Saving products
20 saving products
General Saving
2.5% per yearOptional saving that builds a habit of regular transactions. Deposit and withdraw whenever you need. Your annual share dividend is credited to this account.Rates and termsDaily Saving
2.5% per yearOptional saving collected at your door by our marketing representatives. Deposit any amount each day and withdraw when you need it.Rates and termsChild Saving
6% per yearFor members’ children. Deposit as optional saving or as a fixed term. Long-term child saving earns the term deposit rate.Rates and termsJMS Bal Khutruke Saving
6.5% per yearThe cooperative’s second child saving scheme. Ask at any service center how it differs from Child Saving.Rates and termsFixed Saving
3.75% to 4.25% per yearTerm deposit for a fixed period at a fixed rate. For a term over 1 year, the rate is agreed with the cooperative.Rates and termsBises Share Saving
7% per yearSpecial share-linked saving for members.Rates and termsShare Growth Saving
6% per yearA saving scheme for share growth. Ask at any service center how it works.Rates and termsEmergency Saving
7% per yearA reserve you can draw on when the unexpected happens.Rates and termsDisaster Management Saving
5% per yearA saving scheme for disaster management. Ask at any service center how it works.Rates and termsInsurance Saving
7% per yearSaving linked to the cooperative’s insurance services.Rates and termsVehicle Saving
7% per yearA saving scheme for a vehicle. Ask at any service center how it works.Rates and termsRegular Saving
5% to 12% per yearMandatory saving, deposited every month, that builds the habit of saving regularly. Deposit at any service center, the head office or with our marketing representatives. You can withdraw 50% after 5 years. A month’s deposit can be made until the 5th of the next month; after that, a late fee of Rs 5 a month is charged.Rates and termsJMS Saving
4% per yearThe cooperative’s own branded saving scheme for members.Rates and termsSadasya Surakshyan Saving
10% per yearThe member health and relief fund of the cooperative’s citizen charter. A lump sum of Rs 5,500 covers you from the third month: help with hospital costs, relief for your family if you die or when someone in your household dies, and a yearly allowance for members over 75, pregnant members and members with disabilities.Rates and termsJestha Nagarik Saving
6% per yearOptional saving for men and women over 45, who can deposit and withdraw whenever they need.Rates and termsNari Teej Saving
6% per yearA Teej saving scheme for women. Ask at any service center how it works.Rates and termsSpecial Saving
4% per yearOptional saving: deposit and withdraw whenever you need.Rates and termsJivan Surakchha Saving
10% per yearLife protection saving for members.Rates and termsKopila Regular Saving
6% per yearMonthly saving for a child, made by the child’s guardian. At 16 the child can withdraw 60% of it, and the other 40% moves to regular saving as the child becomes a share member.Rates and termsMicrofinance Saving
5% per yearMandatory saving for members of the cooperative’s microfinance groups for people on low incomes in the working area. Savings are collected, and loans disbursed, at each group’s monthly meeting, run by our microfinance staff.Rates and terms
Interest rates are set by the board and can change. Confirm the current rate at your service center before opening an account. Since 2082 Magh 1, no cash transaction can be above Rs 5 lakh at one time: for larger amounts, use a cheque or a digital channel through a bank or financial institution.
Interest rate notice, effective from 2083 Bhadra 11How to open a saving account
- 1
Bring the member application form, copies of your citizenship certificate and national identity card, 4 recent photos and proof that you live in our working area, such as a migration certificate or voter ID card.
- 2
Pay the opening amounts, Rs 800 in all, which include one share of Rs 100. There is no membership fee.
- 3
Your membership is granted after the board meeting.
- 4
Choose your saving scheme and open the account with its application form, a copy of your passbook or member ID card and a specimen signature card. It opens at once, with no fee.
Who can join
- Aged 16 or over
- Living permanently in our working area
- Willing to follow the cooperative’s bylaws
- Saving regularly, as you are able
- Buying at least 1 share
Children under 16
- Join as a Bal Khutruke member, with a guardian who is a share member
- Bring a copy of the birth registration, 2 recent photos and a copy of the guardian’s citizenship certificate
- Savings are for deposit only and cannot be withdrawn before the child turns 16
Opening amounts
- Entry fee
- Rs 50
- Membership fee
- None
- One share, compulsory
- Rs 100
- Regular saving, at least
- Rs 200
- Member health and relief fund
- Rs 200
- Jagedakosh (reserve fund)
- Rs 150
- General saving
- Rs 100
From the cooperative’s citizen charter (वडापत्र) and notes on what members should know.
Ready to become a member?
Visit any of our 9 offices in Kavre, or download the member application form and bring it with your citizenship certificate.