NMB Bank

Recent studies have shown that the rate of people being diagnosed with dreadful illnesses is increasing. Such illnesses can take mental and financial burden on one's life which has created awareness among people regarding importance of insurance.NMB Sahara Bachat is here to secure you against uncertainties and relieve you of any unpleasant situation. NMB Sahara Bachat Khata brings greater value for the customers by providing financial coverage upto NPR. 10 Lakhs against 18 dreadful/ critical Illnesses, Accidental death & Permanent Total Disability. This product is the first of its kind in Nepal where customers irrespective of any age can subscribe without having to submit medical report and unlike insurance, customer do not have to pay premium amount to open the account.

  • First-time diagnosis of critical illness: Cancer, End-Stage Renal Failure, Multiple Sclerosis,
    Benign Brain Tumor, Parkinson’s Disease, Alzheimer’s Disease.
  • Undergoing first-time surgical procedures for Major Organ/Bone Marrow Transplant, Heart Valve Replacement or Repair, Coronary Artery Bypass Graft, Surgery of Aorta.
  • First time occurrence of medical events: Stroke resulting in Permanent Symptom, Paralysis, Myocardial Infarction or Heart Attack, Coma of Specified Severity, Major Burns (at least 50% of Body-Surface Area), Total and Irreversible Loss of Hearing in Both Ears, Total & Irreversible Loss of Speech.



Passport/ Related Document for Foreign Nationals

Citizenship For Nepali Citizen

  • Completely filled Personal Account Opening Form
  • Copy of Citizenship Certificate
  • One passport size photograph
  • Insurance Proposal & Letter of Understanding.Click here to download.
Minimum Balance & Interest rate (Click here)
Interest Calculation on Daily Balance & payable quarterly.

Special Feature: 4-times of weighted annual average deposit or NPR. 10 Lakhs (whichever is lower) in the event of Accidental Death, Permanent Total Disablement (PTD) resulting from accident caused by violent & visible means, or for 18 Critical Illnesses as mentioned below:

A. First Diagnosis of below mentioned Illnesses;

  1. Cancer
  2. End Stage Renal Failure requiring regular Dialysis
  3. Multiple Sclerosis
  4. Benign Brain Tumor
  5. Parkinson's Disease
  6. End Stage Liver Disease
  7. Alzheimer's Disease

B. Undergoing for the first time of following surgical procedures:

  1. Major Organ / Bone Marrow Transplantation
  2. Heart Valve Replacement or Repair
  3. Coronary Artery Bypass Graft
  4. Surgery of Aorta

C. Occurrence for the first time of following medical events more specifically described below:

  1. Stroke resulting in Permanent Symptoms
  2. Permanent Paralysis of Limb
  3. Myocardial Infarction or First Heart Attack
  4. Coma of Specified Severity
  5. Major Burns [At least 50% of body surface area])
  6. Total and Irreversible loss of hearing in both ears
  7. Total and Irreversible loss of speech

Click here for more infomation

Other Features:

  • ATM Visa Card – Facility of NMB Delight Card* and NMB Regular Card

  • NPR. 150 charged in Indian ATM transaction.

  • Mobile Banking & Internet Banking

*Free cash withdrawal charge from NMB Delight Card through any bank’s ATMs within Nepal.

Rates & Fees

Interest Rate & Minimum Balance 


ADC Charges


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