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Kalyan Saving & Crerdit Co-operative Ltd.

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Saving :
 
 General Savings (GS)Account
The account initiate via of balance Rs 500.00. Emphasizing the entire dealer, merchant who is compensated beneath daily basis transaction, general saving account is appropriate particularized can hoard minimum Rs. 50.00 moreover attain yearly 7.00%-9.00% interest certainly withdraw facilities are also accessible.
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Special Saving (SS) Account
The account operates with bare minimum balance of Rs.15,000/-. Underneath account holder can withdraw necessity amount correspondingly deposit the sum equivalently plus depositor acquires 2% interest within.

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Kalyan Premium Saving (KPS) Account

Appearing in this genus saving account, account holder is able to withdraw up to Rs 12,00,000.00 under the appropriate where circumstances. Additions to this obtain utmost range of 9.00% interest annually in saving balance. The minimumt balance is Rs 5,000.

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Kalyan Business Saving (KBS) Account
This category of this Saving account operates specifically intending the industrial and entrepreneur hoarder. Sum amount up to Rs. 25,00,000 can be withdraw with annual interest 5% with daily balance. To initiate this account minimum Rs.5000/- is required for the members with daily saving as remarkable business maximum Rs 2,00,000/- Revolving loan facility is given (conditions will be applied).
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Kalyan Children Saving (KCS) Account
To habituate the brood for saving, obtain elevated education in future over and above diminishing needless expenses, kalyan children's saving account is operated with minimum balance of Rs. 50/- . Permitting 13.00-15.00% annual interest with monthly balance, locker, key and piggy bank are obtainable courtesy of the management.

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Kalyan Senior Citizen Saving (KSCS) Account
This saving Fund A/c is operated with the intention of providing appropriate services to senior citizens who have earned with great effort & exertion for sale investment and to get a hold of proper recompense habitually. The minimum operating balance is up to Rs.1,00,000 while existing period is of 2 years. The saving amount Rs.1,000/- pension and substitute additional amount includes Dashain expense.
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Periodic Saving (PS) Account

In this saving account, the amount can be saved by one's self in daily, weekly or monthly. After the completion of assured duration the saver will get capital & interest in total. In this saving account monthly minimum saving balance can be obtain according to the content given below:

Periodic Saving Annual interest rate

Period
Interest Rate
Period
Interest Rate
3 months
11.00%
2 year
12.50%
6 months
11.25%
3 year
13.00%
9 months
11.35%
4 year
13.50%
1 year
12.00%
5 year
14.00%

 

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Fixed Deposit (FD) Saving Account

The account can be operate with 5,000/- or above amount with the menton interest rate for the fixed time. Deposited amount will be return back after the completion of the period but its interest can be received according to the payment rules.

Fixed Deposit (FD) Saving Annual interest rate

Period
Quarterly interest payment
Yearly interest payment
Maturity interest payment
3 months
12.00%
-
12.00%
6 months
12.00%
-
12.50%
9 months
12.75%
-
13.00%
1 year
13.00%
13.25%
13.25%
2 years
13.50%
14.00%
14.50%
3 years
14.00%
14.50%
15.00%
4 years
14.50%
15.00%
15.50%
5 years
15.00%
15.50%
16.00%
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Providend Fund Saving (PFS) Account
In order to collect the provident amount this sort of saving account is appropriate. Under this, amount can be safe guard or withdraw as per the rule and convention of the organization. Monthly minimum saving balance with annual 12% interest is granted.
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Kalyan Double Payment Saving (KDPS) Scheme
 
double
1.
The account will maintain with minimum balance of Rs.10,000/-
2.
Double payment is approved to the total deposit amount after 5 & 1/2 year completion from the time of deposit..
3.
Interest obtain from deposited sum incorporate tax as offered by government but will endure by organization itself.
4.
Concerning total deposited sum about 90% loan is accessible to account holder.
5.
Interest on loan amount is charge as per rules and regulation of an organization.

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Kalyan Women Saving (KWS) Saving
 
1. The account operates with least balance of Rs.1.00.
2. Minimum balance requires of Rs.2,000/-
3. Along with the initiation of minimum balance, cheque book is granted to account holder.
4. Adequate sum can be deposit and withdraw facilities up to Rs.10,00,000/- is offered as well.
5. Featuring in monthly minimum balance annual interest 10.00-12.00% is provided.
6. Door to door service is given.
7. No charges for member of saving.
8. Amongst above involvement of female is solely considerable.
9. After the completion of each year two of the feminine accumulator persisting monetary transaction will be rewarded with the certification of appreciation.
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Kalyan Golden Millionaire Saving (KGMS) Account
1.
The account will maintaned.for two years only whereas the deposit and the return amount should be choose as menton below.
 
