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Charges

Issuance of Balance Certificate/Other Certificates NPR 500/- for institutional account – Free for Balance Certificate of fiscal year end once a year. Other NPR 500/- per certificate

If account is more than 3 months old: NPR 500/-

If account less than 3 months old: NPR 1,000/-
Balance Reconfirmation Request (Applicable to company and institution) NPR 300/- per request
Account Closure Free for all types of account.
Cheque Book Return Failure Charge NPR 200/-
ATM Card Return Failure Charge NPR 100/-
Dormant or Inactive Account Activation Charge Nil
Ledger Fee for current/saving account/FCY (Less than minimum balance) Nil
Cheque Book issuance against lost cheque Book NPR 500/-
Cheque requisition slip lost NPR 300/-
Charge against uncollected Cheque Books (Within three month of cheque book issued) NPR 250 (if Cheque Book not collected within 90 days, destruction of cheque shall be preceded thereafter)
Savings Account Statement Once in every quarter free and reprint NPR 100 per statement for each 90 days
Current Account Statement Once in every quarter free and reprint NPR 100 per statement for each 90 days
Fixed Account Statement NPR 100 
Duplicate Statement NPR 100
Issuance of withdrawal slip (Same branch) NPR 100 issuance of withdrawal slip where withdrawal slip has to be issued due to failure of ATM operation, no charge should be leived
Issuance of withdrawal slip (Inter Branch) NPR 200
Issuance of Loose cheque leaf (within same branch) NPR 200 per leaf
Statement to be posted /Faxed Abroad NPR 300 or USD 10 (For FCY account) per statement/Page for international
NPR 100 or USD 5 (For FCY account) per statement/Page for domestic
Issuance of Duplicate Customer (Dr/Cr) Advice No charge for credit client
NPR 100 per advice (within six months)
NPR 200 per advice (above six months)
Photocopy of instrument retrieval charge Within six months - Free
Six months to one year - NPR 500
One year and above - NPR 1000
Mobile Banking  1st year free, after 1st year NPR 250/- per year
SMS Alert

NPR 250 per year (for standard amount)

NPR 500 per year (for alert below the standard amount)
Mobile banking with SMS Alert

NPR 250 per year from 1st year onwards
Internet banking Password regeneration NPR 50
SMS banking pin regeneration NPR 50
Debit card issuance/renewal (after expiry) charge 1st year free for all savings accounts then after NPR 250 per year. If in case of account closing within a year, account holder will be liable to pay NPR 250
Debit card urgent issuance NPR 250
Credit card issuance/renewal (after expiry)

Classic: Joining NPR 750 & Annual NPR 750

Gold: Joining NPR 1000 & Annual NPR 1000
Credit card reissue against lost/ damage

Classic: NPR 750

Gold: NPR 1000
Credit card pin regeneration NPR 150
Credit card unblock Free
Travel card (dollar card) issuance/renewal (after expiry) NPR 1000
Travel card reissue against lost/damage NPR 1000
Travel card reload (from 2nd time onwards) NPR 250
Travel card pin regeneration NPR 150
ABBS Free for all types of account
Debit card reissue against lost/damage NPR 250
Debit card linked with additional account NPR 150
Debit pin regeneration NPR 150
Debit card unblock NPR 100
Debit card destruction charge NPR 200
Fixed Deposit duplicate certificate NPR 500 per request
Standing Instructions NPR 250 per request. Special SI request placed by customer
Stop Payment Request- Cheques LCY NPR 300 per instruction
Cheques certified "Good For Payment" NPR 1000 Flat
Cancellation of "Good For Payment" NPR 500
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 USD 5 (For FCY cheques)

FCY note deposit into FCY account

As Specified by NRB from time to time

Account Holder: NPR 500

Financial Institution: Free

NPR 250

NRB cheque issunace

Cancellation of NRB cheque
Express Clearing NPR 100 per request
Inward Cheque Return (Insufficient fund) NPR 300 Per return cheque
ECC charge for cheque amounting NPR 200,000 and above NPR 200,000

NPR 10 per cheque (For NPR 200,000)

NPR 15 per cheque (Above NPR 200,000)

