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Schedule of Tariff & Charges (STC)

S.N. Services Fees and Charges
1. CUSTOMER SERVICES
1.1 Issuance    of     “Good     for                 Payment”

Cheque/Manager’s Cheque

 Free
1.2 Stop Payment of Cheques Free
1.3 Cheque certified “Good for Payment” Free
1.4 Cancellation of “Good for Payment”

Cheque/ Manager’s Cheque

 NPR 300/- per cheque
1.5 Issuance of Balance Certificate Nil (NPR 500 for subsequent issuance of balance certificate for same date)
1.6 Balance Re-confirmation Charge Nil
1.7 Cheque Book Issuance against lost Cheque

Book

 NPR 300/- per cheque book (max 10 leaf)
1.8 Loss of requisition Slip (Cheque book

issuance without requisition slip)

 NPR 100/-
 

 

1.9

  

 

Charge for uncollected Cheque Book

 NPR 250/- per cheque book. (Cheque books are kept for collection for up to 6 months, and if not collected by then, have to be destroyed and thereafter, NPR. 250/- to be charged to the

customer account.
1.10 Enquiry relating to old records (more than

2 years)

 NPR 200/- per request
 

 

 

 

 

1.11

  

 

 

 

 

FD Liquidation / FD pre-mature

 A.  No interest shall be paid if FD pre-matured within 3 months.

B.  Lowest Interest Rate of normal saving to be applicable instead of Coupon rate and minus Two percent penalty rate on applicable interest rate. (For example: If coupon rate of FD is 10% and depositor wants to pre-mature the FD then the applicable interest rate will be interest rate of normal saving i.e. 7%

currently less 2% penalty which equals to 5%)
1.12 CCTV Footage Retrieval NPR 500/- per event.
 

1.13

  

Account Statement Request

 Nil (NPR 50/- per page or Minimum NPR 500/-

whichever is higher for subsequent issuance of same tenure or overlapping period)
1.14 Account Closure Nil
1.15 Any Branch Banking System (ABBS)

Charges

 Nil
1.16 C-ASBA Charge NPR 5/- per application

 

 

2. ECC, NCHL IPS, RTGS
2.1 ECC (Electronic Cheque Clearing)
 

2.1.1

  

ECC Outward Clearing Cheque

 Cheques up to NPR

200,000/-

 Nil
Cheques above NPR

200,000/-

 As per actual NCHL

charge
2.1.2 Express Clearing As per actual NCHL charge
2.1.3 High Value Clearing As per actual NCHL charge
2.1.4 Late Presentment Charge As per actual NCHL charge
 

2.1.5

 Cheques returned unpaid (In case of Insufficient Fund only) (For ECC Inward

Clearing and Counter)

 1st Cycle NPR 300/-
2nd Cycle NPR 300/-
3rd Cycle NPR 500/-
2.1.6 Archive Fee As per actual NCHL charge
2.2 NCHL IPS Transactions
2.2.1 Up to NPR 500 As per actual NCHL charge
2.2.2 NPR 501 to 5,000 As per actual NCHL charge
2.2.3 NPR 5,001 to 50,000 As per actual NCHL charge
2.2.4 Above 50,000 As per actual NCHL charge
2.3 RTGS (Real Time Gross Settlement)
2.3.1 For Transaction settled in Morning Exchange NPR 10/-
2.3.2 For Transaction settled in Afternoon Exchange NPR 20/-
2.3.3 For Transaction settled in Evening Exchange NPR 100/- through Treasury Deals
     
3. TRANSACTION BANKING, CARDS AND ALTERNATE CHANNEL SERVICES
3.1 Mobile Banking
3.1.1 Registration Individual – Free

Corporate – Free
3.1.2 Annual Maintenance Charge (AMC) Profile Charge
Individual (view only) NPR 250
Individual (with transaction) NPR 250
Corporate (view only) NPR 500
3.1.3 Profile Change NPR 100/
3.1.4 Account Linkage Charge- Individual/ Institutional NPR 250 per year
3.1.5 Password / Pin Regeneration NPR 50/- (Free from Digital Medium)
3.1.6 Modification of Mobile Number NPR 100/- per request
3.2 QR Code
3.2.1 Registration Charge Free
3.2.2 Standee Charge Issuance NPR 100/- if not activated with in following month end.
3.2.3 Standee Charge Re-Issuance NPR 100/-
3.2.4 QR Sticker NPR 25/-
3.2.5 Transaction & Other Charges As per actual charge by PSO
3.3 SCT Debit Card
 

3.3.1

  

Issue Charge

 NPR 250/- at the time of Issuance Or,

NPR 1,000/- in case the customer wishes to pay

the charges for 5 years upfront. (one time)
3.3.2 Annual Maintenance Charge (AMC) NPR 250/-
3.3.3 Card Reissuance / Replacement Fee NPR 250/-
3.3.4 PIN Reissuance Fee NPR 100/-
3.3.5 Card Unblock Fee Nil
3.3.6 Destruction fee of uncollected cards

