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शुभ विहानी / ३६५ दिने नियमित बचत

कोपिला आवधि बचत

SENOIR CITIZEN FIXED DEPOSIT

Fixed deposits are not just an instrument of investment for youngsters; if you are considered a senior citizen, you too can open an FD which is referred to as the senior citizens fixed deposit. They are also used by senior citizens to park their excess money in a safe place where it can earn a decent interest and maybe even provide them with an additional source of income. These deposits are almost the same as the regular fixed deposits and can be opened by anyone who is a resident Nepali or an NRN.

Possibly the main point on which they may differ from regular fixed deposits is on the interest rates because many banks offer special interest rates to senior citizens. Another point on which they may differ from regular fixed deposits would be that to open a senior citizen fixed deposit, you will be required to submit proof of age.

FIXED DEPOSIT

In a fixed deposit investment, interest is only paid at the very end of the investment period. This is unlike regular savings accounts, where interest is calculated daily and typically paid to you at the end of each month. Because the investment term and interest rate are fixed, you can very easily calculate the amount of interest you will earn at the end of any fixed deposit investment.

HOW IT WORKS?

With a fixed deposit, one of the most unusual characteristics is that funds cannot be withdrawn for a fixed period of time.

Fixed deposit term can vary anywhere from one month to five years.

When you invest in a fixed deposit investment, you are usually presented with different “tenure” or term options e.g. one month, three months, six months, one year etc.

Each “tenure” or term comes with a predetermined interest rate.

शुभलाभ बचत

यस प्रकारको खातामा न्यूनतम रु.२५००।- (पच्चिस हजार) अनिवार्य मौज्दात कायम राख्नुपर्ने छ ।

• यस प्रकारको खाता व्यक्ति, फर्म, कम्पनी, समूह तथा सङ्घसंस्थाको नाममा सञ्चालन गर्न सकिने छ ।

• संस्थामा कार्यरत सम्पूर्ण कर्मचारी तथा बजार प्रतिनिधिको तलब तथा कमिसन र संस्थाबाट भुक्तानी पाउनुपर्ने रकम भुक्तानी गर्दा बचत खातामार्फत गरिने छ ।

• यस प्रकारको खातामा जम्मा हुन आएको रकममा ७ २५% देखी १०.00% * दैनिक  मौज्दातका आधारमा ब्याज गणना गरिने छ ।