Contact Us

KC Group
KC BILDING
KC INTERNATIONAL BANK LIMITED
G P.O.BOX:8975/1766 , NAKHHU-13
LALITPUR , KATHMANDU, NEPAL
TEL: 977-1- 5531218
FAX: 977-1-5527652
EMAIL: info@kciblbank.com
URL: www.kcibl.com / www.kcibl.com.np

KCIBL Branches Services

Head Office and branches counters
Head Office
KC House
Nakhhu-13 , Lalitpur
G .P.O. Box: 1766, Lalitpur
Phone: 5531218, 5527652
Telex: 2385 KCIBL NP, 2431 KCIBL NP
Fax: 5555321
SWIFT: NARBNPKA
Web Address: www.kcibl.com

Branches and Counters
Kantipath Branch, Kantipath, Kathmandu
Phone: 4227181, 4226785-87
Telex: 2385 KCIBL NP, 2431 KCIBL NP
Fax: 4226905
P.O. Box: 3729, Kathmandu

Tripureshwore Branch
United WTC, Tripureshwore , Kathmandu
Phone: 44117015-16Telex: 2385 KCIBL NP, 2431 KCIBL NP
Fax: 44117018P.O. Box: 3729, Kathmandu

New Road Branch
New Road, Kathmandu
Phone: 4224592, 4224533, 4225420
Telex: 2430 KCIBL NPFax: 4224837
P.O. Box: 3729, Kathmandu

Jorpati Branch
Jorpati, Kathmandu
Phone: 4470498, 4460569
Telex: 2385 KCIBL NP, 2431 KCIBL NP
Fax: 4498343
P.O. Box: 3729, Kathmandu

Birgunj Branch
Adarsh Nagar, Birgunj
Phone: 521476, 521746
Fax: 523156
P.O. Box: 73, Birgunj

Alau Branch
Alau, Parsa
Phone: 528680
Fax: 528680
P.O. Box: 73, Birgunj

Biratnagar Branch
Goswara Road, Biratnagar
Phone: 526213, 522752
Telex: 3036 KCIBL NP
Fax: 526214
P.O. Box: 208, Biratnagar

Lalitpur Branch
Kupondole, Lalitpur
Phone: 5542891, 5520431, 5532189
Telex: 2430 KCIBL NP
Fax: 5542890
P.O. Box: 3729, Kathmandu

Itahari Branch
Main Road, Itahari
Phone: 580741, 581400
Fax: 581054
P.O. Box: 208, Biratnagar.

Butwal Branch
Main Road, Butwal
Phone: 541059, 542274
Fax: 541210P.O. Box: 18, Butwal

Pokhara Branch
Chipledhunga, Pokhara
Phone: 520162, 525715,
: 525203P.O. Box: 442, Pokhara

Bhairahawa Branch
Narayanpath, Bhairahawa
Phone: 524041
Fax: 524141
P.O. Box: 18, Butwal

Nepalgunj Branch
Dhamboji, Nepalgunj
Phone: 524221
Fax: 524222
P.O. Box: 22, Nepalgunj

Lakeside Branch
Lake Side, Pokhara
Phone: 532268, 532269
Fax: 525203
P.O. Box: 442, Pokhara

Exchange Counter
Tribhuvan International Airport,
Kathmandu
Phone: 4472278, 4488937
P.O. Box: 3729, Kathmandu

Dharan Branch
Mahendra Chowk, Dharan
Phone: 530130Fax: 530131
P.O. Box: 208, Biratnagar

Bhalwadi Branch
Bhalwadi, Rupandehi
Phone: 560357, 561357
Fax: 560957
P.O. Box: 18, Butwal

Maharajgunj Branch
Maharajgunj, Kathmandu
Phone: 4720870
Fax: 4720844
P.O. Box: 3729, Kathmandu

Birtamod Branch
Hicola road, Anarmani – 3
Birtamod, Jhapa

Damak Branch
Main Highway Road, Damak Municipality-Ward No.10
Damak, Jhapa

Hetauda Branch
Bank Road, Hetauda 4
MakawanpurPhone: 057 524667
Narayangadh Branch Sahid Chock , Ward # 4
Narayangadh, Chitwan
Phone: 056 5230333
Fax: 056 5230333

Baglung Branch
Baglung Municipality – 3, Mahendrapath
BaglungPhone: 068 522193/4/5

Tulsipur Branch
Shitalpur Road
Tulsipur Municipality - Ward 6
Tulsipur

Ghorahi Branch
Ganesh Hall Road Tribhuvan Nagar Municipality – 11
Ghorahi, Dang
Phone #: 082 561685//86//87

Dhangadhi Branch
Main Road Ward 4, Dhangadhi
Phone: 091526682//83//85

Mahendranagar Branch
P.O. Box-16, Ward#4 3 rd Lane,
Mahendranagar, Kanchanpur
Phone: 099-525450, 099-525431
Fax #: 099-525601

New Baneshwor Branch
P.O. Box: 3729
New Baneshwor, Kathmandu
Phone: 01-4485212

Halchowk Branch
P.O. Box: 3729
Halchowk, Swoyambhu
Phone: 01-4033553/54
Fax #: 01-4033552

Thamel Branch
P.O. Box: 3729
Thamel, Kathmandu
Phone: 01-4212167

Kaushaltar Branch
P.O. Box: 3729
Kaushaltar, Bhaktapur
Phone: 01-6635184, 01-6635460
Fax #: 01-6635199

Chabhil Branch
P.O. Box: 3729
Chabhil, Kathmandu Phone: 01-4464470
Fax #: 01-4464469

Maitidevi Branch
P.O. Box: 3729
Maitidevi, Kathmandu Phone: 01-4443706
Fax #: 01-4434045

Satdobato Branch
P.O. Box: 3729
Satdobato, Lalitpur
Phone: 01-5550332
Fax #: 01-5548766

Balaju Branch
P.O. Box: 3729
Balaju, Kathmandu
Phone: 01-4388915, 01-4388916
Fax #: 01-4388918

Kuleshwor Branch
P.O. Box: 3729
Kalimati, Kathmandu
Phone: 01-4287576, 01-4287596
Fax #: 01-4287547

Khandbari Branch
Hospital Road 1, Khandbari Shankhuwashabha
Phone: 029-560873, 029-560874
Fax #: 029-560883

Charikot Branch
Charikot, Dolakha
Phone: 049-421882, 049-421883
Fax #: 049-421887

KCIBL ATMs Services

ATM Services of KCIBL:

KC international Bank is committed to providing round the clock service to its customers through a large network of Automated Teller Machines (ATMs). For convenience, ATMs have been installed all over Nepal, see ATM Location for details. All the ATMs of KCIBL are linked with the global network of Visa and MasterCard ensuring the widest acceptance. Cards Accepted by KCIBL ATMs Visa Electron Plus MasterCard Maestro Cirrus Electronic Services Rendered by KCIBL ATMs Fast Cash Manual Input Cash Balance Inquiry PIN Change Mini Statement Statement Request (to be added soon) Cheque Book Request (to be added soon) Utility Payment (to be added soon) For further information, please call KCIBL Cards Division at 4227181 / 4223125 during office hours and 4228538/ 4226681 off hours and holidays. ATM Locations (Total: 51)

Kathmandu Valley (29)

• KCIBL NEWROAD BRANCH DHARMAPATH
• NEWROAD JORPATI (BOUDDHA CLASSIC GEMS)
• KCIBL LALITPUR BRANCH ATM LAUNGH
• KUMARIPATI, LALITPUR KCIBL
• KANTIPATH BRANCH (3 ATMs) KCIBL
• HEAD OFFICE, Lalitpur KCIBL, NAKHHU
• BRANCH TRIPURESHWOR (UTWC) KC VERITY STORE
• KALIMATI SOALTEE CROWN PLAZZA, TAHACHAL
• US EMBASSY BHARMA COTTAGE THAMEL (THAMEL SUPERMARKET) THAMEL (YING YANG RESTATURANT) THAMEL (BAKERY CAFÉ) THAMEL
• BRANCH NEW BANESHWOR (BAKERY CAFÉ) NEW BANESHWOR BRANCH
• BHAKTAPUR DURBAR SQUARE KAUSHALTAR BRANCH PHOHARA
• DURBAR (US MISSION) HALCHOWK BRANCH, SWAYAMBHU MAITIDEVI BRANCH,
• SWAYAMBHU CHABHIL BRANCH,
• SWAYAMBHU SATDOBATO BRANCH
• SWAYAMBHU BALAJU BRANCH, SWAYAMBHU KULESHWOR BRANCH, KALIMATI
  

Outside Kathmandu Valley (22)

• KCIBL, BIRTAMOD BRANCH KCIBL
• DAMAK BRANCH KCIBL
• DHARAN BRANCH KCIBL
• ITAHARI BRANCH KCIBL
• BIRATNAGAR BRANCH KCIBL
• BIRGUNJ BRANCH KCIBL
• NARAYANGHAT BRANCH KCIBL
• HETAUDA BRANCH KCIBL
• BUTWAL BRANCH KCIBL
• BHAIRAWAHA BRANCH KCIBL
• LAKESIDE COUNTER, POKHARA KCIBL
• POKHARA BRANCH CHIPLE DHUNGA,POKHARA KCIBL
• BAGLUNG BRANCH KCIBL
• GHORAHI BRANCH KCIBL
• TULSIPUR BRANCH KCIBL
• EPALGUNJ KCIBL
• DHANGADI BRANCH KCIBL
• MAHENDRANAGAR BRANCH KCIBL
• BHALWADI BRANCH KCIBL
• KHANDBARI BRANCH KCIBL
• CHARIKOT BRANCH
  

KCIBL Cards

• Credit Cards.
• Prepaid Cards
• Debit Cards
• Commercial Cards

Credit Cards:

Add value to your shopping and shop smart:

• KCIBL Signature Credit Cards.
• KCIBL Fixed Deposite Instant Credit Cards.
• KCIBL Platinum Identity Credit Cards.

