Kathmandu. At a time when there is a lack of liquidity in the banking system, commercial and development banks have launched attractive savings account schemes. In order to attract deposits from the public, banks are making public savings account schemes with high interest and attractive schemes.

Banks currently have a total of Rs 49.75 trillion in deposits and Rs 4.78 trillion in loans. Banks have to maintain the loan-to-deposit ratio (CD ratio) at 90 percent by mid-July. For that, there is pressure on banks to increase deposits. In order to increase deposits, various banks are launching savings accounts with attractive schemes. Similarly, dollar savings account schemes are also being made public to increase deposits.

NIC Asia Bank has unveiled the 'Best Savings and Term Accounts' scheme, one of the most lucrative deposit schemes. Under the scheme, customers will be provided 3 insurance-related security benefits, 3 loan-related benefits and 18 other incomparable benefits with high returns, the bank said. According to the bank, customers who open an account under the scheme will be able to avail three types of insurance facilities up to Rs 2.1 million. Under this, in case of death or complete disability of the account holder due to accident, they will be able to get insurance facility up to Rs. 1 million, insurance facility up to Rs. 1 million for 18 fatal diseases and medical insurance facility up to Rs. 1 lakh.

Machhapuchhre Bank has brought Machhapuchhre Smart Muddati account into operation keeping in view the convenience of the customers. Under the account, customers will be able to receive double the amount they have deposited in six and a half years. Machhapuchhre Smart Muddati account can be opened for a minimum of Rs 50,000. In addition, the bank will provide loan up to 90 percent of the principal amount in this account to the customer.

NMB Bank has introduced two new term plans. The bank has announced two schemes namely 'NMB Double Term' and 'NMB Janmabhoomi Double Term'. Of which, under the 'NMB Double Term Scheme', when a customer opens a term deposit account with a minimum balance of Rs 50,000 or more, the amount will double after 76 months.

Century Commercial Bank has launched Century Double Dhamaka Maddhati account. In this account, customers will be able to receive double the amount they have deposited in 6 and a half years. Century Double Dhamaka Maddhati account can be opened for a minimum of Rs 10,000. In this account, the bank has provided free mobile banking, Visa debit card and SMS alert to the customer. In addition, up to 80 percent of the principal amount can be borrowed in this account.

Bank of Kathmandu has launched BOK Super Term Account Scheme with attractive customer targeted returns and specialties. Bank of Kathmandu returns 2 to maximum 4 times of the savings in BOK Super Savings Account. Under the slogan 'Invest in BOK Super Term, Secure Income for the Future', the bank has come up with a plan to return two times the deposit in six years and five months to four times the deposit in 13 years. 

The bank, which has introduced three types of plans in BOK Super Term Accounts, has stated that it will give double return in 6 years and 5 months, triple in 10 years and 3 months and maximum four times in 13 year term deposits. However, for such a deposit, the depositor will have to keep a minimum of Rs 50,000 in the account.

Nepal SBI Bank has launched an attractive Muddati account under Dhanvardhi Yojana. Under this scheme, the bank has brought into operation the Muddati account which gives double the amount deposited by the customer in 6 years and 6 months and more than 3 times in 10 years and 3 months. According to the bank, the lump sum will be paid after maturity by capitalizing the interest on the account. The bank has informed that it can give loans up to 90 percent of the principal amount in the account to the customers. In addition, the amount deposited in the case of the institution will be doubled in 7 years and 3 times in 11 years and 3 months, the bank said.

Jyoti Bikas Bank has unveiled the 'Jyoti Double Deposit' Muddati Yojana. Under the scheme, the customer receives twice the amount deposited in 5 years and 11 months. The account can be opened by depositing a minimum of Rs 10,000 in this Muddati account which is targeted at individual customers. This account can be opened from all the branch offices of the bank. In addition, the account also has a loan facility of up to 90 percent of the principal amount if the customer needs money.

Mahalaxhmi Development Bank has unveiled a new term plan Mahalakshmi Gradual Savings Account. The bank has stated that 12 per cent interest will be calculated on the daily balance in the 'Mahalakshmi Gradual Savings Account' which can open up to one thousand term accounts and the interest will be paid on a quarterly basis. Customers who have opened an account under this scheme will be able to deposit money in this account at any time for 5 years.

Muktinath Development Bank has provided 12 percent annual interest rate on personal term deposit account to the depositors keeping the customer in mind. Under this scheme, a minimum of Rs. The bank believes that customers who want to save from this account will get the highest return on minimum investment.