No charge below cheque amount NPR 200,000
Our Customers Nil
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 USD 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.
TC issuance to customer 0.75% of face value plus AMEX/other bank charges
TC issuance to Non customer 1% of face value plus AMEX/other bank charges
TC encashment 1.0% of face value or inimum NPR 250/- (inclusive of postage charge) Currency charge may be different
LC issuance charge 0.125% per quarter and part thereof for subsequent quarter or minimum NPR 1000 per quarter
LC amendment with charge in value and/or expiry As per new LC value or expiry date or minimum NPR 1000 plus swift charge
LC amendment charge not affecting value and/or expiry Flat NPR 750 plus Swift charge
LC Amendment for customs purpose Flat NPR 500
Discrepency Charge

For NPR LC: NPR 2000 per document For INR LC: INR 2500 per document For USD LC: USD 50 per document For other FCY LC: Equivalent to USD 50 per document plus communication charge USD 10 per message
   
Usance LC Acceptance commission 0.15% per quarter or minimum NPR 1000 per quarter
Document Handling charge NPR 750 per document plus Swift charge

Inward Document Collection - International

 0.25% of document value or min NPR 1000 whichever is higer plus Swift charge
Inward Document Collection - Local 0.10% of document value or min NPR 1000 whichever is higher
BCI report Actual plus SWIFT charge
Document Against Payment (DAP) 0.20% or minimum NPR 1500
Document Against Acceptance (DAA) 0.30% or minimum NPR 2000
LC Cancellation Charge NPR 1000 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 Issaunce Charge 0.30% per quarter or min NPR 1000 per quarter whichever is higher
Performance Bond Issuance Charge 0.35% per quarter or min NPR 1000 per quarter whichever is higher
Advance Payment Issuance Charge 0.40% per quarter or min NPR 1000 per quarter whichever is higher
Guarantee with open end maturity date issuance charge  1.5% or minimum NPR 8000 per quarter
Credit supply guarantee issuance charge 0.40% per quarter or minimum NPR 1000 per quarter whichever is higher
Counter Guarantee Issuance Charge for Local and Foreign Guarantee 0.40% per quarter or minimum of NPR 1000 plus communication/chrge of other banks
Custom Guarantee/Miscelleaneous 0.40% or min NPR 1000 per quarter whichever is higher
Amnedment (other than time extension and value increment) NPR 1000 
Amnedment for value and time extension Same as Guarantee issuance charge or min NPR 1000
Guarantee claim handling charge NPR 2000 plus other relevant charge
Advising Guarantee to other banks USD 150 or equivalent
Issuance of guarantee to the court of Nepal/CIAA or similar nature related guarantee (open end) 1.5% or min NPR 8000 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 2000/USD 20 for Debit of FCY A/C
Telex/SWIFT other than amendment NPR 1000/USD 10 for Debit of FCY A/C
Telex/SWIFT for amendments NPR 1000/USD 10 for Debit of FCY A/C
Swift charge NPR 500 shall be leived for all draft cancellation and Stop payment
Domestic NPR 300 per parcel upto 500
India NPR 750 per parcel upto 1000
Foreign Countries excluding India USD 30 or equivalent to NPR amount
Unit Type of Facilities/Loan Processing Fee Renewal Fee
Corporate, Infrastructure and Mid Corporate OD/Demand Loan/Term Loan/BGL/Trust Receipt and Any other funded loans Up to 0.25%  Up to 0.15% 
Hire Purchase Loan/Auto Loan/Home Loan/Margin lending 0.50% - 0.75%  0.50%
Non funded facilities (permanent limits) Up to 0.10% Up to 0.10%
Commitment Fee : 0%-0.25% of unutilized limit for OD loans if utilization is below 60%
Prepayment Charge (Only in Terminating Basis Loan) Up to NPR 5.0 mio.-Nil and above NPR 5.0 mio as per approved terms. Prepayment charge for project financing (Own) 2% Flat or as per NRB directives
  Processing fee as per Consortium decision
SME OD/Demand Loan/Term Loan/BGL/Trust Receipt and Any other funded loans 0.50% - 0.75% Up to 0.15%
Hire Purchase Loan/Auto Loan/Home Loan/Margin lending 0.5% - 0.75% OR minimum NPR 10,000/- 0.50%
Non funded facilities (permanent limits) Up to 0.25%  Up to 0.10% 
Commitment Fee 1% of unutilized limit for OD loans if utilization is below 70% on average in year to year basis (Charged on review period)
Prepayment Charge Prepayment charge as per approved but not above 1% 
Loan Swap Charge 2% of outstanding principal amount or as per NRB directives
  Processing fee as per Consortium decision
Retail