Prepaid Cards:

KCIBL brings to you a complete bouquet of pre-paid cards providing payment solutions at your fingertips. KCIBL pre-paid cards are a safe & convenient way for associate payments, disbursements, gifting & small ticket transactions.

• KCIBl PayDirect Cards
• KCIBL Meal Cards
• KCIBL Gift Cards

Debit cards:

Free yourself from worries over carrying cash or having to stand in long ATM queues. Enter a world of convenience and ease by swiping your KCIBL debit card directly for shopping at merchant outlets.
Go on, simply use your KCIBL Debit Card and walk into a world of convenience and ease. What’s more, enjoy exciting offers and rewards on your card and keep a track of your monthly expenses.

KCIBL

HPCL Debit Card
KCIBL

Woman's Debit Card
KCIBL
Smart-shopper Silver DebitCard
KCIBL
Smart-shopper Visa Gold Debit
KCIBL-MasterCard/ Business Debit Card
KCIBL-Titanium Debit Card
KCIBL-Platinium Debit Card
KCIBL- Signature Debit Card

Commercial Cards:

KCIBL Commercial Cards have been designed as payment solutions for large & mid-sized organizations. A widely accepted concept internationally, Commercial Cards help to better streamline payment processes & thus increase efficiencies.

• Corporate Platinum & Gold Card:

The KCIBL Corporate Card Programme delivers greater control, enhanced efficiencies and higher savings to your company. The programme combines the power of a corporate card with on-line reporting capabilities and dedicated account management.

• Purchase Cards:

KCIBL Corporate Purchasing Solution is designed to address the has been designed to address the non-strategic, low value purchases that consume 80% of a company's transaction volume. Through a Purchase Card, all such purchases can be.

• Drive Track Cards:

DriveTrack Fleet Card: KCIBL and HPCL jointly offer a fleet management programme DriveTrack for fleet owners.

KCIBL iMobile Banking

Your answer to quick, easy and convenient banking is here! KCIBL Mobile Banking puts you in command of your bank account with just your mobile phone.With Mobile Banking, you can conduct any financial and non financial transactions effortlessly and securely. From making payments to checking your account information, Mobile Banking allows you to bank from anywhere at any time.Banking through your mobile phone, is now a direct and time-saving advantage to you.With our mobile banking services you can conduct a number of banking transactions conveniently.
Banking A/c
Credit Card
Demat
Loan
Other Services:

• Funds Transfer*
• Balance Details
• Holding Enquiry
• Provisional Income Tax Certificate
• Movie ticket booking*
• Bill Payment+
• Last Payment Details
• Transaction Status
• Final Income Tax Certificate
• Prepaid Mobile Recharge*
• Balance Enquiry
• Payment Due Date
• Bill Enquiry
• Reset Letter
• Locate Branch
• Last 5 Transactions
• ISIN Enquiry
• Rescheduled Letter
• Locate ATM
• Cheque Book Request
• Loan Agreement Copy
• Phone Banking Number
• Stop Cheque Request
• Apply for Bank Products
• Cheque Status Enquiry
• Status of Service Request Raised

Financial transactions are only possible on iMobile. There is a limit of Rs.50000 per day for financial transactions using Mobile Banking.

• Transfer Funds to registered payees. To add payee, please login to www.kcibl.com and add payee in Funds Transfer Option.
• Transfer Funds to registered Biller. To add a biller, please login to www.kcibl.com and add biller in Bill Pay section.
  

What can I do with Mobile Banking?

KCIBL mobile banking service has revolutionized the way in which you can bank. It is not only a convenient mode of banking but also offers you various benefits like:

• Anytime anywhere direct access: to your bank accounts
• Information at your fingertips
• Personalized and secure transactions
• Ability to do transactions upto Rs.50,000, pay your credit card bills, order cheque books, get provisional IT certificate, locate ATM and branch , mobile recharge and many other commerce activities.
• Easy to use menus and keywords
• Get alerts from KCIBL on banking transactions
  

KCIBL Internet Banking

Start Internet Banking
Steps to login
Learn more about how to login on receiving your user ID.
Why do you need Internet Banking?
Learn more about KCIBL.com and the services available.
login to your account
Choose this option to loginto KCIBL.com. here for the steps to login.
Get your user ID
Click for information on how to apply for your Internet Banking user ID.
How to link your Bank account, Credit Card account and Demat account
Choose this option for information on linking your bank account, credit card account and demat account
.Trouble logging in?
Choose this option if you are having trouble logging into your account.
Steps to Login

You will receive two pin mailers from KCIBL

• Internet Banking User id,
• Login password and Transaction password.

Check that the pin mailers arrive in a sealed condition, else please contact our

• Key in the user id and password on the website and press LOGIN.
• After you request for a new password, the system would prompt for change in passwords.
• Your password should be atleast 8 characters long.
• We recommend you to change both transaction and login password.
• Passwords are case sensitive.
• Your internet banking account is locked in case you enter wrong user id and password 3 times.
• Always log out of KCIBL.COM when you have finished your activities.

Maximise Internet Banking Security

KCIBL.com uses the sophisticated multi layered architecture with digital certification from Verisign and 128 bit encryption facility to ensure security of your online transactions and confidentiality of your data. However the following information is provided as a guide to assist you in protecting the information on your computer. It is not an exhaustive list and is intended for information purposes only.

• You need to enter your Internet Banking User id and password each time you access your internet banking account. Since your access is protected by this password it is very important that you protect your password, by making it known ONLY to you.
• The system prompts you to change the password on first time login. We recommend that you change both login and transaction password.
• Your password should be atleast 8 characters long. Passwords are case sensitive.
• Do not use your date of birth, telephone number, address, your name or the name of a friend or relative in your password.
• Your internet banking account is locked in case you enter wrong user id and password 3 times.
• Passwords are case sensitive.
• Change your password regularly.
• Ensure that you are not observed while entering the password.
• Never leave your computer unattended while you are logged in to KCIBL.com
• Always logoff from Internet Banking upon completion of your session. Use the Logout button for closing the session. It is preferable not to shut the window to log off.
• Disable the option on browsers for storing user names and passwords. You can refer to the help section available on your browser for instructions.

Bank Account

Credit Card

Demat

Loan

Change Password

KCIBL Remittance

KCIBLRemit, a premium online customer focused and technology oriented Money Transfer product is brought to you by KCIBL, the leading joint venture bank of Nepal. KCIBL is a pioneer in the field of retail money transfer business with over a decade long customized service delivery experience in the field.
KCIBLRemit has the largest payment network covering all cities, towns and villages of the country and is capable of paying at more than thousand locations across Nepal which is in ever growing trend as per the demand of local customers and service providers.
KCIBLRemit is a state-of-the-art web-based online money transfer system. It is easily accessible through our main web domain www.kcibl.com. It can be directly accessed by all our branches and network thus ensuring prompt execution of the remittance. The product is monitored and serviced 24/7 by our Remittance Promotion Department dedicated to deliver fast and reliable services to the customers.

Outward RemittanceSend money to your loved ones abroad

KCIBL offers you a simple way to send money outside India. Our Outward Remittance facilities make remitting money abroad quick, and reliable. KCIBL Outward Remittance is the solution for your all your needs. Be it money for education, gift money or maintenance for loved ones or donation for a cause. Our extensive network gives us reach to most parts of the world.

The KCIBL Bank Edge

• Quick remittances.
• Vast geographical presence in India.
• Vast Correspondent Bank network.
• Transfer in various currencies.
• Competitive exchange rates & charges.
• Facilities for Non-KCIBL Bank account holders.

Documentation for Resident Indians

Select your purpose of remittance from the dropdown below to know the forms to be submitted at our branch.

Transactions prohibited under Foreign Exchange Management

The transactions for which drawal of foreign exchange by any person is prohibited are given under Clause 3 and Schedule I of Foreign Exchange Management (Current Account Transactions) Rules, 2003.
Transactions for which drawal of foreign exchange is prohibited:

• For travel to Nepal and/or Bhutan;
• Forex transactions with a person resident in India or Bhutan;
• Remittance out of winnings from lotteries;
• Remittance of income from racing/riding etc. or any other hobby;
• Remittance for purchase of lottery tickets, banned/prescribed magazines, football pools, sweepstakes, schemes involving money circulation, securing prize money / awards etc;
• Payment of commission on exports made towards equity investment in Joint Ventures / Wholly Owned Subsidiaries abroad of Nepali companies;
• Remittance of dividend by any company to which the requirement of dividend balancing is applicable;
• Payment of commission on exports under Rupee State Credit Route, except commission up to 10% of invoice value of exports of tea and tobacco;
• Payment related to "Callback services" of telephones;
• Remittance of interest income on funds held in Non-Resident Special Rupee Scheme Accounts

Agri & Rural Banking Microbanking

KCIBL commitment to the rural and urban low-income populations is based on the vision and strategic opportunity to reach the large number of Nepals lacking access to financial services today. By focusing on three key enablers – partnerships, technology, and process & product innovation – KCIBL has built the foundation for scaling the delivery of financial services to the poor. Through a wide range of micro-credit and micro-savings offerings, KCIBL already touches the lives of millions of low-income households across India, and is looking ahead to expand its services in the future.