2.
Fixed return is given to the shareholders.
 
3.
Tax included in this account is recovered by the principle of an organization.
 
4.
Multiple of conserve amount which is provided by the organization are given below:
 
 
S. No.
Deposit Amount
Return Amount
1
Rs. 19,999
Rs. 25,000
2
Rs. 39,998
Rs. 50,000
3
Rs. 59,997
Rs. 75,000
4
Rs. 79,996
Rs. 1,00,000
5
Rs. 1,59,992
Rs. 2,00,000
6
Rs.1,99,990
Rs. 2,50,000
7
Rs. 3,99,980
Rs. 5,00,000
8
Rs.7,99,960
Rs. 10,00,000
9
Rs. 15,99,920
Rs. 20,00,000
10
Rs. 39,99,800
Rs. 50,00,000
11
Rs. 79,99,600
Rs. 1,00,00,000
 
5.
The deposit amount should be multiple from Rs. 19,999.00, can only participate in this saving scheme.
 
6.
If the depositor wants to withdraw the amount before maturity period then 80% amount of the deposit can be taken as a loan.
 
7.
Further activities are carried by rules, regulations and law of the organization.
 
Kalyan Diamond Recurring Saving (KDRS) Account
1.
Minimum Rs. 500 and more that are divisible by 500 can be operated by members.
 
2.
Tax included in this account will be born by organization.
 
3.
Saving period will be minimum 24 months and maximum 60 months.
 
4.
Saving amount should be deposited in fixed period. After seven days of fixed deposit period no charge will be taken. From 7 to 30 days 5% of amount will be added in premium and if 30 days also premium is not deposited, the account will be closed with 3% less from remaining account balane and after that amount is refunded.
 
5.
Multiple of sum of amount with premium Rs. 1000.
 
 
Per Installment
Total to be deposited
Obtainable Amount
Installment
Amount (Rs.)
Installment
Amount (Rs.)
1,000 /-
24
24,000 /-
27
27,000 /-
1,000 /-
36
36,000 /-
42
42,000 /-
1,000 /-
48
48,000 /-
60
60,000 /-
1,000 /-
60
60,000 /-
80
80,000 /-
 
6.
If due to any reason the depositor need to take the amount deposited, then 80% of the deposited amount can be acquired by mortgaging the amount received receipt. To take such amount, maximum of 20% interest is to be paid on daily basis. The service charge of Rs. 300 and registration charge of Rs. 200 is to be paid.
 
7.
Other things are as prescribed by the rules of the organization.
 
 
Kalyan Premium Sedementary Saving (KKPSS) Account
1.
According to members thought and their hard work partial amount can be used in different ways for providing members effective facility this saving scheme is started.
 
2.
Minimum Rs. 1000.00 account can be operated.
 
3.
Minimum balance should be Rs. 25000.00.
 
4.
Annually 10.00% interest is given to the running account.
 
5.
Every 3-3 months the interest is capitalized in the concern account.
 
6.
With the increment in deposit interest also increased in similar pattern.
 
7.
Interest given in following ways.
 
 
S. No.
Amount Deposited
Interest Rate
1
Rs.25,00,000
8.25%
2
Rs.2500001 to Rs.50,00,000
8.50%
3
Rs.5000001 to Rs.7500000
9.00%
4
Rs.7500001 to Rs.1,00,00,000
9.50%
5
Rs.1,00,00,000 and above
10.00%
 
8.
By using the unlimited number of cheque one can withdraw upto Rs. 15,00,000.00 in a day.
 
9.
Supplementary activities are conceded according to rule, regulation and commandment of an organization.
 
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  Special Facilities
 
1.
Loan is obtainable with easy interest rate (within 24 hours) in swift manageable mode.
 
2.
Utmost range of interest is accessible for the deposit sum.
 
3.
The entire corporate proceedings are conducted by means of ultra-modern computer software.
 
4.
Operated by spirited veteran added to zenith elevation management.
 
5.
Familiar functioning environment in the midst of cooperative workforce.
 
6.
All the way through remittance kindred with ease acquires hard cash from worlds apart.
 
7.
The cheque amount from different banks and commercial organization in the name of this organizations can be collected.
 
8.
Apart from this life insurance amenities are also provided.
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  Other Facilities
1.
As stated by "Kalyan Premium Saving" additional interest of 0.5% is granted for the benefit of female and senior citizen hoarder (50 years and above individuals).
2.
Additional 1.00% interest is arranged in regular interest under the condition who purchase share of Rs.5,00,000/- or above in "Kalyan Premium Saving account".
3.
Accumulator who procure share of Rs.1,00,000/- or above and hoard up to 10 times in the fixed deposit will obtain spare 1.00% in regular interest.
4. 5% rebate is provided to the member if the loan is disbursed within early time.
5.
Members purchasing excess share will get a hold of special opportunity to invest in Portfolio of organization.
6.
Above all if high sum subsist for long period of time, account holder will be rewarded under certain criteria.

Contact Us
Kalyan Saving & Credit Co-operative Ltd.
Manbhawan-20, Lalitpur,Nepal
Fax : 977-1-5008508
Tel : 5555646, 5555915
E-mail : info@kalyan.com.np