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Charges

Issuance of Balance Certificate/TDS Certificates/
Other Certificate
Balance certificate: Free for one time.
Duplicate : NPR 1000
Public Institution: Free once in a Quarter end balance for TDS Certificate,
Other Institution: Free once in a Fiscal Year-end Balance & TDS Certificate
Other NPR 500 per Certificate
Balance Reconfirmation Request (Applicable to Company and Institution) NPR 300 per Confirmation
ATM Card Return Failure Charge at closing of account NPR 100
Cheque Book Return Failure Charge at closing of account NPR 200
Cheque Book Issuance Against Lost Cheque Book or requisition slip  NPR 300
Charge Against Uncollected Cheque Books (Within 3 Months of Cheque Book Issued) NPR 250  (cheque book shall be destroyed if not collected within 90 days)
Issuance of Loose Cheque Leaf (against already issued cheque book and ATM failure) NPR 50 per Leaf For illiterate customer : Free ATM operation failure : Free (wherever applicable - limited Up to one lakh only)
Account Statement (All types) Free for one time. Reprint = NPR 100 per Statement for each quarter.
Statement to be Posted/Faxed Abroad NPR 300 or US$ 10 (For FCY Account)
per Statement/Page for International
NPR 100 or US$ 5 (For FCY Account)
per Statement/Page for Domestic.
Fixed Deposit Duplicate Certificate NPR 500 per Request
Issuance of Duplicate Customer (Dr/Cr) Advice NPR 100 per Advice (within six months
NPR 200 per advice (above six months)
No charge for Credit Clients
Photocopy of Instrument
Retrieval Charge
Within Six Months - 100 per page
Six Months to One Year - NPR 300 per page
One Year and Above - NPR 500 per page
Inter Branch Charges (Above standard charges plus)  
Issuance of Balance Certificate/TDS Certificates /Other Certificate NPR  100
Normal request/lost cheque book request
(Max 20 Leaves) 
NPR 200, If sufficient number of Valid Cheques
(5 or more leaves) in CBS NPR 300 
One leaf cheque for urgent request NPR 50
Account Statement (All types) NPR 100
Standing Instructions NPR 250 per Request.
Free for Call/Current Transfer
Cancellation of 'Good for Payment NPR 750
Manager's Cheque Issuance NPR 500 per Cheque
Cancellation of Manager's Cheque NPR 250 per Cheque
Cheques Returned Unpaid Through Cash Counter
(Insufficient Fund )
NPR 300 or US$ 5 (for FCY cheques)
FCY Note Deposit Into FCY Account As Specified by NRB From Time to Time.
NRB Cheque Issuance Account Holder: NPR 500
Financial Institution: Free
Cancellation of NRB Cheque NPR 250

ECC Charge for Cheque Amounting NPR 200,000 and Above NPR 200,000

Cheque Amount < 200k: Nil
Cheque Amount 200k: NPR 10
Cheque Amount > 200k: NPR 15

Late presentment of Cheque

Additional NPR 200

Express Clearing

NPR 100 per Request

Inward Cheque Return (Insufficient Fund)

NPR 300 per Return Cheque

Cheque/IPS/Connect IPS/RTGS Present/Return/Other Advice Retrieval

Free: up to 3 months
NPR 500 after 3 months to 1 year
NPR 1,000 after 1 year

Non-Customers/Tourist

0.25% or Minimum NPR 500 If Paid in LCY at Counter.

Transfer to Another Bank

NPR 500

Issuance of Advance Payment Certificate

NPR 500 per Certificate

Refund of Inward Payment & Nostro Cover

US$ 10 Plus Correspondent Bank Charges Plus Swift Charge

Outward (cc) in LCY 0.15% or minimum NPR 500 
Outward in Foreign currency 0.15% or minimum NPR 500 plus courier charge.NPR 750 per cheque
Cheque return in LCY and FCY 0.15% or minimum NPR 500 plus postage charge.Currency/Location wise rates may vary.

Note: -Any changes in charges for Share, IPS, Connect IPS, RTGS, Clearing, by the regulator shall be applicable immediately.

LC Issuance Charge

0.125% per Quarter and Part Thereof for Subsequent Quarter or Minimum NPR 1,000 per Quarter

LC Amendment With Change in Value And/ or Expiry

As per New LC Value or Expiry Date or Minimum NPR 1,000 Per Quarter Plus Swift Charge

LC Amendment Charge Not Affecting Value and/or Expiry

Flat NPR 1,000 and Swift Charge

LC Amendment for Customs Purpose

Flat NPR 1,000

Discrepancy Charge

For NPR LC: NPR 2,000 per Document For INR LC: INR 2500 per Document For US$ LC: US$ 50 per Document For Other FCY LC: Equivalent to US$ 50 per Document Plus Communication Charge US$ 10 per message.

