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 |
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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 |
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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 |
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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 |
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A. Time Extension up to 15 days |
0.25% of loan amount |
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B. Time Extension up to 30 days |
0.50% of loan amount |
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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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