• Micro Credit
• Micro Saving

Micro Credit:

KCIBL provides financial assistance to the MFIs in the form of Term loan, Overdraft and Portfolio Buyout facilities. The Bank has established a dedicated micro finance development team responsible for providing these facilities to the MFIs.

Term Loan and Overdraft
Term loan is extended for on lending to micro finance clients. In addition to the above, the Bank extends Over Draft (OD) facility to tide over temporary cash flow mismatches. These facilities are extended to MFIs registered as Societies, Trusts, Not-for-profit Companies, Co-operatives, Credit co-operatives, MACS, CDS and NBFC.

Portfolio Buyout
KCIBL buys unencumbered, direct agricultural and/or weaker section portfolio originated by the MFI (registered as NBFC) through the process of Direct Assignments. These are bilateral transactions that are entered into directly between the MFI and the Bank.Above mentioned facilities are extended at the discretion of KCIBL.

Micro Saving:

Recognising the need for easy savings facilities for its low-income customers, KCIBL has pioneered the launch of micro-savings products under its 'Business Correspondent' model. KCIBL has partnered with NGOs, Societies, and Trusts - its 'business correspondents' - to deliver savings services to its low-income customers.
The micro-savings product provides the customer with access to a savings account with convenient features. The product combines security, convenience (proximity, convenient opening times and minimal paperwork), appropriate design (frequent deposits, small variable amounts and quick access) and positive returns.

Agri Traders & Processors

KCIBL recognises your key role in the Agricultural supply chain. KCIBL offers you financing options designed to service your specific requirements. Be it overdrafts or loans, our approvals are localised, speedy and hassle-free.

• Working Capital Loans
• Long Term Loans
• Loan against warehouse receipt.

Working Capital Loans:

KCIBL Rural, Microbanking and Agribusiness Group (RMAG) offers Overdraft and Cash Credit facility to traders, processors, transporters, aggregators etc. in the Agri-sector.
Products offering Working Capital Loans are:

• Smart Cash Credit (SCC).
• Agri Credit Line (ACL).
• Jet Overdraft.

Smart Cash Credit (SCC):

• SCC is a financial assistance to large agri and rural enterprises for the working capital needs of the businesses with hypothecation of stock & debtors and supported by property as collateral security. Smart CC has a range of products like Cash Credit, Letter of Credit, Bank Guarantee, Term Loans,Export Packing Credit (EPC) etc.
  Features:
• Limit: Minimum Rs. 25 lakhs, maximum Rs. 20 crores.
• Product range: Cash Credit, Term Loan, Letter of Credit, Bank Guarantee,Export Packing Credit (EPC) etc.
• Tenure: Cash Credit for 12 months, Term Loan up to 5 years, Letter of Credit/ Bank Guarantee for 12 months.
• Security: Charge on current assets i.e. stocks and debtors supported with commercial / residential property.
• Repayment: For Cash credit, the interest on the outstanding loan amount is payable monthly, term loan is repaid as per fixed EMIs.
• Repayment Mode: Through regular transactions in the account.
• Renewal of the account depends on maintenance of good track record and submission of fresh financial documents

Agri Credit Line (ACL):

Agri Credit Line is the financial assistance to rural enterprises in the form of overdraft based on property & income. The borrower can avail OD facility upto 5 crores and the interest will be charged only on the utilised amount.

Features

• Limit: Minimum Rs. 10 lakhs, maximum Rs. 5 crores.
• Tenure: The overdraft term is 12 months and is renewable.
• Security: Self-owned residential /commercial/ industrial land or property.
• Repayment: For overdrafts, the interest on the outstanding loan amount is payable monthly.
• Through regular transactions in the account.
• Renewal of the OD account depends on maintenance of good track record and submission of fresh financial documents.

Jet overdraft:

Faster and quicker overdraft facility for business needs based on income, secured with property

Feature

• Limit - Minimum Rs. 10 lakhs to Maximum Rs. 65 lakhs.
• Faster and quicker.
• Security: Facility against Residential Property/ Commercial Property / Industrial property.
• Interest charged only on amount used.

Long Term Loan(RBTC+)

KCIBL Long Term Loan (RBTC+) facilitates obtaining a loan of up to Rs. 3 crore against your residential/commercial property. Contact our sales team or branch to empower your business with Long Term Loan (RBTC+).
Benefits :

• Unlock the hidden value of your property Attractive interest rates.
• No fees on part payment.
• Insurance options for your loan at attractive premiums.
• Easy documentation and speedy processing.
• Doorstep service.

Loan against warehouse receipt

KCIBL Rural, Micro banking and Agribusiness group caters to the financial needs of those involved in the commodities business, such as farmers, traders, processors and aggregators. A credit line of up to Rs. 200 million is offered for agricultural operations with agricultural commodities as securities, including those maintained in demat form.

Features

• Limit: Maximum of Rs. 200 million. The limit is assessed on the basis of financial parameters and proof of dealing in commodities.
• Tenure: Maximum of 12 months. The tenure of each tranche varies from 3 to 12 months depending on the commodity financed.
  

Benefits

• Speedy loan sanction and disbursement with minimum documentation.
• No additional security other than Agricultural commodities.
• Attractive rate of interest.
• Speedy release of commodities after repayment of dues.
• Loans available at non-branch locations also.
• Loans extended in government/private warehouses.
  

Loan Disbursement Procese

• Please contact our Warehouse Marketing Agent (WMA) or Relationship Executive (RE) or Area Sales Manager (ASM).
• Submit the requisite documents.
• The limit is then set up on the basis of your eligibility.
• Stock the commodity in the designated warehouse and submit warehouse receipts along with disbursement documents to KCIBL.
• Loan is disbursed after the Bank inspects the stock.
  
  
  
  

Agri And Rural Banking

Agri Corporates:
KCIBL Bank recognises the role of prompt finance, and stable cashflows for a business. We offer a range of products tailored to your unique needs. With KCIBL on your side, you can focus all your energies on the growth of your business:

• Mid Cap Cradit
• Forex & derivatives
• Agri Investment Banking Solutions
• Factoring

Mid Cap Cradit:

KCIBL has Specialised programmes to cater to Small and Medium Agribusiness Enterprises (SMAEs) to meet their specific financing needs. Nepal SMAEs are increasingly focusing on improved production methods, penetrative marketing strategies and modern management tools to sustain and strengthen their operations. Our in-house sector experts have made extensive field visits, studied sectors and interacted with all stakeholders to design customised bouquet of products for the SMAEs sector.

Forex & Derivatives:

In less than three decades of their coming into vogue, derivative markets have become an extremely important component of financial markets the world over, and are growing tremendously everyday. Derivatives have evolved as a low-cost, effective method for users to hedge and manage their exposures to interest rates, commodity prices, or exchange rates. Over time, as financial markets have developed, derivatives have assumed the role of effective risk-management tools for the market participants, while also helping in substantially reducing their cost of debts. By providing investors and issuers with a wider array of tools for managing risks and raising capital, derivatives improve the allocation of credit and the sharing of risk in the global economy, lowering the cost of capital formation and stimulating economic growth.

Features

• Specialised, parameterised program for sanctioning forex and derivative facilities to Agri-SME.
• Enables facility for hedging of forex exposure for exporter - importer community. • Per client limits of up to Rs. 20 million.
• Unsecured - no security/ collateral requirement.
• Minimal documentation; only business profile and financials required.
• Speedy sanction.
• Shifts your focus from your cash flow management to the growth of your business.
• Specialised products for shorter term foreign exchange borrowings.
• Direct interface between client and treasury manager.
• Instant booking of deals on phone.

Agri Investment Banking Solution's:

The recent trends of domestic and global takeovers, mergers, acquisitions, strategic alliances and diversification, reflect Agri Indian Corporates and SMEs global leadership aspirations and these have become the integral part of companies globalisation strategies. While achieving global market leadership remains the top priority for the acquirers, access to best-in-class technologies, the business imperative to achieve critical scale, increasing global market share, and increasing shareholder value were the prime drivers behind the recent deals. A concomitant of this perspective is intense foreign investor interest in Nepal. As a result, the region is an important destination for most investors financing such aspirations.In KCIBL, through our focus on Investment Banking, we offer Strategic advisory services for Agri Inc's. Our strong team of advisors and analysts offers end-to-end solutions for inorganic growth aspirations of clients from target search to merger & acquisition financing, Strategic alliances/ Joint ventures and property development advisory & placements.

Factory:

KCIBL Factoring performs an important trade finance service by helping you convert your receivables into cash - thus helping you tide over constraints of cash flow and working capital.
Factoring relies on the financial strength, creditworthiness of your customers. Your account receivables in the form of invoices and bills are purchased by KCIBL at a discount. Thus, the onus of collection too falls on KCIBL and you can focus your attention and effort on the growth of your business.
Services

• Domestic factoring - discounting of non-LC backed domestic invoices/ bills
• Export factoring - discounting of non-LC backed export invoices/bills.