Usance LC Acceptance Commission

0.15% per Quarter or Minimum NPR 1000 per Quarter

Document Handling Charge LC/DAP/DAA

NPR 750 per Document Plus Swift Charge

Inward Document Collection – International

0.25% of Document Value or Minimum NPR 1,000 Whichever Is Higher Plus Swift Charge

Inward Document Collection - Local

0.10% of Document Value or Minimum NPR 1,000 Whichever Is Higher

BCI Report

Actual Plus Swift Charge

Document Against Payment (DAP)

0.20% or Minimum NPR 1,500

Document Against Acceptance (DAA)

0.30% or Minimum NPR 2,000

LC Cancellation Charge

NPR 1,000 Plus Swift Charge

LC Advising charge

With our bank: NPR 1500

With other bank: NPR 2000

LC Amendment charge NPR 1000
Original LC handover NPR 4000
Original LC amnedment handover NPR 2000
LC transfer charge 0.25% on transferred amount or min NPR 2000 plus SWIFT charge
Payment/Negotiation (Documentary/Sight/Usance)
  • 0.50% upto 15 days or min NPR 1000 whichever is higher
  • Beyond 15 days (prevailing interest rate applicable) will be levied on negotiation amount
Cash against document (CAD) For limit holder - NPR 2500
Non Limit Holder - NPR 4000
Negotiation of documents against own LC NPR 2500
BCI Report of Beneficiary from Benificiary Bank (TT): USD 10

Bid Bond Issuance Charge

0.30% per Quarter or Minimum NPR 1,000 per Quarter Whichever Is Higher

Performance Bond Issuance Charge

0.35% per Quarter or Minimum NPR 1,000 per Quarter Whichever Is Higher

Advance Payment Issuance Charge

0.40% per Quarter or Min NPR 1,000 per Quarter Whichever Is Higher

Guarantee With Open End Maturity Date Issuance Charge

1.5% or Minimum NPR 8,000 Per quarter

Credit Supply Guarantee Issuance Charge

0.40% per Quarter or Minimum NPR 1,000 per Quarter Whichever Is Higher

Counter Guarantee Issuance Charge for Local and Foreign Guarantee

0.40% per Quarter or Minimum of NPR 1,000 Plus Communication/ Charge of Other Banks

Custom Guarantee/Miscellaneous

0.40% or Minimum NPR 1,000 per Quarter Whichever Is Higher

Amendment(Other Than Time Extension and Value Increment)

NPR 1,000

Amendment for Value and Time Extension

Same As Guarantee Issuance Charge or Minimum NPR 1000 Per Quarter

Guarantee Claim Handling Charge

NPR 2,000 Plus Other Relevant Charge

Advising Guarantee to Other Banks

US$ 150 or Equivalent

Issuance of Guarantee to the court of Nepal/CIAA or similar nature related Guarantee (Open End)

1.5% or Minimum NPR 8,000 Per quarter

Recommendation Letter (Exim Code) for custom office NPR 750 per issue.

Foreign Direct Investment (FDI) certificate Issuance Charge NPR 500 per issue.

Advance Payment Certificate for Exports Issuance Charge NPR 500 per issue.

LC Message

NPR 2,000/US$ 20 for Debit of FCY A/C

Telex/SWIFT Other Than Amendment

NPR 1,000/US$10 for Debit of FCY A/C

Telex/SWIFT for Amendments

NPR 1,000/US$10 for Debit of FCY A/C

  • Swift Charge NPR 500 shall be levied for all draft cancellation and Stop Payment.

Domestic

NPR 300 per Parcel Upton 500 gm

India

NPR 750 per Parcel Upton 1,000 gm

Cheque /Card Courier Charge

NPR 50 Inside Valley / NPR 180 Outside Valley

Foreign Countries Excluding India

US$ 30 or Equivalent to NPR Amount

Units

Type of Facility

Processing Fee

Renewal Fee

Corporate, Infrastructure & Project Financing and Mid Corporate

OD/Demand Loan/ Term Loan/ BGL/Trust Receipt Loan/Margin Lending and any other funded limits

Up to 0.25%

Up to 0.15%

Hire Purchase Loan/Auto Loan/Home Loan

0.50% - 0.75%

NA

Non funded facilities (Permanent limits)

Up to 0.10%

Up to 0.10%

SME

OD/Demand Loan/ Term Loan/ BGL/Trust Receipt Loan/Margin Lending and any other funded limits

0.50% - 0.75%

Up to 0.15%

Hire Purchase Loan/Auto Loan/Home Loan

0.50%-0.75%

NA

Non funded facilities (Permanent limits)

