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JEEVAN BIKAS Microfinance
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Saving Services

We offer a variety of saving products designed to meet the diverse needs of our members. Our saving schemes provide a secure way to grow your wealth with attractive interest rates.

S.N. Saving Type Interest Rate Features
1 Compulsory 7.5% Member should compulsorily save the fixed amount in the meeting which is started from NPR 50. The amount may different of each center.
2 Welfare 7.5% Member may charge some fine for member and staff for late presence. The saving is used for the welfare of the members like center home, dress for member etc.
3 Special 7.5% Member may deposit and withdraw any amount in center meeting or office. All transaction is carried out through this account. Member gets interest on daily balance.
4 Jeevan Surakshya 7.5%
Scheme Details:
Scheme Account Open Additional Facility
Personal Saving (Sch-1) 0 Balance for all member
  • Add 0.5 % (0.5+7.5=8 %) for remittance deposits.
  • Accidental insurance of Rs. 1 lakh each for depositor and spouse.
  • Health treatment insurance of Rs. 1 lakh each in accidental case.
  • Rs. 10 thousand for funeral & Rs. 10 thousand for cremation (Sch 2 & 3).
Minimum Balance (Sch-2) Rs. 20,000/-
Monthly Increment (Sch-3) Rs. 5,000/-
5 Pension As Per Scheme
Period Interest Rate
15 Years 11.25 %
10 Years 9.75 %
5 Years 7.5 %
Note:
  • 6% interest only if withdrawn before maturity.
  • 1% monthly interest on maturity amount after 15 years.
  • New accounts closed since 18 Manshir 2076; existing continue.
6 Golden Future 7.5%

Members will be able to save for their children's education expenses and a bright future. This savings will start by depositing Rs 100 at the time of the birth of the son and Rs 150 in the case of the birth of the daughter.

  • Members must continue the account initiated by the organization.
  • Can save in the name of children and grandchildren.
  • Interest on daily balance in quarterly basis.