Benefits

• Flexible financial solution
• Improves your cash flow
• Improves your credit rating
• Reduces your credit risk
• Funding based on creditworthiness of your customers
• Improves supplier discounts
• Releases working capital for other business needs
• Shifts your focus from your cash flows to the growth of your business
• Efficient management of your receivables

Business Banking Advisory Services

Private Equity Placement
KCIBL Bank's Small Enterprises Group's (SEG) Investment Banking team is dedicated to provide you niche and exclusive investment banking services.
The KCIBL Bank Edge
Capital Raising
At times for a growing company, the amount of capital that a promoter can infuse in the business becomes limited. Businesses can be self sufficient for capital needs in their nascent and initial growth phases. However to meet expansion and growth plans, external capital is imperative. We at KCIBL Bank, with our lending experience, fully understand this and help clients raise equity to fund growth. We have developed a strong network of domestic and international investors who are keen to partner with such success stories in Nepal and these players solicit our advice for investing into such companies.
Buy And Sell Side Advisory
Inorganically adding growth to a business or hiving off non-core activities or opportunity to realize right value for the business created or an instance of taking a company on a bigger scale are the ways to strategize today. We at KCIBL Bank provide assistance on both buy side and sell side transaction. With a large client franchise built, more than 10,000 asset clients and international linkages in developed economies, KCIBL Bank can bring in the best synergy partner to conclude a sell side or buy side advisory assignment.
Special Situation Solutions
Backed by institutional legacy, in-depth understanding and linkages with key stakeholders in the process of turnaround, KCIBL Bank's Investment Banking team can design solutions for special situations like CDR, BIFR, OTS, etc. Count on us to turn around the capital structure of your company and bring in additional capital for growth.

Business Banking Trade Service's

KCIBL provides you vital services to help you focus on your business and compete in global markets. Our trade services strengthen your business relationships by ensuring reliability and speed in your business documentation and payments. Our credit facilities smoothen your cash flows.

• Letter of Credit
• Bank Guarantee
• Export Bill Neqotiation
• Import Finance
• Escrow Account
• Export Finance

Letter Of Credit

With KCIBL Banks Letter of Credit, you can be assured of timely and correct payments from your buyers. Now, interact with ease even with companies with whom you have had limited experience or are unsure of their credit history.
KCIBL Bank offers inland and foreign LCs of two types Sight LC and Usance LC. Sight LC commands immediate payment on presentation of the necessary documents.In case of a Usance LC, payment is set for a specified future date only after acceptance of presented documents.
The KCIBL Bank Edge

• Sanctioned and issued quickly
• Competitively priced
• Usance period of up to 180 days
• Assessment based on a parameterised model.
• KCIBL Bank LCs can also be availed against 100% cash margin in the form of Fixed Deposits

Bank Guarentee

KCIBL Bank Guarantees are available to you against minimal requirements and in the shortest possible time. KCIBL Banks Bank Guarantees are also available in foreign currency for approved purposes as defined under FEMA.
The KCIBL Bank Edge

• Maximum tenor of guarantee 18 months
• Valid for a maximum of 10 years
• Competitively priced

KCIBL Bank also issues Bank Guarantees against 25% cash margin and 100% collateral security in the form of residential property or liquid securities. Bank guarantees in foreign currency are available against credit limits or 100% cash margin.

Export Bill Negotiation

With KCIBL Banks Export Bill Negotiation facility, you can obtain short-term finance for your business, easily and in a hassle-free manner. Receive payment as soon as your goods have been shipped simply on the basis of your trade transaction documents. KCIBL Banks Export Bill Negotiation is ideal for your business if you do not have regular capital limits with the bank.

The KCIBL Bank Edge:

• Competitively priced
• Quick turnaround time
• Negotiation under LC, much simpler than availing regular working capital limits from a bank
• Maximum tenor of 180 days
  

Key Facilities

• Purchase of your Sight Bill of Exchange and discounting of your Usance Bill of Exchange
• Negotiation of your export bills drawn under Letter of Credit, subject to the documents being strictly in accordance with LC conditions
• In case of discrepancies in documents, we can negotiate under reserve by sending the documents to the LC issuing bank for approval and payment
• Arranging forfaiting of your export bills drawn under LC at very competitive rates, without recourse to you

Import Finance

With KCIBL Banks Import Finance services, we offer structured and customised solutions to suit the specific needs of the import segment. Our Import Finance services are backed by our expertise and experience in international finance and cross-border transactions.
The KCIBL Bank Edge

• Arrangement of short-term credit buyers credit and suppliers credit
• Provision of cheaper financing of imports through LIBOR related interest rates
• Negotiation for better rates with overseas banks
• Issuance of bank guarantees
• Advance payment for imports
• Booking of forward contracts
• Co-acceptances

Escrow Account

Appoint KCIBL Bank as the custodian of your assets and revenue streams through our Escrow Account. Safe and hassle-free, KCIBL Banks Escrow Account is customised as per your specific needs. KCIBL Banks Escrow Account can be availed as a current account or a fixed deposit account.

The KCIBL Bank Edge

• Simplified documentation
• Customised transaction structure
• Flexibility to invest surplus funds in fixed deposits
• Online tracking of your escrow account

Key Services

• Project Financing
• Debt Repayments
• Liquidations
• Mergers and Acquisitions
• Intellectual Property
• BPO Transactions

Export Finance:

Avail KCIBL Banks Export Finance services to facilitate cash flow in your business. Our Export Finance is available in both Nepalies rupees and foreign currency, tailor-made to support your export requirements. KCIBL Export Finance services include both pre-shipment and post-shipment credit.
Obtain pre-shipment finance in the form of Export Packing Credit to finance purchase or import of raw materials and processing and packing of goods for export. Our pre-shipment credit is based on actual trading cycles.
Post-shipment credit finances export sales receivables after you have shipped the goods until the export proceeds are realised. KCIBL offers post-shipment credit in the form of Export Bill Negotiation.
The KCIBL Bank Edge

• Competitive rate of interest
• Negotiation, payment or acceptance of export documents under letter of credit
• Document scrutiny services to ensure compliance with LC terms and conditions
• Arranging forfaiting of your export bills drawn under LC at very competitive rates, without recourse to you
  
  

Business Banking Financing Your Buniness

Every business starts as a dream. And inside every aspiring businessman lies a vision of the future. It's a world where ideas are planted, nurtured and left to flourish, limited only by the boundaries of your imagination.
At KCIBL, we make it our goal to help realise the potential of your business. Whether you are in retail, trading, manufacturing or services, we want to see you succeed. We'll support you with customised financial solutions, responsive services and access to expert advice.
For a small or medium business, timely finance is the key to making the most of business opportunities. At KCIBL Bank we understand. We have a host of innovative loan and overdraft products that can make all the difference to your bottomline.

• Business Advantage Loan
• Vendor Bill Discounting
• Vendor/Dealer Finance

Business Advantage Loan:

We provide customers with

• Limits offered : Rs. 25 lacs to Rs. 5 crores
• Collaterals : Funding against commercial / industrial / residential property & liquid securities.
• Facilities offered : Cash Credit / Overdraft / Dropline Overdraft / Bank Guarantee / Letter of Credit / Export Credit / Cash
  Management Services -
• Fast processing and quick availability of loans with lesser documents.
• Best suited for : Retailers / Traders / Manufacturers / Wholesalers / Distributors / Importers / Exporters / Dealers
• Pre-requisites : Minimum one year business vintage & audited financials.
  KCIBL Bank Advantages:
• Flexible Collateral norms based on your financials and property types from 30% to 200%
• Fast decisioning - decentralised operations, centralised decision making.
• Fast disbursement - subject to complete documentation, disbursement in 25 days
• Working capital limits to support your growth plans and enhancements based on your further requirements - ranging from 25 lacs to 5 crores.
• Exclusive relationship managers - who can provide you all financial services - including trade accounts & services, remittances.
  Fast and Easy renewals:
  E-mail, Mobile alerts. - Internet banking convenience - 8am to 8pm banking in select locations
  Interest rates on loans and advances are IBAR (KCIBL Bank Benchmark Advance Rate) linked. Present Interest rate is I BAR + 3% based on product offered. IBAR at the time of limit set-up will be applicable. Please refer www.kcibl.com for the latest IBAR.
  Terms and conditions governing the facility will be as per the Credit Arrangement Letter issued to the borrower after sanction.
  Business Advantage Loan - Loan backed by credit guarantee from CGTMSE:
  Loan up to Rs. 25 lac, specially designed to fund manufacturers under the Credit Guarantee Trust Fund for Micro and Small Enterprises (CGTMSE) scheme of SIDBI (Small Industries Development Bank of India) and Ministry of Small and Medium Enterprises.
  Key Features:
• Loan amount of up to Rs. 25 lac*
• Funding for manufacturers under the CGTMSE scheme of SIDBI and Ministry of Small and Medium Enterprises
• Charge on current assets
• No requirement of third-party guarantee Flexible Collateral norms based on your financials and property types from 30% to 200%
  No requirement of collateral security. Available in two attractive variants
  i. Cash Credit
• Working capital as cash-credit facility (with charge on current assets)
• Facility for a period of 12 months
• Floating interest rate. Interest levied only on amount utilized.
• Flexibility of paying a minimum amount every month.
  ii. Business Installment Loan
• Term loan with equated monthly installments (with charge on current assets / fixed assets financed through Business Installment Loan
• Choice of fixed tenure for repayment (6 months to 48 months)
• Loan for purchase of assets / expansion / working capital
• Fixed rate of interest.Working capital as cash-credit facility (with charge on current assets)
  Eligibility:
• Track record of repayment of loans
• Audited financial statements of past two years
• Investment of less than Rs. 5 crore in plant and machinery
• Funding to proprietorships, partnerships, private limited companies and public limited companies. Loan amount of up to Rs. 25 lac*
  Pricing

Maximum – IBAR + 3% p.a. IBAR at the time of limit set-up will be applicable. Please refer www.kcibl.com for the latest IBAR. *Terms and conditions apply. All loans at sole direction of KC international bank limited.