Up to 0.25%

Up to 0.10%

Retail

Personal OD/Personal Term Loan/Hire Purchase Loan

0.50% - 0.75%

Personal OD: Up to 0.15%

Home Loan/Auto Loan /Education Loan

0.50% - 0.75%

NA

Margin Lending (Individual)

0.50% - 0.75%

Up to 0.15%

DSL & Agriculture– Individual

Overdraft/Demand Loan/Term Loan/Any Other Funded Loans

0.50% - 0.75%

Up to 0.15%

DSL (Wholesale) & Agriculture – Institution

Overdraft/Demand Loan/Term Loan/Any Other Funded Loans

Up to 0.25%

Up to 0.15%

DSL (Wholesale) to Micro Financial Institutions

Overdraft/Demand Loan/Term Loan/Any Other Funded Loans

Up to 0.25%

Up to 0.15%

All Swap Cases under Mid Corporate, Corporate and Infrastructure & Project Financing

All funded and non-funded exposures – under all Units

Up to NPR 200,000.00 Flat but not exceeding upper threshold of processing fees under respective units.

NA

Additional fees/Charges tariff for:

All kind of one off deals and limits: (Within or beyond existing approved lines/terms)

Up to 0.50% of new one off limit/deal

NA

All kind of extension of existing deals/limits: (Beyond existing approved lines/terms)

Up to 0.25% of extended deal/limit amount

NA

Processing Fees for Bank Guarantees issued to specific purpose (Exim Code, Travel Agency License, Membership etc.)

0.25% - 0.50%

Up to 0.15%

Temporary Extension of Credit Facilities (Regular Credit Limits) for more than 15 working days from the date of original expiry.

Rs. 2,500.00 Flat

NA

Consortium Loans

As per consortium decision

 

 

Commitment, Prepayment and Swap Charges:

Units

Type of Charges

Applicable Charges

Corporate, Infrastructure & Project Financing and Mid Corporate

Commitment Fee

(Only on terminating basis loan)

Up to 0.15% of unutilized limit for OD if the utilization is below 70% to be applied at the time of renewal. In case of Term Loan, commitment fee shall be levied at the time of final disbursement.

 

Prepayment Charge (Only on terminating basis loan)

Within 2 Years of final Loan Disbursement

2 to 5 Years of final Loan Disbursement

Above 5 Years of final Loan Disbursement

0.75%

0.375%

0.15%

Swap Charge (Loan swap to other B/FIs)

0.75%

0.375%

0.15%

SME

Commitment Fee

Up to 0.15% of unutilized limit for OD if the utilization is below 70% to be applied at the time of renewal. In case of Term Loan, commitment fee shall be levied at the time of final disbursement.

Prepayment Charge (Only on terminating basis loan)

Within 2 Years of final Loan Disbursement

2 to 5 Years of final Loan Disbursement

Above 5 Years of final Loan Disbursement

0.75%

0.375%

0.15%

Swap Charge (Loan swap to other B/FIs)

0.75%

0.375%

0.15%

Retail

Commitment Fee

Up to 0.15% of unutilized limit for OD if the utilization is below 60% to be applied at the time of renewal. In case of Term Loan, commitment fee shall be levied at the time of final disbursement.

Up to 0.15% of unutilized Education Loan limit where the limit is not utilized within a year.

Prepayment Charge (Only on terminating basis loan)

Within 2 Years of final Loan Disbursement

2 to 5 Years of final Loan Disbursement

Above 5 Years of final Loan Disbursement

0.75%

0.375%

0.15%

Swap Charge (Loan swap to other B/FIs)

0.75%

0.375%

0.15%

DSL & Agriculture – (Individual & Institutional

/Wholesale)

 

(Applicable except for DSL Institutional and Wholesale to Micro Financial Institutions)

Commitment Fee

Up to 0.15% of unutilized limit for OD if the utilization is below 60% to be applied at the time of renewal. In case of Term Loan, commitment fee shall be levied at the time of final disbursement.

Prepayment Charge (Only on terminating basis loan)

Within 2 Years of final Loan Disbursement

 

2 to 5 Years of final Loan Disbursement

Above 5 Years of final Loan Disbursement

0.75%

0.375%

0.15%

Swap Charge (Loan swap to other B/FIs)

0.75%

0.375%

0.15%

All Credit Segments

Prepayment and/or Swap charges for Terminating basis loan under Fixed Interest Rate Scheme

0.75%

Consortium Loans

As per consortium decision.

