Shubha Bachat

Shubha Bachat is a product that is offered to employers and organizations as a payroll package for their employees.

The account has been designed from an employee’s perspective. Our aim with this product is to provide the best banking solution and help improve the financial well-being of all your employees – the most important asset in any organization.

Why go with Laxmi Sunrise?

Free VISA Debit Card

Free Mobile Banking

Free Internet Banking

Medical Insurance

Accidental Insurance

Loan Facilities

Rates & Features

  • 4.05% Interest Rate paid quarterly
  • Free VISA Debit Card*
  • Free “Complete Green Banking Package**
    • Mobile Banking with Viber Banking Services
    •  Internet Banking Subscription
    • Email Solution
    • DEMAT Account
    • Mero Share account
  • Insurance Benefits
    • Medical insurance of up to NPR 100,000 per year***
      • NPR 20,000 for OPD facility
      • NPR 80,000 for hospitalization
    • Accidental Death / Disability Insurance of up to NPR 500,000***
  • Save NPR 250 on Travel Card Issuance
  • Free cheque book issue
  • Any Branch Banking Services (ABBS) including cheque book requests
  • ASBA/C-ASBA service

Loan Facilities

  • Permanent/Confirmed staff will be eligible for****:
    • Pre-approved Credit Card limit up to 1.5 times the Gross Salary or NPR 100,000, whichever is lower
    • Personal Loan Facility up to 6 times the Gross salary or NPR 1,500,000, whichever is lower

Employer Benefits

  • Overdraft facility – up to 1.5 times or NPR 1,000,000 (whichever is lower) for institutions that have achieved at least 6 months’ payroll relations
  • Dedicated Relationship Managers to assist with payroll services and personal loan facilities of employer staff

*Free VISA Debit Card for the first year. NPR 399 p.a. (as per SSC) will be applicable from second year onwards
**Customers get the “Complete e-Banking Package” free for the first year. Discounted Package fee of NPR 299 p.a. will be charged from second year onwards only.
***Insurance will provided via our Insurance Partner Himalayan Everest Insurance Ltd. as per the Terms and Conditions
****Subject to the bank’s credit discretion policy and employer/organization’s recommendation letter


Get the best banking experience with Laxmi Sunrise’s employee centric savings

How to Apply

Apply online via Ctrl O – our digital account opening platform or visit your nearest branch

Other Info

What you need

  • Residential address in Nepal
  • Copy of National ID card
  • Passport Size photograph (2)

You may also need (if applicable)

  • An additional ID card such as license, student ID card or Passport (if available).
  • Water or Electricity Bills.

Who can apply online?

  • If you are older than 18 years of age
There is no minimum balance to open the account.


  • Applications for accounts where funds are held in trust cannot be accepted online.
  • If you wish to open an account, please apply at any branch


If you have questions or can’t apply online, call 01-5970684 anytime.