(within 6 months)

 NPR 250/-
3.3.7 Supplementary Card NPR 250/-
3.3.8 Transaction Fee NPR 15/- per cash withdrawal
3.3.9 Balance Inquiry Fee NPR 15/- per request
3.3.10 Cash withdrawal in India NPR 325/- per request
3.3.11 Balance Enquiry in India NPR 50/- per request
     
4. CREDIT ADMINSTRATION SERVICE FEE
4.1 CIC Charge As per Actual Cost
4.2 Valuation Fee As per Actual Cost
4.3 Valuation Fee (if valuation is done by

Bank’s staffs)

 Free
4.4 Interbank (Local) CIC Query NPR 750/request
4.5 Loan Administration Fees (Personal loan, Business loan, margin lending, HP loan, microfinance loan, agriculture loan, home loan, real estate loan etc.) Upto 1% p.a.
a Consortium Loan As per the consortium decision and as approved by concerned credit approving authority.
b Interest Subsidized Loan Nil
c Deprived Sector Wholesale Loan As per respective terms of approval (Negotiable not exceeding maximum rate as per NRB i.e. 0.5%)
d Gold Loan Processing Fee and Gold Handling Charge Flat 1 % of FMV of the initial gold value on each year which shall be paid at the time of renewal/Loan settlement whichever occur earlier but if the facility is settled before one year, the gold loan processing fee will be calculated on the Quarterly prorata basis but minimum 3 months shall be taken at the limit settlement period.
4.6 Loan Renewal Fees 0.20%  of renewal amount
4.7 Loan Against Fixed Deposit Receipt Additional 2% interest rate on coupon rate or

Average Base Rate, whichever is higher
4.8 Swap Charges i.   Swap within 2 years: 1% of outstanding limit.

ii.  Swap after 2 years but within 5 Years: 0.5% of outstanding limit.

iii.  Swap after 5 years: 0.2% of outstanding limit.
 

4.9

  

Pre-Settlement or Prepayment Charge

(For Term Loan only)

 For loan limit above NPR 5 million:
Floating Rate
Prepayment Fee within 2 Years: 100% of admin fee on outstanding loan amount or prepaid amount
Prepayment Fee after 2 years but within 5 Years: 50% of admin fee on outstanding loan amount or prepaid amount
Prepayment Fee after 5 years: 20 % of admin fee on outstanding loan amount or prepaid amount
  Prepayment charge shall be calculated on outstanding loan amount at the time of prepayment. Charges shall not be applicable, if prepayment is due to the change in terms and conditions.
4.10 Penal Charge i. Overdue Principal: 2% on Overdue Principal

ii. Overdue Interest: Normal Interest
4.11 Late Payment Fee Nil
 

4.12

  

Commitment Charge on revolving loan

 0.20% of unutilized amount if average utilization during the review period is less than 60%.
4.13 Share Pledge Charge Standard charge levied by DP
4.14 Share Release Administration Charge NPR 1,000/- per request or NPR 200/-per stock whichever is higher
4.15 Fixed Assets (Land) Partial Release Charge NPR 2,000/- per request
4.16 Insurance Charge As per tariff charged by the insurance company
4.17 Public Notice publish Charges As per Actual Cost
4.18 Loan Renewal Time Extension Charge  
  A. Time Extension up to 15 days 0.25% of loan amount
  B. Time Extension up to 30 days 0.50% of loan amount
  C. Time Extension for 30 days above 1% of loan amount
 

4.19

 Temporary Handover of LORC (Land

Ownership      Registration)                      Certificate Recommendation

  

NPR 500/-
4.20 Halsabik Letter NPR 500/- per letter
4.21 Recommendation letter for duplicate blue

book issuance

 NPR 500/-
4.22 Vehicle Ownership Transfer in the name of

customers

 NPR 2,000/- on each release
4.23 Valuator Listing Charge NPR 10,000/-
4.24 Valuator Renewal Charge NPR 5,000/-
 

4.25

 Recommending for blacklisting or when recommending for delisting from the

blacklist

 As per actual charged by CICL
 

4.26

 Issuance of Bank Guarantees, Bid-Bond,

Performance   Bond, Suppliers Credit Guarantee, Advance Payment Guarantee

 1% p.a. (0.25% per quarter) or minimum NPR 1,500/- whichever is higher
4.27 Cash Margin 10% cash margin in all type of Bank

Guarantee with collateral back up
4.28 BG Claim Charge NPR 1,000 per claim
4.29 Loan Pre-disbursement charge 0.25% per day of pre-disbursed amount

 

 

 

 

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