Frequently Asked Questions

Anyone living within our working area [confirm with the office] who holds Nepali citizenship can become a member.

Share amount [Rs ___], entry fee [Rs ___], and a compulsory monthly saving of at least Rs 200. You can start from about [Rs ___].

A copy of your citizenship, passport-size photographs, photographs of your nominee, and proof of residence.

Yes. A Child Savings account can be opened from birth up to age 10, earns 9% per annum, and is paid out when the child turns 16.

Seven products: Regular Monthly, Child, Fixed Deposit, Voluntary, Housewife, Festival and Memorial Endowment savings.

Yes — at least Rs 200 a month. A Rs 5 penalty applies if the deposit is not made before the month ends.

The first withdrawal is after 5 years, and then once every 3 years.

A savings plan available only to married women members, for 1 to 7 years, earning 9% – 12% per annum.

Save Rs 500 – 2,000 a month for at least a year and receive the payout each year at the specified festival.

Nine types: Agriculture & Livestock, Trade & Business, Social, Hire Purchase, Housing, Education Special, Emergency, Enterprise and Savings-backed loans.

From 14%, depending on the product. The rate is tiered by repayment behaviour — members who pay interest and instalments on time get the lowest rate. The full table is on the loans page.

From 12 to 72 months, depending on the product.

Yes. A Savings-backed Loan charges your savings rate plus 2%, repaid as a lump sum within 12 months.

The Loan Sub-committee reviews and recommends the application, and the Board approves it. [Approval limits — confirm with the office]

Birendranagar-3, Mulpani, Surkhet, Karnali Province. Phone 083-523753, mobile 9864927773.

Yes — registered on 30 Falgun 2063 at the Division Cooperative Office, Surkhet, with 125 members. Registration number [___]. It is currently regulated by the Land Management & Cooperative Registrar Office, Karnali Province.

Through an elected Board, an Account Supervision Committee and several sub-committees, all accountable to the Annual General Meeting.

A program running cooperative education, financial literacy and skills training for members and the wider community.