Optional Savings


Optional Saving

In this type of saving account, members are able to withdraw or deposit balance whenever they like.  

Eligibility: All CLBSL members

Minimum Saving Amount: NRs200 

Interest Rate: 6% 

 


Pewa Saving

In this type of saving account, members can deposit their other personal earnings such as pewa, gift etc. without the knowledge of other members in their respective centers. They are eligible to withdraw or deposit balance whenever they like.  

Eligibility: All CLBSL members

Interest Rates:

For members depositing Rs 100 to Rs 100000 amount montly, the interest rate is 6%

For members depositing Rs 100001 to Rs 200000 amount montly, the interest rate is 7.5%

 For members depositing Rs 200000 or above amount montly, the interest rate is 9%


Samayojan Saving

The amount deposited by members for the purpose of deposit or installment payments will be deposited first in this account. The amount deposited in this account will be sent to other accounts for various purposes. 

Eligibility: All CLBSL members

Minimum Saving Amount: - 

Interest Rate: 6%


Pension Savings

Eligibility: All CLBSL members

Minimum Monthly Saving Amount: 50

Maximum Monthly Saving Amount: 5000 

Interest Rate: 8.5% to 10.5% 

Refund
  • 1.5 times of saving amount if recurrent monthly pension is for 9 years
  • 2 times of saving amount if recurrent monthly pension is for 14 years

Note:Pension saving is closed for new members.

 


Bishistha Sadasya Bachat

In this type of account members can deposit and withdraw amount at will

Eligibility:

1. Members who have completed their pension saving period.

2. Members who have kept a saving account for the past 20 years

3. Members having age over 70 years

Interest Rate: 10.5%

Minimum Saving Amount: 25,000 or amount received after pension saving account is closed whichever is lower

 


Baal Bhawisya Bachat

Members having this account will be able to deposit or withdraw amount from and to this account at will. This saving account is created for the purpose of the bright future of the children i.e. for higher education, health and self-employment etc. 

Eligibility:

1. Members must have at least one child in their household

2. Members must submit the birth certificate of the child 

Interest Rate: 9%   

Minimum Saving Amount: 5,000