Charges
| Issuance of Balance Certificate/TDS Certificates/ Other Certificate |
Balance certificate: Free for one time in a quarter. Duplicate/Second time request in a quarter: 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 Certificate’s - NPR 500 |
| 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 in a quarter or month or year (any single period) 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 |
| Cheque Return advice upon request |
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 |
|
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 |
|
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) |
|
| 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$10 for Debit of FCY A/C |
|
|
|
Domestic |
NPR 300 per Parcel Upton 500 gm |
|
India |
NPR 750 per Parcel Upton 1,000 gm |
|
Cheque /Card Courier Charge |
NPR 50 Inside Valley / NPR 180 Outside Valley |
|
Foreign Countries Excluding India |
US$ 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 |
| 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 |
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-individual customer |
NPR 300 per Year |
|
Internet Banking-Corporate House |
NPR 500 per Year |
|
Internet Banking Password Regeneration |
NPR 50 |
|
Debit Card Issuance |
NPR 1,000 for 5 years, option to pay in equal yearly instalment of NPR 250 per year. Urgent Issue : Plus NPR 250 |
|
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 |
|
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 5 |
|
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 |