Vendor Bill DiscountingKCIBL Bank s Vendor Bill Discounting is the solution for your working capital requirements. If you are a vendor with a turnover of Rs. 2 crore, KCIBL Bank's Vendor Bill Discounting can solve your business cash flow needs. This helps you meet your working capital needs, and allows you to access funds at competitive interest rates.
The KCIBL Bank Edge

• Minimum paperwork
• Competitive rates of interest
• Quick transaction delivery

Vendor Dealer Finance

KCIBL Bank s Vendor Dealer Finance solves your cash flow needs and ensures smooth running and development of your business. With KCIBL Bank s Vendor Dealer Finance, you get funds conveniently, on time and at a reasonable cost.
KCIBL Banks Vendor Financing

KCIBL Bank offers Bill Discounting services to vendors of large Indian corporates, including priority sector companies. Once the company accepts the bills drawn by you, they may be discounted by us. Discounting rate is linked to the tenor based IBR. Limit is outside the banking arrangement of the Corporate, and recourse is to you. In case the corporate is not willing to accept a bill of exchange, you can also opt for our Invoice Discounting facility.
KCIBL Bank s Dealer FinancingKCIBL Bank's Dealer Financing schemes are available to selected dealers of large corporates. With KCIBL Bank s Dealer Finance services, you can avail short-term unsecured finance to procure goods from corporates. These may be on a non-recourse basis; or, in some cases, corporate recourse by way of First Loss Deficiency Guarantee. The corporate provides non-financial comforts like Stop Supply Letter, Assistance in Recovery & Resale. All payments due to you must be routed through our accounts.
Dealer financing may be in the form of Bill Discounting or an Overdraft facility. Term facility is also available for assets, like vending machines, which are required by you to deliver the corporates products.

Business Banking

Transaction Banking and CMS:

Your business has unique requirements. At KCIBL Bank, you will find the ideal bank account that takes care of all your cashflow and banking needs. Whether your business is local or national, starting up or scaling up, KCIBL Bank's business services and banking facilities keep you on top of your business, round the clock, all the time.

• Roaming Current A/c
• Prepaid Current A/c
• Made2order A/c
• Elite Current A/c
• Exchange Earner Foreigh
• Current A/c
• Local Current A/c
• Trade Current A/c
• Collections

KCIBL Roaming Current Account (RCA) simplifies banking by offering smooth and seamless transactions. RCA travels the distance with your business and helps effect lucrative business relationships. RCA brings with it the concept of 'Anytime Anywhere' banking enabling you to operate your RCA from any of our branches in more than 30 cities across Nepal. Recognising the fact that every business has particular requirements, a range of variants are available under the branch of RCA to suit varying needs. The choice of variants is based on committed Monthly Average Balance; different charges are applied to each variant. It is also possible to change your current variant every month in response to changing needs. Facilities like Doorstep Banking, International Business Banking Debit Card, Corporate Internet Banking, Phone Banking, E-mail Banking and Mobile Banking are available to RCA holders at no extra costs. The following features are also available with all variants: - Multi City Cheques/Local City Cheques - Unlimited Withdrawal and Deposit - Unlimited Cheque book - Demand Drafts and Pay-orders - Funds Transfers - Collection of Cheques/Drafts
Benefits
Chose an account type that suits your business from the variants available. - Cheque issued from your RCA may be encashed at over 500 centres across Nepal - Operate your RCA at any of KCIBL Bank's branches. - Allows your customer to deposit cheques into your account from the KCIBL bank branch close to him; speedy reflection of deposited cheque in your account. - Call Corporate Care (number) for any queries or requests on your account. - Click on 'Corporate Login' at www.KCIBL.com and carry out all your banking transactions from your desk.

Prepaid Current Account:

KCIBl Bank presents a special current account for those who prefer to pay a fixed prepaid charge on an annual basis and who do not want to commit any balance at any point of time. In Prepaid Current Account, the customer does not have to maintain any minimum or average balance but just has to charge his account with Rs. 2999 every year. Charge once and enjoy free* banking for the whole year. It is simple and transparent and the advantages include:
The KCIBL Bank Edge

• Free personalized cheque book
• Free business banking debit card
• Free unlimited fund transfers
• Free Internet/ Phone/ Mobile Banking
• *50 free transactions every month and charges thereafter.

Made2Order Account:

KCIBL Made to Order Account (M2O) is an account tailor-made keeping in mind transactions unique to your business. The M2O Account gives you the flexibility to choose the services relevant to your specific business needs.
Depending on the services required you may either maintain the required QAB or pay fees as per the volume and the services utilised. The charges are determined at the onset leaving no scope for sprises at a later stage.

Special features of the M2O account include:

• Flexibility in deciding the QAB
• Flexibility in deciding the higher free Limits in services which are required frequently
• Customized DD/Pay Order limits
• Flexible cash deposit limits at both base and non-base branches
• Customized charges and free limits for services which are required frequently
• Flexibility in choosing free cheque leaves

Elite Current A/c

KCIBL Bank's Elite Current Account is exclusively crafted to not only match your specific business requirements but also your lifestyle.
The KCIBL Bank Edge

• At par free cheque facility.
• Free upcountry cheque collection.
• Free funds transfer.
• Free pay orders and demand drafts.
• Free cash withdrawal at base and non base location.
• All clearing and transfer transaction free.
• No cheque book charges.
• Free debit card.
• Deposit of Rs.7,500,000 at base branch only per month.
• Doorstep banking.
• Anytime anywhere banking.
• 24 hours banking.
• Free phone banking.
• Free corporate internet banking

Exchange Earner's Foreign current A/c:

Exchange Earner's Foreign Currency Account (EEFC): With an EEFC Account, exporters and importers can now rest easy...That is right, KCIBL Bank's EEFC Account is just what you need to protect your bottom line from potential losses due to exchange rate fluctuations. Quite simply, it enables you to retain any foreign currency earned abroad for as long as you want. You can also convert it into Indian Rupees whenever you want. This insulates you from any market volatility. You can maintain a zero balance EEFC account with us, pertaining to all major currencies.

Local Current A/c:

KCIBL Local Current Account is for businesses with primarily local transactions.
Benefits

• Discounted charges on local transactions
• Higher free cash deposit limit at base branch location; up to 30 times of the minimum
• Average Balance required
• Free cheque collection and payment at base location
• Free unlimited fund transfer
• Free Mobile Banking through SMS alerts as well as account information through your mobile

Trade Current Account:

TRCA is the perfect solution to cater to both your international and domestic banking needs. KCIBL Bank's Trade Roaming Current Account is a unique amalgamation of domestic banking features of the Roaming Current Account and Global Trade Services. It offers a composite banking solution to exporters and importers. An important part of this is the "zero balance" account that enables you to utilize your financial resources more effectively. Some of the special features of TRCA include no commitment of quarterly average balance, Free Inward Remittance, no charges on FIRC or BRC issuance. You can also avail of preferred rates on select trade services depending on trade volume commitment. It offers all the facilities of domestic banking requirements such as anywhere banking, international business banking debit card, Internet banking, phone banking and mobile banking. Achieve better control over your finances and conduct your business with ease. Take your business to a whole new level.

Collection's:

KCIBL Bank's Cash Management Services ensure speedy and efficient collections owing to a vast network and use of superior technology. And with customised daily transaction reports and online reports, keeping track is so easy.

Local Cheque Collection (LCC) - IClearCollect & ISwift CollectWith KCIBL Bank's Local Cheque Collection, funds are guaranteed at more that 340 KCIBL Bank locations and over 315 tie-up locations.
The KCIBL Bank Edge:

• Location-wise and customised MIS, also available online
• Courier pick-up facility
• Competitive pricing
• Flexible day arrangement
  

Upcountry cheque collection (UCC) : ISmartCollect, IQuickCollect & IAnywhereCollectUnder KCIBL Bank's Upc KCIBL Bank's Cash Management Services ensure speedy and efficient collections owing to a vast network and use of superior technology. And with customised daily transaction reports and online reports, keeping track is so easy.

The KCIBL Bank Edge

• Competitive pricing
• Customised MIS
• Flexible day arrangement
  

Wholesale banking

KC International Bank Limited is the leading wholesale bank in the country. We are very well known for innovation and our capability to implement new products in the market.
Our product offerings includes (but not limited to):
Transaction Banking
Corporate and Institutional Lending

Financial Markets
Transaction Banking:
Cash Management
Payments

• Cross Border Payments
  a. Telegraphic Transfersb. International Bank Cheques/Draftsc. Quick Payment Services to Beneficiaries in India
• Domestic Payments
  a. Local Bank cheques /drafts/Cashier's orderb. Local Bank Transfersc. Book Transfers ( account transfers between KCIBL)d. Payment through Correspondent Banks
• Payroll Management
  a. Managing Payroll for Large Corporate and Institutional Clients
  Payment System Integration
  a. Straight2Bank Channel (Internet channel) caters to different levels of customer payment sophistication , including simple online transaction and bulk payment including payroll management via internet. Our in-country specialists are available to help customize a solution that enables you to manage your working capital in more efficient manner.

