“प्रत्येक सबैको लागि र सबै प्रत्येकको लागि” भन्ने विश्व सहकारी नारालाई मनन् गर्दै कन्सर्न नेपाल(सिएन) बागलुङले आफ्ना सबै सदस्यहरु संग–संगै सहकारीको सर्वमान्य सिद्धान्त, मूल्य र मान्यतालाई शिरोपर गर्दै विभिन्न पेशा तथा व्यवसायमा आवद्ध व्यक्ति एवं समुदायलाई एक्यवद्ध गर्दै स्वाबलम्बी, मितव्ययी र आत्मनिर्भर बनाउन नियमित रुपले बचत गर्ने बानीको विकास गर्न, संकलित बचतलाई उत्पादनशील क्षेत्रमा लगानी गर्न स
दस्यहरुलाई प्रेरित गर्दै शेयर सदस्य महानुभावहरुलाई समाज र समुदायमा सरल र सहज तरिकाले आधुनिक र व्यवस्थित जीवनयापनमा सहयोग पु¥याउने उद्देश्यले कन्सर्न नेपाल बचत तथा ऋण सहकारी संस्थाको स्थापना गरिएको हो ।
कन्सर्न नेपाल बचत तथा ऋण सहकारी संस्था लि. Concern Nepal Saving and Credit Co-operative Society Ltd.,
e-mail: [email protected]
www.concernnepalcn.blogspot.com
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Introduction:
Concern Nepal Saving and Credit Co-operative Society Ltd., (CN-SACCOS) was established by the members of Concern NEPAL (CN) Baglung on Tuesday, 18 October 2011 (1st. It provides various saving schemes to the depositors with the attractive interest rates. This will definitely help to enhance the economic status of its members as well as for the development of the nation. We will be very happy to receive comments and suggestions from your side so that we can better improve our services. Our features:
The followings are our salient features.
• Quick and easy service
• Attractive interest rates to the members and depositors.
• Implementation of computer based account system
• Operated by local, experienced, and reputed promoters
• Use of electronic media like Internet, email, website etc.
• Door-to-door deposit collection service. Saving Account:
In this account the member or depositor can deposit any amount. We provide the interest at the rate of 9% per annum to the daily balance of the account. There is no restriction on drawings. Deposit Type Interest Paid On
Every 3 Months Every 6 Months Yearly Maturity
Daily Saving 9%
Weekly Saving 9%
Monthly Saving 9%
Child Saving 10 %
Current Saving 2%
A cheque book is issued at the creation of this account to facilitate drawings. Fixed Deposit Scheme:
This type of account can be opened from 1 year to 5 years. Loan can be issued on its security. In this account the interest may very depending on the interest payment frequency. For the detailed information about the interest rate, please refer to the following table. Loan can be issued on the security of “Fixed Deposit Certificate” with the interest rate of additional 2% to the given interest rate. Fixed Deposit Type Interest Paid On
Every 3 Months Every 6 Months Yearly Maturity
1 Year 10.00% 10.15% 11.5% 11.5%
2 Years 10.50% 10.65% 11.75% 11.75%
3 Years 10.75% 10.90% 12% 12%
4 Years 11.25% 11.40% 12.5% 12.5%
5 Years 12.00% 12.15% 12.75% 12.75%
Government tax will be deducted on the payment of interest. CN Permanent Saving Scheme:
In this account any amount can be deposited, interest at the rate of 11.5% is provided every six monthly and only interest can be drawn. Principal amount can be drawn by giving six month prior notice
Loan Schemes:
We provide loans for various purposes like business, trade, hire purchase, industry, service, agriculture etc. Followings are the interest rates on various loans. Loan Type Interest Rate
1. Business 14%
2. Hire Purchase 15%
3. Industry 15%
4. Service 14%
5. Agriculture 14%
6. Hypothecations 14%
7. Baglung Land & Building (Long term loan, above 10 years) 18%
8. Other Loans 14%
9. Surplus Fund (Loan at call) 11%-15%
When we issue loans except on the security of “Fixed Deposit Certificate”, we charge 1% of the loan amount as the service charge. We are continuously reducing the interest rates on loans. Please visit our Office regularly for latest interest rates. For the loans above 2 million, the interest rate can be fixed on mutual negotiation. Transaction Hours:
The office renders its services from Sunday to Friday except in government / bank holidays. Sunday - Thursday:
• The office opens at 10:00 AM to 5:00 PM from Sunday to Thursday.
• Cash receive till 3:00 PM
• Cash payment till 2:30 PM
Friday:
• On Friday the office opens at 10:00 AM and closes at 3:00 PM.
• Cash receive till 1:00 PM
• Cash payment till 12:30 PM
Managing Committee:
Mr. Shahi Chairperson
Mr. Prem Bahadur Malla Vice-Chairperson
Mr. Bhumiraj Sapkota Secretary
Mrs. Harikala Thapa Joint-Secretary
Mr. Lachhu K.C. Treasurer
Mrs. Sharda Shahi Member
Mrs. Jayanti Malla Member
Mr. Shiva Prasad Sapkota Member
Mr. Bir Bahadur Malla Member
"Dedicated To Your Financial Development"