 

Notes: Free Services

  • Account closure
  • Cheque book issuance within same branch
  • Dormant or Inactive Account Activation Charge
  • Ledger Fee for Current /Saving Account FCY. (less than minimum balance)
  • SMS Banking Pin Regeneration
  • Credit Card Unblock
  • ABBS Cash Deposit/Payment
  • Stop Payment Request- Cheques LCY
  • Cheques Certified 'Good for Payment'
  • CRN Generation
  • DIS issuance
  • Telex/Swift/Mail/Inward (G) for our customer nil         

Education/ FCY Service Payment

Com.: 0.10% or 500 whichever Higher
Swift Charge NPR 1000 Flat
Overseas Charge 'OUR' US$ 30, INR As per Actual
Com. on DD Issuance: 0.10% or 250 Whichever Higher

Domestic 0.10% of document value or min NPR 1000 to max NPR 5000 whichever is higer plus postage/courier charge
International 0.12% of document value or min NPR 1000 to max 7000 whichever is higher plus communication/courier charge
Freight permit charge NPR 500 per transaction

Advance Payment for Import of Goods From Third Countries

0.10% or Minimum NPR 750 per Transaction Plus Swift Charge

Advance Payment to Third Countries With Overseas Charges "OUR"

Currency Wise: US$ 30, Euro 30, GBP 30, AUD 30 Etc.

Advance Payment for Import of Goods From India

0.10% or Minimum NPR 500 per Transaction Plus Swift Charge

Credit Payment for Import of Goods From India

0.10% or Minimum NPR 500 per Transaction Plus Swift Charge

Advance & Credit Import Payment to India With Charges "OUR"

Actual Amount Debited in Nostro A/C

Demand Draft Issuance Charge for Credit Import/Advance Payment

0.10% or Minimum NPR 300 per Demand Draft Whichever Is Higher

Demand Draft Stop Payment Charge

NPR 250

Demand Draft Cancellation Charge

NPR 250

Type (Size)

Security Deposit

Annual Rental Charge
(Inside Valley)

Annual Rental Charge (Outside Valley)

1A/90/66 (Small)

5,000

2,000

1,500

2B/46 (Small)

6,000

2200

1,700

1C/6 (Medium)

7,500

2,500

2,000

2E/2 (Medium)

8,500

2,750

2,200

2H1/1 (Large)

9,000

3,000

2,300

1F/24 (Large)

10,000

3,500

2,500

2H/2 (Ex. Large)

12,000

5,000

3,200

Breaking of Locker (If Customer Losses Key)

 

On the Basis of Actual Cost Provided by Vendor.

The Security Deposit & Annual Rental Charge for Locker Size Other Than Mentioned Above Size Approval of CEO to be Obtained.

Mobile Banking

NPR 250 per Year

SMS Alert

NPR 250 per Year

Internet Banking

NPR 100 per Year

Internet Banking Password Regeneration

NPR 50

Debit Card Issuance

NPR 700 for 3 years. Option to pay in equal yearly instalment of NPR 250 per year.

 Urgent Issue: Plus NPR 250.00

Debit Card Reissue Against Lost/ Damage

NPR 250

Debit Card Linked With Additional Account

NPR 150

Debit Card Unblock

NPR 100

Credit Card Issuance/Renewal (After Expiry)

Classic: Joining NPR 750 & Annual NPR 750
Gold: Joining NPR 1,000 & Annual NPR 1,000

Credit Card Reissue against lost/Damage

Classic: NPR 750 Gold: NPR 1,000

Travel/Prepaid Card (Dollar Card Issuance/Renewal (After Expiry)

NPR 1,000

Travel/Prepaid Card Reissue Against Lost/Damage

NPR 1,000

Travel/Prepaid Card Reload (from 2nd time onwards)

NPR 250

Debit/Credit/Travel/Prepaid Card Pin Regeneration

NPR 150 (Green PIN: Free)

Debit Card Destruction Charge

NPR 200

Management of Government Bonds:

As per NRB

Handling of Gold/Silver Charge:

NPR 500 per day per 100 KG

CCTV footage request Charge:

NPR 1,000 per request

(Free to Police, Court, Govt. Authorities)

Demat Account Opening

NPR 150

Demat Account Renewal Charge

NPR 100 (per year)

Share Apply through ASBA

NPR 25

Mero Share Registration

NPR 50

Mero Share Renewal Charge

NPR 50 (per year)

Amount

Amended Charges

Up to NPR 500

NPR 2

>NPR 500 to NPR 50K

NPR 5

>NPR 50K

NPR 10

Up to NPR  500

NPR 2

>NPR 500 to NPR 5K

NPR 5

>NPR 5K to NPR 50K

NPR 10

>NPR 50K

NPR 15

 

Morning  Session (up to 12:00 PM)

NPR 50 per request

Afternoon Session (beyond 12:00 PM)

NPR 100 per request

Institutional

NPR 150 per request