Collections

• Extensive Clearing Network: our own branch network complemented by correspondent Bank's network
• Guaranteed Credit: KCIBL can arrange for guaranteed credit (subject to prior agreement) for cheque collections.
• Quick Collection Services (QCS): QCS enables you to receive your export receivables from India on a fixed date (subject to prior agreement)
• Domestic Collection Services- enables you to manage your local receivables promptly
• Comprehensive MIS: We understand the importance of timely and accurate information regarding account receivables to help you effectively manage your receivables and debtors, and minimize losses caused by delayed receipts and defaults. You can also manage your buyer's requirement and improve inventory management. Through KCIBL Straight2Bank (internet Banking channel) - multiple detailed report of your accounts can be viewed in your laptops and desktops in various formats. Tailored collection reports for your local collections can also be sent to you via e-mail.
• Outsourcing of Collection
  a. KCIBL supports your complete collection cycleb. Courier pick up service which is available for your cheques from your office , dealers and distributors officec. Clearing of instruments whether local or foreign currency through the clearing houses, directly by KCIBL or through Correspondent Bank Network.
• Data capture of informatione.
• Reconciliation activities
  Liquidity Management
  Trade Solutions:
  Imports:
• Letter of Credit
• Import Bills for Collection
• Shipping Guarantees
• Import Financing (Loan Against Trust Receipt/Loan against imports)
• Import Invoice Financing
• Performance Bonds and Other Guarantees

Exports:

• Export Letter of Credit advising
• Export Letter of Credit Safe keeping
• Export Letter of Credit Confirmation
• Pre-shipment export Financing
• Export Bills for collection
• Export Invoice Financing
• Supply Chain Financing (Buyer Financing)
• Letter of Credit Reimbursements
  Client Access
  Let our award winning Straight2Bank capability take our business to the next level. This electronic option is embedded with comprehensive security features , flexible authorization matrix, and superior risk management MIS capability to put you firmly in control of your business environment.
  Corporate and Institutional Lending
  We offer various lending products to our Corporate and Institutional Clients - our product suit has been designed to meet both your traditional lending requirements and modern days lending requirements.
  Our product suit includes (but not limited to) :
  Bridging Loans:

A structured form of borrowing intended to finance transactions dependent upon a clear, reliable and identifiable source of repayment, usually the sale of assets. They are intended for financing term borrowing requirements as opposed to overdrafts that are for financing of short term working capital requirements.
Short term Money Market loan

It provides either committed or uncommitted lines as flexible form of borrowing to finance day- to day cash flow requirements generated for normal business activity. This is not intended for financing long term borrowing needs.
Drawing Against Uncleared Effects:

For funds drawn on customer's account against cheques (normally in local currency) deposited to the same account but not yet processed and cleared through the cheque clearing system. Repayment will be automatic through the clearance of uncleared cheques.
Overdraft:

A revolving facility repayable on Demand , made available in connection with a current account
Intra-day Overdraft:

This is a liquidity line granted for financial institutions and corporates where the client is allowed to overdraw their account during the course of the day with repayment at the end of that business day.
Term Loan:

A structured form of borrowing intended to finance specific transactions , usually specific assets and the funding requirements that this generates. These are intended for financing longer term borrowing requirements as opposed to overdrafts that are for the financing of short term working capital needs.
Revolving Term Loan:

Term loan where drawings can be made and repaid through out the period of facility. No drawings can exceed the final maturity date.
Financial Markets
TRAIN:

KCIBL TRAIN is an initiative that offers index linked structured deposits, swaps, notes and investor clients. TRAIN products are linked to proprietary indices developed with KCIBL and may be principle protected or principal at risk structures.
FX SPOT AND forward:

A Foreign exchange transaction that involves the buying and selling of one currency against another at an agreed rate of exchange and amount , with physical delivery of the two currencies on an agreed date , or within a pre-determined period in future.
FX Option (Vanilla) :

A derivative instrument of generic Spot and forward foreign exchange. This gives customers added flexibility when managing foreign exchange risk , whether for trading or yield enhancement purposes.

Corporate Technology Finance

The Technology Finance Group (TFG) of KCIBL Bank implements various programmes for international agencies such as World Bank and USAID. The programmes currently running are designed to help the industry and institutions undertake collaborative R&D and technology development projects. These programmes focus on the following sectors:

• Biotechnology/ Healthcare
• Electrical
• Electronics & communication
• Energy
• Environment
• Materials
• Manufacturing/ Control technologies
• Financial/ Security services

The core group handling these programmes assists projects, which introduce new concepts, products, and processes that will have a positive impact on the industry and help in improving competitiveness and operational efficiencies. The programmes being implemented are:
USAID funded Technology Development & Commercialisation (TDC) Programme
World Bank funded Sponsored Research & Development (SPREAD) program
Technology Institutions (TI) Programme.

Technology Development and Commercialisation Programme(TDC)

The objective of this programme is to facilitate technology development, commercialisation and strengthen Indo-US technology collaboration. Till date, the Technology Finance Group has assisted 29 projects. Private sector companies which would like to commercialise innovative concepts, products and processes in the areas of energy, environment & healthcare are eligible for concessional Rupee Term Loans up to a maximum of 50% of the project cost. The repayment is structured as per project and programme requirements.
Guidelines for Financial Assistance The project is evaluated in terms of innovative content, likely impact on industry and Indo-US linkages. The company is requested to submit a project profile covering the following information:

• Brief particulars of the company
• Project title
• Description of existing facilities
• Current development activities
• Proposed commercialisation project
• Innovative content of the project in terms of comparison with current methods and aim of
• project in quantitative terms
• Major steps/ activities involved in proposed EE/ESCO/DSM project
• Brief on product / processes to be developed
• Brief particulars of the work already carried out
• Details on Indo-US technology collaboration (if any)
• Cost of project with breakup and proposed means of financing
• Schedule of implementation
• Business plan for commercialisation
• Details on market size, demand/supply drivers, etc.

Sponsored Research And Development Programme(SPREAD)

The objective of this programme is to stimulate technology development through private investment in R&D and strengthen industry & technology institution (TI) collaboration. The companies eligible for availing these facilities should be from the private sector undertaking R&D in collaboration with TI.
Following are the eligible sectors

• Biotechnology/ Healthcare
• Electrical
• Electronics & communication
• Energy
• Environment
• Materials
• Manufacturing/ Control technologies
• Financial/ Security services

The facilities include concessional Rupee Term Loans of up to 50% of the eligible project cost. The repayment is structured as per project and programme requirements. Till date the SPREAD has assisted 120 projects.
Guidelines for Financial Assistance: To avail the facilities, the companies are requested to submit a project profile covering the following information:

IT Programme:

The TI programme has been initiated to strengthen institutional capability in technology development and commercialisation-including upgradation and expansion of facilities, training scientists, collaborating with national and international TIs and building marketing and business development capabilities. So far the programme has assisted 50 such projects. To be eligible for assistance, the project must be relevant to the industry. The programme provides interest free rupee term loan with service charge of 1% per annum. Repayment is structured as per the project and programme requirement.
Guidelines for Financial Assistance:

To avail the facilities, the companies are requested to submit a project profile covering the following information:

• Project title
• Brief particulars of the TI
• Description of existing facilities and R&D projects
• Technical staff and budgets
• Products developed / under development
• A note on proposed project
• Need and rationale of the proposed project with benefits to industry
• Major activities involved
• Cost of project with break-up and proposed means of financing
• Schedule of implementation
• Expected benefits / outcome of project and projected external cash flows as a result of the project

The project is evaluated taking into account the relevance to the industry.

Corporate Investment Banking

KCIBL Bank's Global Investment Group services you through the entire length of your project. From advisory and strategising services to successfully executing profitable deals to handling all the banking requirements, KCIBLA Bank provides the support at all stages.


Mergers and Acquisitions Advisory Group(MAAG)

MAAG Provides end-to-end advisory services to the client in the mergers and acquisitions involving target search, analysis of the target and potential synergies for the client, value analysis, pricing strategy, review of the transaction documents, negotiation support, documentation and closure of the transaction.KCIBL Bank's Global Investment Group services you through the entire length of your project. From advisory and strategising services to successfully executing profitable deals to handling all the banking requirements, KCIBL Bank provides the support at all stages.
KCIBL Bank Edge

Nepal's's leading M&A house providing end-to-end solutions for inorganic growth aspirations of clients - from target search to deal closure

• Strong sourcing and execution capability has enabled KCIBL Bank to become one of the leading players in the arena of cross border acquisition advisory
• Extensive experience of business due diligence across sectors, developed through the core skills of credit assessment
• Strong relationships with boutique investment banks and private equity funds across the world
• Dedicated advisory team based out of various offices in Kathmandu, Mumbai, London, Singapore, New York
• Led by professionals with prior experience in advisory/ corporate finance
• Well qualified and committed team working at sourcing leads and capable of executing tight deadlines
• Robust processes incorporating the industry's best practices
• KCIBL Bank is ranked amongst top 3 in deal count for CY 2008 with 17 deals of value USD 1.1 billion (Source: Merger Market Global M&A round up for CY 2008)
  
  
  
  
  International Syndication Group
  

International Syndication Group (ISG) acts as arranger / underwriter for a variety of loans across the risk spectrum. These include

• M & A financing - strategic & financial sponsor driven acquisitions;
• Asset backed financing - aircraft, oil rigs, shipping, offshore support vessels;
• Project financing - airports, oil and gas, power, roads, ports, telecom
• Structured finance - high yield mezzanine / equity Linked debt
• Corporate lending - External Commercial Borrowing for refinancing / capital expenditure.

