Our Saving Services

The Baal Bachat scheme encourages parents and guardians to invest in their children's financial future from an early age. Accounts can be opened in a minor's name with a minimum deposit of just Rs. 100. The account earns a competitive interest rate, and the minor gains full control of the account upon reaching 18 years of age. Parents can also set up a recurring deposit linked to this account. Beyond financial savings, this scheme instills a savings culture in children, making them financially aware citizens of tomorrow. A special gift hamper is presented to children who maintain consistent deposits for 3 years.

The Kisan Bachat scheme is specially designed to meet the unique financial needs of farmers and agriculture-dependent members in Jhapa. Members can deposit small amounts aligned with their harvest cycle, and enjoy flexible withdrawal terms during off-seasons. The scheme also gives priority access to agriculture loans at preferential interest rates. Being in the fertile terai of Jhapa, this scheme supports paddy, tea, cardamom, and vegetable farmers in building a financial safety net for their families.

The Mahila Bachat scheme is exclusively designed for women members with the goal of promoting financial independence and economic empowerment. Women members receive an additional 0.5% interest over the standard saving rate as a special incentive. The account can be opened with zero initial deposit. Women saving in this scheme are also eligible for the Women Entrepreneur Loan at a concessional rate, supporting them in starting small businesses, tea stalls, tailoring shops, or poultry farms.

The Parijat Fixed Deposit scheme offers the highest guaranteed interest rates for members who wish to save their money for a fixed period. Available tenures range from 3 months to 3 years. The longer the tenure, the higher the interest rate offered. Interest can be received monthly or at maturity as per the member's preference. This is the ideal scheme for members who have surplus funds and wish to earn a stable, predictable return. Premature withdrawal is allowed under special circumstances with a minor penalty.

The Parijat General Saving account is our most accessible and popular savings scheme. It can be opened with a minimum deposit of just Rs. 500, making it ideal for anyone who wants to begin their savings journey. Members can deposit or withdraw funds at any time during working hours from any of our branches without penalty. Interest is calculated on a daily basis and credited quarterly to the account. This account is the gateway to accessing our full range of financial services and loan facilities.

The Parijat Recurring Saving scheme is designed to build disciplined, habitual savings through fixed monthly deposits. Members commit to depositing a fixed amount each month — starting from as low as Rs. 200/month — for a chosen tenure of 1 to 5 years. At maturity, the principal plus compounded interest is paid out as a lump sum, which can be used for a child's education, wedding ceremonies, land purchase, or any major planned expense. Premature closure before 6 months results in no interest payout. This scheme is especially popular among salaried members, school teachers, and daily wage earners in Jhapa.

The Senior Citizen Saving scheme is specially crafted to honor and serve the financial needs of members aged 60 and above. Seniors receive an elevated interest rate 1% above the standard general saving rate, along with the convenience of monthly interest payouts directly to their account — providing a steady income stream during retirement. Account opening is simplified with minimal documentation. Senior members also receive priority service at all our branches, dedicated counter assistance, and home collection service for those with mobility challenges.