सहकार्य गरौँ, सम्बृद्ध बनौँ
Savings, loans and mobile banking for members in Dhulikhel and Banepa.
A community-based co-operative registered under the Co-operative Act 2048. We pool the savings of our community and lend them back to members at fair rates.
1282
Registration No.
2074 BS
Operating since
2
Offices
4
Federations
Forex (NPR)
2026-10-13
Services
What we offer members
Savings and loans for members, plus digital banking, forex rates and programmes run by our sub-committees. Product names to confirm
Loan calculator
Estimate your monthly instalment
Move the sliders to see an estimate. Ask our loan officer for current interest rates and terms. Rates to confirm
Estimated monthly instalment
रु 22,244
- Principal
- रु 10,00,000
- Total interest
- रु 3,34,667
- Total repayment
- रु 13,34,667
This is an estimate only, not a loan offer. Ask our loan officer for current rates.
About us
A community-based co-operative
Atal Panchkunda Saving and Credit Cooperative Ltd is truly community based. This cooperative is actively functioning for the welfare of members and the community. The main objective is to provide the best services to the member using the available resources.
Despite the challenges of the current economic environment, our cooperative has remained focused on strengthening financial stability, enhancing risk management practices, improving internal control systems, and expanding technology and services related to members. Our objective goes beyond financial performance: we are committed to improving the quality of life of our members and contributing positively to community development.
Keeping the co-operative principles, values and importance, we have initiated the work of improving the life of the members of our co-operative by collecting and investing the capital that is spread around in our community. According to the co-operative act of 2048, Atal Panchkunda SACCOS started the regular work after the unification of Atal SACCOS (registered on 27th Chaitra, 2065) and Panchkunda SACCOS on 15th Chaitra, 2073 and was registered on 3rd Baisakh, 2074.
- Registration No.
- 1282
- Registration date
- 2073 Chaitra 15 (after unification)
- Operations started
- 2074 Baisakh 3
- Registered under
- Co-operative Act 2048
- Central Office
- Dhulikhel-4, Kavrepalanchowk
- Service Centre
- Banepa-6, in front of the Ward Office
- Workplace
- Dhulikhel Municipality and Banepa Municipality
2065
Atal SACCOS registered
Registered on 27 Chaitra 2065.
2073
Unification with Panchkunda SACCOS
Atal SACCOS and Panchkunda SACCOS unified on 15 Chaitra 2073.
2074
Atal Panchkunda SACCOS begins operations
Registered on 3 Baisakh 2074 and started regular work.
2082/83
Annual Progress Report published
Annual progress and audit report released ahead of the 10th Annual General Meeting.
Vision and mission
Why we exist
Vision
Community-based affiliate cooperative organization.
Mission
The mission of our organization is to gain the utmost trust of our community and to make the utmost use of the limited resources in order to provide easy, fast and reliable services to our members.
Objectives
- To establish the habit of regular saving by inducing localization, togetherness, helpfulness and less expenditure among our members and our society.
- To provide loan with best interest rates in order to improve productivity, income generation and skillfulness.
- To organize various activities in order to improve the economic condition of our members.
- To accept any donations or help from foreign organizations without accepting any harmful or useless terms and conditions.
- To achieve our objectives by maintaining supportive association with local, regional, national and international organizations with similar objectives.
Leadership
Messages from our leaders
Kamal Bahadur Raya
Chairman
A cooperative is not only a financial organization but also a social institution that plays a vital role in uplifting the economic and social well-being of its members and the community.
Read the full message
It gives me great pleasure to share a few words as the Chairman of Atal Panchkunda Savings and Credit Cooperative Society Ltd. Our cooperative has continued to move forward with the strong foundation of mutual trust, cooperation, transparency, and member-focused service.
Over the years, Atal Panchkunda SACCOS has worked diligently to promote financial inclusion, encourage savings habits, and provide responsible credit services to our members. Despite economic challenges and changing financial environments, the cooperative has remained resilient due to sound governance, prudent financial management, and the collective commitment of our members and staff.
The Board of Directors remains fully dedicated to ensuring good governance, policy compliance, risk management, and long-term sustainability of the institution. We believe that a cooperative is not only a financial organization but also a social institution that plays a vital role in uplifting the economic and social well-being of its members and the community.
Looking ahead, we are committed to strengthening institutional capacity, embracing innovation, enhancing member services, and maintaining the highest standards of accountability and transparency. Your continued trust, participation, and constructive feedback are essential to achieving these goals.
On behalf of the Board of Directors, I would like to express my sincere gratitude to our members, management team, employees, regulators, and all stakeholders for their unwavering support and cooperation. Together, we will continue to build a strong, reliable, and sustainable cooperative for the future.
Shree Ram Timalsina
Manager
Our objective goes beyond financial performance. We are committed to improving the quality of life of our members and contributing positively to community development.
Read the full commitment
Atal Panchkunda Saving and Credit Cooperative Ltd is truly community based cooperative. This cooperative is actively functioning for the welfare of members and the community. The main objective is to provide the best services to the member using the available resources.
Despite the challenges of the current economic environment, our cooperative has remained focused on strengthening financial stability, enhancing risk management practices, improving internal control systems, and expanding technology and services related to members.
