Personal Saving

Zest 365 Kista Bachat Khata:

Daily Saving (Rs.): Total Return(Rs.):
125 50,000/-
250 1,00,000/-
500 2,00,000/-
1000 4,00,000/-
1500 6,00,000/-
2000 8,00,000/-
2500 10,00,000/-
5000 20,00,000/-

Zest Sunaulo Bachat Khata:

  • Within this saving account, you can save a certain amount daily on your saving account. The amount will be saved skipping the common expenses in daily life.
  • Depositors will get the accident insurance worth Rs.1,00,000 to Rs.10,00,000.
Monthly Saving (Rs.): Total Return (Rs.):
1,000 1,50,000/-
2,000 3,00,000/-
3,000 4,50,000/-
4,000 6,00,000/-
5,000 7,50,000/-
6,000 9,00,000/-
7,000 10,00,000/-
8,000 12,00,000/-
9,000 13,50,000/-
10,000 15,00,000/-

Zest Saving and Bachat Khata:

  • 6.5% interest rate in every 3 months of saving determined according to the monthly saving.
  • The minimum interest amount is Rs.500

Zest Sahuliyat Bachat Khata:

  • 5% interest rate in every 3 months determine according to the yearly saving amount
  • Minimum saving is Rs.100

Zest Standard Bachat Khata:

  • Interest rate is 3.5% to 8.5% based on daily Mojadata.
  • To achieve the Minimum interest rate, the minimum saving must be Rs.2500.

Zest Rising Bachat Khata:

  • Minimum 11% of interest rate based on three months of saving.
  • Minimum Mojadata Rs.5000

Zest Gharbeti Bachat Khata:

  • Minimum 12% of interest rate based on daily saving.

365 din Awadi Bachat Khata:

  • Depositors need to deposit amount every day
  • If the amount of current day skip, depositors need to deposit in the next day

Loans & Advances

1Group Sailor
2Women’s Business
3Home Building Loan
4Personal/Business Loan
5Small and Large Scale Industry Loan
6Hire Purchase/Home Loan
7Limited saving Receipt Loan

Fixed Deposite

Zest Bal Bachat Khata:

  • Grow your child with the habit of Saving. Zest Bal Bachat is the saving account that teaches your child the importance of money and how to save it. Zest Bal Bachat is for the children whose age is below 16.
  • With this saving account, you can save your money for the time period of 1 to 10 years.


  1. Attractive Interest rate around 11% to 14%
  2. Scholarship opportunity
  3. Free Travel Diary
  4. Educational Tour

Zest Jiwanyatra Bachat  Khata:


Nepal is a tourism country. With the aim to explore different travel destination, Zest co-operative brought the Zest Jiwanyatra saving the account.

  • There is no age limit for saving your capital with this type of account and
  • Any Jiwanyatra Bachat Khata holders can enroll with our free travel journey.
  • You can start saving either within a daily or Weekly or Monthly or Yearly basis.


Zest Parva Bachat Khata

1 Year Parva Bachat Plan:

Monthly Saving: Total Return(Rs.): Advance Return(Rs.)
2,000 25,000/- 1000/-
4,000 50,000/- 2,000/-
8,000 1,00,000/- 35,00/-
16,000 2,00,000/- 6,500/-
24,000 3,00,000/- 11,000/-
32,000 4,00,000/- 15,000/-
40,000 5,00,000/- 19,000/-
48,000 6,00,000/- 22,000/-
58,000 7,00,000/- 26,000/-
64,000 8,00,000/- 30,000/-
72,000 9,00,000/- 34,000/-
80,000 10,00,000/- 38,000/-

2 Year Parva Bachat Khata:

Monthly Saving(Rs.): Total Return (Rs.)
7,500 2,00,000/-
3,750 1,00,000/-

3 Year Parva Bachat Plan:

Monthly Saving: Total Return:
7000 3,00,000/-


Zest Gharbeti Bachat Khata:

  • Minimum 12% of interest rate based on daily Mojadata.


Zest Grihalaxmi Pahichan Tatha Karmasheel Yuwa Udhyamsheel Bachat Khata

  • Account Time period 5 years
  • The couple will get a chance to visit any place on free of cost.
Monthly Saving (Rs.): Total Return Amount(Rs.):
700 50,000/-
1350 1,00,000/-
2600 2,00,000/-
3850 3,00,000/-
5100 4,00,000/-
6350 5,00,000/-
12,600 10,00,000/-

Other Services

Member Protection Service:
Every member needs to deposit 200 rupees per year into the member protection service fund. In the case of members’ death, the dependent family will be supported with rupees 20,000.00 to 40,000.00 according to the terms and condition of the membership period. He/she who becomes members exceeding his/her age 60 will not be liable to participate in this fund and will not be granted the support accordingly.

Money Transfer Service:
Zest Saving & Credit Co-operative has been providing money transfer service is a sub-agent of various remittance companies like Prabhu, Western Union, Himal remit, Remit to Nepal, GME, Mega Remit, etc. In average Jay Shankar has made a transaction of 20 million in a year.

Training and education.
Zest Co-operative provides regular training and education to its members. Cooperative education, training on financial literacy, other skill related training also is being organized targeting to enhance the entrepreneurship.

Scholarship Program:
Every year on the occasion of its establishment day, Zest Co-operative has been providing scholarship to the poor and intelligent students. It provides one year school or college fee as a scholarship as the scholarship has been categorized in two; i.e. Scholarship for higher secondary level and the scholarship for higher education level.

Support on calamities:
While member faces various natural calamities like earthquake, landslide, flood, fire, etc, Zest Co-operative provides support to the member in this misery.

Senior Member honor:
Every year Zest Co-operative extents honor with cash and the letter of appreciation to its senior members who reach the age of 70.

Zest Co-operative long life Support.
Members exceeding his/her age of 75 is being provided 500 rupees per month as old age allowances until his / her lives.