Personal OD/ Personal Term Loan/ Hire Purchase Loan

  
0.50% - 0.75%
Personal OD: Up to 0.15%
Home Loan Review/Auto Loan/ Education Loan 0.50% - 0.75% N/A
Margin Lending 0.50% - 0.75% Up to 0.15%
Prepayment Charge Up to NPR 5.0 Mio.-Nil ,1% flat
Commitment Fee 1% of unutilized limit for POD loans if utilization is below 60% on average in year to year basis (Charged on review period)
Commitment Fee for Education Loan 1% of unutilized limit where the limit is not utilized within a year
Loan Against FD Base rate +1% or card rate +2% whichever is higher N/A
Other Bank FD Base rate +3% N/A
Loan Swap charge 2% of outstanding principal amount or as per NRB Directives
DSL & Agriculture-Individual OD/Demand Loan/Term Loan/ Any other funded loans 0.50% - 0.75% Up to 0.15%
DSL (wholesale) & Agriculture-Institutional OD/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 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 loan As per Consortium decision

Commitment, Prepayment and Swap Charges:

Units

Type of Charges

Commitment, Prepayment and Swap Charges:

 

Corporate, Infrastructure & Project Financing and Mid Corporate

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%

SME

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%

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.
Education/FCY Service Payment

Com: 0.10% or 500 whichever higher

Swift charge NPR 500 Flat

Overseas charge "OUR" USD 30 (Except INR)

Com. On DD Issuance: 0.10% or 250 whichever higher

Amount

Charge

Upto NPR 500

NPR 2

>NPR 501 to NPR 50K

NPR 5

>Above 50K 

NPR 10

RTGS: Actual as per NRB and NCHL
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 min NPR 750 per transaction plus Swift charge
Advance payment to third countries with overseas charges "OUR"  Currency wise: USD 30, Euro 30, GBP 30, AUD 30, etc
Advance payment for import of goods from India 0.10% or min NPR 500 per transaction plus Swift charge
Credit payment for import of goods from India 0.10% or min NPR 500 per transaction plus Swift charge
Advance & credit import payment to India with charges "OUR"  Actual amount debited in Nostro Account
Demand Draft issuance charge for credit import/Advance payment 0.10% or min NPR 250 per Demand Draft whichever is higher
Demand Draft stop payment charge NPR 250
Demand Draft cancellation charge NPR 250
Type Security Deposit Annual Rental Charge (Inside Valley) Annual Rental Charge (Outside Valley)
1A/90/66 5,000 2,000 1,500
2B/46 6,000 2200 1,700
1C/6 7,500 2,500 2,000
2E/2 8,500 2,750 2,200
2H1/1 9,000 3,000 2,300
1F/24 10,000 3,500 2,500
2H/2 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 is refundable at the time of surrender of the Locker key by the customer
Note: Charges and Interest rates for other services/products will be advised prior to effecting transactions that are not covered herein and will be provided upon request.

Letter of Acceptance and Understanding: I/We hereby state that the Century Bank's staff has explained to me/us to my/our full satisfaction the various fee structure and charges as mentioned above and I/We understand and accept that these charges will be levied to me/us upon use of Century Bank's products and/or services except those charges that are waived, if any. I/we also recognize that these are key charges applicable for Banking products and services and other charges will be levied as appropriate depending on the type of transactions that I/we will be undertaking in future.
I/We also accept that the Century Bank reserves the right to review and/or amend these charges and interest rates as applicable and the information shared by the bank in any form of public communication will be acceptable to me.
Understood, Accepted and Received a Copy:  
Signature of Customer:  
Customer's Name:  
FCY Cheque 0.10% of face value or min. NPR 750. Currency/Location wise rate may be different
Local outstation Cheques 0.25% or min NPR 500 plus postage if realised within 15 days. For extended period of realisation , highest published interest rate on lending PA is to be charged for each extende day.
Local clearing cheque purchase 0.25% or min NPR 500 plus postage if realised within 15 days. For extended period of realisation ,highest published interest rate on lending PA is to be charged for each extende day.
Cheque Return 21% PA from date of purchase plus other bank charges, min NPR 500 or equivalent FCY whichever is higher plus corresponding bank charges
Follow up charges Actuals plus telex/postage charges
IRS RTGS/SWIFT transfer 0.15% or min Rs 500 plus SWIFT Charge