Our team
Board, committees and staff
- Kamal Bahadur Raya
Chairperson
- Janak Timalsina
Vice Chairman
- Jayaram Kuikel
Secretary
- Bharat Bahadur K.C. Khatri
Treasurer
- Rajaram Parajuli
Member
- Ramesh Khatri
Member
- Sabitri Bajgain
Member
- Shiva Prasad Poudel
Member
- Sumitra Timalsina
Member
Tap or hover a name to highlight the photo.
Notices
Latest news and notices
Notices, reports and programme announcements for members. Swipe or use the arrows to see more.
आ.व. २०८२/०८३ को वार्षिक प्रगति प्रतिवेदन
August 26, 2026
Report
१० औँ वार्षिक साधारण सभा सम्बन्धी सूचना
August 19, 2026
Notice
KYM अद्यावधिक सम्बन्धी सूचना
August 19, 2026
Notice
नवौँ वार्षिकोत्सव कार्यक्रम सम्बन्धि सूचना
March 26, 2026
Notice
सदस्य भ्रमण कार्यक्रम सम्बन्धी सुचना
January 9, 2026
Notice
बाल बचतकर्ता भ्रमण कार्यक्रम सम्बन्धी सुचना
January 1, 2026
Notice
Activities
Activities and events
Training, farmer programmes and member gatherings organised by our sub-committees. Tap a card to read the full report.
Mobile banking
Atal Panchkunda SMART
Atal Panchkunda SMART is our digital platform for financial transactions. Members can access co-operative services easily through their smartphones.
- Balance inquiry
- Account statement
- Fund transfer within the co-operative
- Electricity, water and internet bills
- Mobile top-up and recharge
- QR and merchant payments (where enabled)
- Secure login and OTP verification
- 1Download the Atal Panchkunda Smart App from the Google Play Store
- 2Register with your Member ID and registered mobile number
- 3Verify with the OTP and set your security PIN
- 4Start using mobile banking services
You must be a registered member, and your mobile number must be linked to your co-operative account. For first-time registration or any problem, visit our office or contact the customer service / IT desk.
Find the app on Google PlayMember's view
In their own words
आज बिभिन्न सहकारीहरु विविध समस्याग्रस्त भएको अवस्थामा पनि समस्या रहित भई सम्पूर्ण सदस्यहरुलाई विश्वसनिय र भरपर्दो सेवा प्रदान गर्ने जिल्लाको उत्कृष्ट सहकारीको रुपमा चिन्दछु। Uday Prakash Giri
Member No. 0616
Read the full member story1 / 3
Foreign exchange rates
Published 2026-10-13
| Currency | Unit | Buy | Sell |
|---|---|---|---|
| U.S. Dollar (USD) | 1 | 152.94 | 153.54 |
| Indian Rupee (INR) | 100 | 160.00 | 160.15 |
| European Euro (EUR) | 1 | 171.03 | 171.70 |
| UK Pound Sterling (GBP) | 1 | 202.42 | 203.22 |
| Qatari Riyal (QAR) | 1 | 41.96 | 42.12 |
| UAE Dirham (AED) | 1 | 41.64 | 41.80 |
| Saudi Arabian Riyal (SAR) | 1 | 40.72 | 40.88 |
| Malaysian Ringgit (MYR) | 1 | 37.38 | 37.53 |
Show all 22 currencies
| Swiss Franc (CHF) | 1 | 183.59 | 184.31 |
| Australian Dollar (AUD) | 1 | 106.61 | 107.03 |
| Canadian Dollar (CAD) | 1 | 107.22 | 107.65 |
| Singapore Dollar (SGD) | 1 | 119.41 | 119.88 |
| Japanese Yen (JPY) | 10 | 9.64 | 9.68 |
| Chinese Yuan (CNY) | 1 | 22.85 | 22.94 |
| Thai Baht (THB) | 1 | 4.55 | 4.57 |
| South Korean Won (KRW) | 100 | 11.48 | 11.52 |
| Swedish Kroner (SEK) | 1 | 15.26 | 15.32 |
| Danish Kroner (DKK) | 1 | 22.88 | 22.97 |
| Hong Kong Dollar (HKD) | 1 | 19.49 | 19.57 |
| Kuwaiti Dinar (KWD) | 1 | 496.32 | 498.26 |
| Bahrain Dinar (BHD) | 1 | 404.82 | 406.41 |
| Omani Rial (OMR) | 1 | 397.22 | 398.78 |
Rates are indicative only and are subject to change without prior notice depending on market conditions.
For buying foreign currency cash in denominations of 50 or above, the non-cash rate applies.
Downloads
Reports and notices
Affiliations
Federations we belong to
Contact
Become a member or ask a question
Visit either office during working hours, call us, or send an enquiry with this form. Our staff will explain membership, savings and loans.
- Central OfficeDhulikhel-4, Kavrepalanchowk
- Service CentreBanepa-6, in front of the Ward Office
- Phone011-415042, 011-415104, 011-663018
- Emailinfo@atalpanchkunda.coop.np
atalpanchkundasaccos@gmail.com confirm Gmail