Frequently Asked Questions

Any Nepali citizen residing within Birendranagar Municipality — our working area — is welcome to join.

You start with a minimum of one share, Rs 200 in monthly savings and a one-time Rs 100 entry fee — about Rs 400 to open your membership.

A copy of your citizenship certificate, three passport-size photos, two passport-size photos of your nominee, and proof that you live within the working area.

Yes. A guardian who is already a member can open a Child (Protected) Savings account with a Rs 50 entry fee and Rs 100 minimum monthly savings — about Rs 150 to start.

Regular (compulsory) savings, child savings, fixed deposits, recurring savings and special goal-based savings.

Deposits earn a competitive average rate of around 4.97%, reviewed periodically by the Board. Ask at the office for current product rates.

Yes — every member saves a minimum of Rs 200 per month.

Agriculture, business, home and land, education, and emergency (passbook-secured) loans.

The average lending rate is around 10.51%, set by the Board according to market conditions and the type of loan.

Limits depend on approval authority and collateral: up to Rs 5,00,000 at the management level, up to Rs 10,00,000 via the Loan Sub-committee, and larger amounts by the Board. You may also borrow up to 80% of your savings balance.

Once you submit a complete loan file, the Loan Sub-committee reviews it. Secured loans above Rs 5,00,000 require an external collateral valuation.

Bhairavsthan, Birendranagar-4, Surkhet, Karnali Province. Call 083-523742 or email pipalbotsaccos.059@gmail.com.

Yes — registered under the Cooperative Act 2048 (Reg. 259(45) 058/059) and governed by our Byelaws 2078 and Loan Management Procedure 2079.

By an elected Board of Directors and committees, accountable to members through the Annual General Meeting.