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In a competitive market like today every producers as well as the distributors are going for schemes to gain high sales. Each and every product in the market here in Nepal has a particular scheme. Whether you talk about food and beverages, home appliances, vehicles, higher end products, daily consumable goods and even on bank's saving accounts. This is weird as providing schemes on bank's saving accounts. The schemes they are providing to the general public are like a home, car, cash and other things as well. So this has become a trend and more than a trend it has become a compulsion to have a scheme on everything. Even when people are encouraged to save their earning, scheme has to be introduced.