ISG is an active player for Nepal linked loans in both the primary and secondary loan distribution market.

Costodial Services

KCIBL Bank is a one stop shop offering end-to-end custodial solutions for:

• Equities and Fixed income Instruments
• Exchange Traded Derivatives
• GDR/ ADR/ Euro Issues and Arbitrage
• Government Securities and Treasury Bills
• Fund Accounting
• Regulatory Links
• Latest Circulars

Customer Segments

• Foreign Institutional Investors (FIIs)
• Foreign Venture Capital Funds
• Overseas Private Equity Funds
• ADR/ GDR arbitrageurs (non - resident entities)
• Overseas Depository Banks for GDR/ADR issues
• Pension Funds and Trusts
• Domestic Venture Capital Funds
• Insurance Companies
• Portfolio Management Companies
• Mutual Funds
• Domestic and Foreign companies
• Trading members on stock exchanges
• High net worth Individuals

Equities And Fixed Income Instruments:

KCIBL Bank offers a complete range of custodial services and ensures high processing standards, which are ISO 9001:2001 certified.Services offered are:

• Guidance and application for foreign investments with regulators
• Application for trading codes to stock exchanges
• Strong Straight Through Processing (STP) platform for trade confirmation and settlements; receipt and delivery of securities in both physical and dematerialised form
• Dividend and other corporate benefit tracking and collection
• Customised Information system
• Web enabled reporting system
• Computer controlled storage vaults and premises for safekeeping of the securities
• Proxy and Nominee Services (where permitted).

Fund Accounting:

KCIBL Bank provides discretionary fund accounting services as a value addition to our custody clients. Services offered are:

• Investment Accounting: For all purchases and sales along with the profit and loss
• Valuation for all securities: Equity, debt, gilt, money mark instruments, derivatives etc
• Unit Capital Accounting: For recording capital inflows and outflows from the fund/portfolio
• Income and expense accounting: Daily accruals
• NAV Computation
• MIS and Regulatory Reporting
• Reconciliation: Reconciliation with third parties like registrar, bank or custodian
• Regulatory reporting
• Insurance Regulatory and Development Authority (IRDA)
• Central Bank of Nepal
• Securities and Exchange Board of Nepal(SEBN)

Corporate Banking Loan's

1Term Loan- 13.50% - 16.00%
2Overdraft- 14.00% - 17.00%
3Working Capital Loan/Short Term Loan- 13.00% - 16.50%
4Trust Receipt Loan (for 90 days)- 11.00% - 15.00%
5Export Finance- 11.00% - 15.00%
6Other Loan- 15.00% - 18.00%

• Term Loan
• Overdraf
• Working Capital Loan/Short Term Loan
• Trust Receipt Loan
• Payment Against Document (Forced Loan) : For first 10 days, interest same as applicable
• TR rate, thereafter, TR rate plus 3.00%
• Bridge Gap Loan
• Export Credit
• Letter of Credit
• Bank Guarantee
• Finance against Bank Guarantee
• KCIBL SME Finance:

To finance working capital and/or capital expenditure requirement as well as non funded facilities such as letters of credit and guarantees for small businesses including retailers, wholesalers, cottage and small scale manufacturing and processing units, exporters, importers, contractors, educational institutions, self employed professionals, medical /health facilities etc.

Corporate Banking

Commercial Banking
Technologically advanced, convenient and prompt banking services are integral to any business. KCIBL Bank delivers world-class banking services to the financial sector. From anytime, anywhere banking to comprehensive collection and payment services network.

• General Banking
• Global Trade Services
• Cash Managemant Services
• Corporate Internet Banking

General Banking:

• Current Account

General features of Current Accounts include:
=Multi-location Funds transfer
=Anywhere deposit and withdrawal
=Mobile banking
=Electronic Funds Transfer
=Corporate Internet Banking
=Customer Care

=Periodical e-mail statements in multiple formats, including MT940, Multicash, Excel, text, pdf, etc.

• Roaming Current Account

=Choose an account type that suits your business from the available variants

=Cheque issued from your RCA may be encashed at any of the 300 centres across Nepal

=Allows your customer to deposit cheques into your account from any KCIBL Bank branch

=Speedy reflection of the deposited cheque in your account

• Fixed Deposite

Corporates can invest their surplus funds in fixed deposits for a wide range of tenures. The minimum deposit amount is Rs.10,000. Other features of the account are:

• Funding through a debit to the operative account/cheque for clearing
• While interest is compounded quarterly, payment of interest is quarterly, monthly or on maturity
• Interest payouts can be through credit to your account or through banker's cheque.

Globle Trade services

Trade Services:

KCIBL Bank offers a wide range of trade services designed to meet a range of short term to medium term trade financing requirements so that your company can seize new business opportunities whenever they arise. Customers can benefit from our streamlined processes based on a sound technological backbone that are designed to provide best in class service levels, and reduce the hassles associated with trade transactions. Whether you are an importer or exporter, our correspondent network of over 90 foreign banks, and foreign currency Nostro accounts in 21 currencies will ensure that we meet all your international / domestic trade requirements.

Structured Teade Finance

Our team of Trade Finance experts regularly interacts with customers and in addition to informing them on the latest developments in Trade Finance, structure trade finance deals specifically suited to the requirements of the customers. Our structured trade suite includes prepayment/ pre-export finance, back-to-back letters of credit, inventory financing, invoice financing, facilities for intermediaries, structured transactional finance and Export Credit Agency (ECA) Financing. Customers will be able to take advantage of our experienced structured trade finance team, across product, industry and geographical diversities to mitigate their risk in trade finance, raise finances at competitive rates and lower transaction costs.

Cash Management Services

Cash management services Overview:

KCIBL Bank's Cash Management Services offer a full range of receivable and payable services to meet your complex cash management needs. Payments received from your dealers/ distributors and made to your suppliers are efficiently processed to optimise your cash flow position and to ensure effective management of the operations of your business.

KCIBL Bank provides a gamut of products and services, ensuring that all the business requirements of the corporations are met under one roof. Further, KCIBL Bank constantly innovates and improves its product offerings in order to improve client servicing.

• Collection Solutions
• Payments

Corporate Internet Banking:

KCIBL Bank' Corporate Internet Banking (CIB) is a one stop shop for all your online banking needs. It gives you the power to execute critical bank transactions instantly from your office locations with no time lags and hence is an indispensable tool in today's 24 x 7 high-speed business world. With CIB, you can dramatically cut your paperwork and enjoy the triple benefits of 'efficiency, ease of use and economy'.

• Getting right information at right time
• Simplified Reconciliation:Seamless Supply Chain Management Solutions:
• Customisation & Security:
• Online Banking made safe and secure:

Integrated Payment System

Online tax Collections

Web CMS

Presonal Banking Insurance

At KCIBL Bank, we understand your financial needs. Along with deposit and loan products, we offer you the facility to invest in Life Insurance,

• General Insurance.

Secure your family's health, insure yourself against medical emergencies when travelling abroad, insure your vehicle and your home with our General Insurance policies.

Travel Insurance
The KCIBL Lombard's Individual Overseas Travel Insurance covers unexpected medical and non-medical expenses when you are traveling abroad.
Health Insurance
Opt for the ideal health plan for you and your entire family.
Two Wheeler Insurance
Two wheeler riding calls for a constant alertness from theft and accidents. Two-wheeler policy guarantees safety for your vehicle and yourself, thereby making your ride stress- free.
Car Insurance
KCIBL Lombard brings to you a comprehensive Policy for your Car, which covers Third Party Liability (TPL) for bodily injury and/or death, Personal Accident cover for owner-driver and loss or damage to the vehicle insured (Own Damage or OD).
Student Medical Insurance
Student Medical Insurance covers unexpected and unplanned medical and non-medical expenses when you are studying abroad.
Home Insurance
Home Insurance policy secures the structure as well as the contents of your home against natural and man-made disasters.

• Life Insurance

KCIBL Insurance has a wide array of insurance plans that have been designed with the philosophy that different individuals are bound to have differing insurance needs.
The ideal insurance plan is one that addresses the exact insurance needs of the individual that will depend on the age and life stage of the individual apart from a host of other factors.
Life Insurance Plans:
Under Life insurance plans, KCIBL offers plans under the following major need categories:

• Education Insurance Plans
• Wealth Creation Plans
• Protection Plans

Pension & Retirement Solutions:

The primary objective of a pension plan is to help you provide for your financial needs in your post retirement years. You will find a Pension Planning Calculator on the site, meant to make your pension plan review as simple as possible. The calculator is the first step in your Pension Plan scheme, there are othe steps towards getting the Indian pension policy you need.

