social loan up to 100% of minimum balance on facilitative interest rate
    • SMS/Mobile Banking Service



    Apply
    Introduction

    This product is specially designed to facilitate the banking service to the ladies/women who seek quality banking in their day to day lives.





    • Unlimited deposits and withdrawal facility
    • Free ABBS facility
    • Free issuance of ATM Visa Debit Card facility
    • Free cheque book facility
    • Free Internet Banking service
    • 50% discount in Annual Safe Deposit Locker Charge and no requirement of Locker Key Deposit
    • SMS/Mobile Banking Service



    Apply
    Introduction

    • As per NRB Unified Directives  2075 ,  E Pra . Directives No . 6/075 and 19/075 and  Amendment  made on 2075, Chaitra-27 on the same  through circular no  Ba.Bi.NI.BI Niti Paripatra/KAKHAGA/22/075/75 regarding opening arrangement of new account for those customer who have not maintained their account at any bank and financial institution of the country   , We Jyoti Bikash Bank Limited , propose  to introduce  new savings account product named "JYOTI SAMRIDDHI BACHAT KHATA" in line with the directives of Nepal Rastra Bank .  This product is aimed to facilitate all the Nepalese Citizens who don't have any account in any banking institutions. The transaction limit of JYOTI SAMRIDDHI BACHAT KHATA is limited to Rs.100000.00 (In words One Hundred Thousand Only) per annum. KYC and other required documents should be updated if the transaction limit exceeds.



    This product will be served to all the Nepalese Citizens who don't have any account in any banking institutions. As per NRB circular, JBBL can reward Rs.100.00  to  new savings  account opened under “Kholau Bank Khata Abhiyan 2076”  to the customer who has not maintained their  account in any bank and financial institution in Nepal. JBBL shall l open the new savings account   at Zero balance and provide  interest on daily closing balance to be credited  on quarterly interval basis.



    Competitive interest rate

    Mobile Banking  Facility

    Visa Debit Card issuance

    Free Cheque Book issuance

    Free ABBS facility

    Free C-ASBA facility

    E-banking facility

    On demand account statement

    ECC service

    IPS service



    Minimum Balance

    0

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