• KCIBL LifeTime Pension Maxima
• KCIBL LifeStage Pension Advantage
• KCIBL Elite Pension II
• KCIBL Assure Pension
• KCIBL ForeverLife
• KCIBL Immediate Annuity

Health Product Suite:
Under Health Product Suite, KCIBL offers plans under the following major need categories:
Hospitalisation Plans:

• MediAssure
• Hospital Care II
  Critical Illnessl Pans:
• Crisis Cover

Personal Banking Loan's

Lists of Personal Banking Loan's

• Home Loan's
• Personal loan's
• Car loan's
• Two Wheeler Loan's
• Commercial Vehicle Loan's
• Education Loan's
• loan Against Securities
• Loan Againat Gold ornarments

KCIBl Home Loan's

Finance to existing home loan customers seeking additional finance for purpose of furnishing/ refurnishing, purchase of household appliance/ items etc.
Rate of Interest
5 years- 14.00%
10 years - - 15.00%
15 years - 16.00%
20 years - 17.00%
25 years - 17.50%
Eligibility Criteria:
=All salaried or self-employed Nepalese Citizen having a regular source of income.
=The land and/or building to be purchased or constructed should have a minimum of 8 ft motorable road.
=In case of self employed individuals, the business must be in operation for a minimum of two years.
=The applicant must be at least 18 years and should not exceed 65 years at the time of maturity.
=Third party collateral, other than the property of the borrower or borrowers' undivided family, will not be acceptable

Personal Banking Loan's

With personal finance scheme, you will be able to borrow money to purchase household items. The following are the features of personal finance scheme.

Eligibility: Service holder having permanent service terms or contract basis at least covering the loan tenure and the employer should be in a position to provide an undertaking to transfer the fund to the Bank for EMI.

Loan Amount: 2 lakhs to 10 lakhs

Loan Tenure: upto 3 years

Purpose: For the purchase of household items

Processing fee: 1% of the loan amount payable up front

Prepayment: Allowed after 6 months

KCIBL AUTO LOAN'S

Type
Interest Rate
New Private- 14.00%
Used Private - 15.00%
New Commercial - 17.00%
Used Commercial - 17.50%
Eligibility Criteria:
=Salaried or Self-Employed Nepalese Citizen having a regular source of income.
=In case of individual having business income or firm/company, the business should be in operation for a minimum of two years.
=In case of individuals, the applicant must be at least 21years and should not exceed 65 years at the time of maturity.
=Unregistered transport operators should have experience of operating a commercial vehicle for a minimum of two years.
=Any person other than the owner of the firm/ company shall not be authorized to take loan on behalf of the firm/ company.

KCIBL Education Loan
To finance the education cost of the students desiring to pursue higher education in Nepal or Abroad.
Interest Rate

Upto 8 years - 15.00%
Upto 15 years - 16.00%
Loan Portion: - Upto 80% of the cost of education
Loan Size:- Upto NPR 3.5 million
Eligibility Criteria:
=The student should have a confirmation for admission.
=The parent/ guardian/ spouse of the student should have a regular source of income for repayment of installments.
=The applicant must be at least 18 years and should not exceed 65 years at the time of maturity.

KCIBL Loan's against securities

Loans against Securities offers you instant liquidity.
You don’t have to sell your securities. All you have to do is pledge your securities in favour of KCIBL Bank. We will then grant you an overdraft facility up to a value determined on the basis of the securities pledged by you. A current account will be opened and you can withdraw money as and when you require. Interest will be charged only on the amount withdrawn and for the time span utilised.

Minimum Rs. 2000/- upto 1% of the loan amount on account opening, and Rs. 1500/- p.a. on renewal at the end of each year.

Loan Against Gold Ornaments
KCIBL Bank presents "Loan Against Gold Ornaments", designed to provide liquidity against gold ornaments without having to sell them.
This product is ideal to meet agriculture and allied agriculture requirements like cultivation, dairy, poultry, fishery, etc. Gold ornaments lying idle can be put to productive use by availing Loan Against Gold Ornaments.
The KCIBL Bank Edge
Hassle-free quick processing of loans.
Simplified paperwork.
Easy payment options.
Attractive interest rate & LTV.
Loan amount ranging from Rs. 5,000 to Rs.15,00,000.

Personal Banking

Accounts And Deposits
KCIBL super saving Account's :
KCIBL super saving A/c is a Saving Deposit Product to be launched for Nepalese citizens of all age groups.
Features Interest Rate – 8.00% p.a.
Minimum Balance- NRs 50,000/- Interest credited quarterlyCalculation Type Daily Balance. 25% discount on demand draft issuance Commission.
25% discount on Safe Deposit Locker charge.
50% discount on Traveller’s Cheque Issuance Commission .
No restriction on the amount of deposit and withdrawals.
Free issuance of KCIBL Debit Card –valid in Nepal as well as in India.
Free statements and cheque book upon request.
Free ABBS Free.
SMS and Internet Banking.

Senior Citizens Savings:
Senior Citizens Savings can be opened with primary applicant as a Nepalese Citizen ( age above or equal to 55 years).
Features Interest Rate – 6.00% p.a.
Minimum Balance- NRs 1,000/- Payment Frequency Monthly Calculation Type Daily Balance

KCBIL Foreign residing saving Accounts:
KCBIL Foreign residing saving Accounts can be opened by Nepalese Citizens residing in foreign countries. Those who are in the process of going abroad for foreign employment are also eligible to open this account subject to presentation of a valid Visa.
FeaturesInterest Rate – 3.50% p.a.
Interest is calculated on Daily balance and credited quarterly.
No minimum balance shall be required to open the account.
No restriction on the amount of withdrawals.
KCIBL Internet banking Service Better rate in Exchange Rate shall be provided to account holder while remitting money to Nepal through KCBIL Remit.

KCIBL Woman Saving:
KCIBL Woman Saving can be opened with primary applicant as a Nepalese Citizen (woman with age above 16 years). Minors are not eligible to open this account. Alien can also open account with valid documentation subject to full compliance of NRB circulars and/or prevailing act/rule.
Features Interest Rate – 6.00% p.a
Minimum Balance- NRs 1,000/-Interest is calculated on Daily balance and credited quarterly
Free KCIBL Debit Card valid in Nepal and India
Safe deposit Lockers-50% discount on key deposit requirement.
25% discount on Locker Charges
KCIBL Children Saving A/c:
KCIBL Children Saving A/c can be opened in the name of their children by guardians (Nepalese Citizens) of children (minor upto 16 years of age). Alien can also open account with valid documentation subject to full compliance of NRB circulars and/or prevailing act/rule. Features Interest Rate – 4.50% p.a.
Minimum Balance- NRs 500/-Interest is calculated on Daily balance and credited quarterlyFree KCIBL Debit Card valid in Nepal and India

KCIBL Recurring Deposit :
KCIBL Recurring Deposit can be opened with primary applicant as a Nepalese Citizen. Minors are also eligible to open this account. Alien can also open account with valid documentation subject to full compliance of NRB circulars and/or prevailing act/rule.
Features Interest Rate – 7.00% p.a.
for deposit of 3 years -7.25% p.a.
for deposit of 5 years -7.50% p.a.
for deposit of 7 yearsMinimum Balance- NRs 1,000/-Interest is calculated on daily balances. Loan facility of 90% of the deposit amount can be enjoyed by the account holder.
KCIBL ZERO Balance Account:
Features Interest Rate – 3.00% p.a.
Interest is calculated on Daily balance and credited quarterlyA charge of NPR 100.00
for KCIBL Debit Card Issuance–valid in Nepal as well as in India.
On demand cash withdrawal from any branchLocker Services
Balance Required for issue of Cheque Book NPR 1,000.00
Free KCIBL Internet banking service.
Free KCIBL SMS banking service.
KCBIL Saving:
Product type:
Savings for Individuals
Interest Rate: 3.50% p.a.
Minimum Balance: NPR 1,000.00 Interest is calculated on Daily balance and credited quarterly
KCIBL Dollar Saving :
Product type:
Saving for individuals whose earnings are in foreign currency or who is a resident abroad.
Interest Rate: 0.50% p.a.
Minimum Balance: USD 100
KCIBL Euro Saving:
Product type:
Saving for individuals whose earnings are in foreign currency or who is a resident abroad.
Interest Rate: 0.50% p.a.
KCIBL GBP Saving
Product type: Saving for individuals whose earnings are in foreign currency or who is a resident abroad.
Interest Rate: 0.50% p.a.
KCIBL Fixed Deposit:
Tenure
Interest Rate
PrimeUpto 6 months 8.00%
More than 6 months 10.00%
12 months or Above 1.00% to 11.50%
Product type:.Savings for individuals for future benefits.
Minimum Balance:NA

KCIBL Fix Deposit One Year and Above (NPR)(For Institutions):
Product type: Savings for institutions.
Interest Rate: 11.75%

KCIBL Call Deposit (NPR):
Product type: Savings for individuals and institutions.
Interest Rate: 6.00% to 10.00%


KCIBL Current Account:
Product type: Account for individuals, business houses and institutions for unlimited access to transactions.
Interest Rate: N / A
Minimum Balance: NPR 10,000.00

KCIBL Enterprise Saving :
Product type: Savings for Officials of Nepal Government, Semi Government Bodies and Government owned Corporations / Associations / Enterprises and their immediate family members.
Interest Rate: 8.00% p.a
Minimum Balance: NPR 1,000.00Interest is calculated on Daily balance and credited quarterly

KCIBL Student Saving A/c:
Product type: Savings for Nepalese students with minimum age of 16 years and maximum age of 50 years.
Interest Rate:3.50% p.a
Minimum Balance: NPR 500.00Interest is calculated on Daily balance and credited quarterly

KCIBL Special Savings:
Product type:Savings for Nepalese individuals
Interest Rate:upto 6.00% p.a.
Minimum Balance: NPR 10,000.00