CUSTOMER SERVICES

 Stop Payments of Cheque

 Nil

Cheque Book issuance against lost Cheque (Including cancellation of Cheque)

 Stop payment to be compulsorily made

 NPR 250/-

 Instant payment voucher (Single Leaf Cheque Issuance)

 NPR 200/-

 Cheque Return for insufficient balance presented for payment over the counter if cheque return memo is demanded due to insufficient fund (Charges shall be levied from the Cheque issuer i.e. Drawer)

In case the balance in account is less than NPR 300/- entire amount shall be deducted.

 NPR 300/-

 Cheque Disposal Charge (if not collected within 6 m)

 NPR 250/-

 Cross Branch Cheque Issuance

 Free

 Uncollected Cheque Book during Account Closure

 NPR 250/-

 Standing Instruction

 Free

Re-issuance of Cheque if Cheque requisition slip is not submitted

 NPR 250/-

 Interest Earned Certificate

 NPR 250/-

 Duplicate customer Dr. / Cr. Advice

 NPR 100/-

 Issuance of “Good for Payment" Cheque

 Free

 Cancellation of Good for Payment Cheque

(Original Cheque to be returned to the bank for GFP cancellation)

 NPR 300/-

 Issuance of Balance Certificate

 NIL

 Duplicate Account Statement

 NPR 100/- up to 3 months and  NPR 200/- for more than 3  months

 Account statement of Another Branches account.

 Free

 Duplicate FD Certificate (Advice)

(Approval should be obtained from BM for its issuance)

 NPR 500/-

 NRB and Other BFIs Cheque issuance against Green Cheque

(Free in case of payment to be made by the Bank itself)

 NPR 500/- flat per Cheque

 FD Liquidation

 Minimum Saving Rate will be  paid if it is liquidated within 3 months.

 Immediate Lowest tenure rate  will be paid if it is liquidated after 3 months.

Prematurity Charge 1% of Principal amount.

Card Related Fees (Green Debit Card)

 Issuance Fee

 NPR 250/-

 Annual ATM Charges

 NPR 250/-

 Re-issuance (for lost or damage card or re-issue after expiry of cards)

 NPR 250/-

 Pin Re- generation of Debit Card

 NPR 100/-

 Card Block / Unblock Fee

 NPR 100/-

 Card / Pin not received within 6 months (Disposal Charge)

 NPR 250/-

 Re - Pin not received within 6 months (Disposal Charge)

 NPR 100/-

 Card not returned at the time of closure

 NPR 200/-

 Supplementary Card

 NPR 250/-

 Card Account Linkage charge

 NPR 100/-

Mobile Banking

 Registration for service

 NPR. 250/-

 Annual Maintenance Fee

 NPR. 250/-

 Pin regeneration

 NPR. 100/- per time

 Modification of Mobile Number in Mbanking facility

 Nil

 Inter-Bank Fund Transfer Charges Through Mobile Banking

 As per agreement with vendor

E-Banking Service

 First time subscription

 NPR 200 /-

 First time subscription for Corporate A/C

 NPR 200 /-

 Annual Renewal

 NPR 200 /-

 Internet Banking Password Reset

 NPR 100/- per time

Other Fees

 CCTV footage request

 (Subject to approval from HOD-Operation)

 Rs. 500/- per request

 Public Notice publish Charge of deposit account

 As per actual

 C-ASBA / ASBA Charges

 Free

REMITTANCES

 Remittance Inward / Outward

 Commission to be received separately as per agreement with Remittance companies.

 Fax transfer (within our branches)

 0.10% or Rs. 100 per transaction,  whichever is higher

ECC (Electronic Cheque Clearing) Processing

 Cheque below NPR 2 Lakhs

 Free

 Cheque of NPR 2 Lakhs and above

 As per actual NCHL charge

 Express Clearing

 As per actual NCHL charge

 Late Presentment Charge

 As per actual NCHL charge

 High Value Clearing

 As per actual NCHL charge

 Inward Clearing Cheque Return (Insufficient fund only)

 NPR 300/-

 IPS / Connect IPS Charge

 As per actual NCHL charge

LENDING FEES

 Administrative Fees

 (For All loan except Interest Subsidized loan,

 DSL Wholesale Lending, Gold loan, Loan

 against FD and Loan against Insurance Policy)

 New: 1% of Loan Limit

 Renewal: 0.2% of Loan Limit

 Administrative Fees - Interest Subsidized Loan

 NIL

 Administrative Fees - DSL Wholesale Lending

 0.25% of loan limit

 Administrative Fees - Gold loan

 1% of loan limit per annum

 Administrative Fees - Loan against FD

 NIL

 Administrative Fees - Loan against Insurance Policy

 0.25% of loan limit

 Commitment fee on Revolving Loan

 0.2% of unutilized amount if average utilization during the review period is less than 60 %

 Prepayment Fee

 For loan limit up to NPR 5 Million :  NIL

 For above NPR 5 Million;

 1% of Prepaid amount if loan is prepaid within 2 years

 0.5% of Prepaid amount if the loan is prepaid within 2 to 5 years

0.2% of Prepaid amount if the loan is prepaid after 5 years

 For loan provided on fixed interest rate above NPR 5 Million, 1% of prepaid amount.

 Partial Release / Remortgaged Charge (For other than Share loan)

 Partial release includes the release of collateral and PG

 NPR. 5,000 /- per release for loan up to NPR 10 Million

 NPR 10,000 /- per release for loan above NPR 10 Million

 Real Estate Collateral Replacement Charge

 NPR. 5,000 /- per replacement for loan up to NPR 10 Million

 NPR 10,000 /- per replacement for loan above NPR 10 Million

 (For share release Rs. 250/- per release)

 Share Release Charge

 Actual Charges only

 Swap Charges

 1 % of outstanding if Loan is swapped within 2 Years

 0.5 % of outstanding if Loan is swapped within 2 to 5 Years

 0.2 % of outstanding if Loan is swapped after 5 Years

 Penal Interest

 2 % p. a. on Overdue Principal

 Penal for Interest on Interest

 12% p. a. on interest on interest

 Public Notice publish Charge

 On actual basis.

 Interest Rate of Force Loan

 Maximum published interest premium rate

 Follow-up charge

 As per actual in case legal action

 Loan Swap Fee

 2% on outstanding principal

 Interbank credit information request charges

 NPR 500/- per request

 Re-issuance of Correspondence

 For every correspondence once  issued if re-issued at the request of the customer shall be charged NPR. 250 per correspondence.

 Insurance Charge (Gold and Silver Loan)

 Insurance charges of 1% on Gold and silver Loan amount shall charge every year until the settlement of loan.

 Credit enquiry with CICL

 As per actual levied by CICL

 Recommending for blacklisting or when recommending for delisting from the blacklist

 NPR. 3,000/- listing and de-listing of the borrower with loan / facility above 10 million

 NPR. 2,000/- listing and de-listing of the borrower with loan / facility below 10 million

 (Note: Charges are subject to conditions prescribed by the CIB).

 Other Incidental Charges

 i. Temporary handover of land ownership certificate, NPR 500/- after 7 working days.

 ii. All charges that are incidental to processing, disbursement or recovery of loan shall be charged to client at actual cost incurred for such loan.

Non Funded Business

 Admin fee for BG

 0.25% of Total Loan Limit

 Bid Bond Commission

 NPR. 1,000 of 0.25% per quarter  whichever is higher

 Performance Bond Commission

 NPR 1,000/- or 0.35% per quarter whichever is higher

 Advance Payment Guarantee Commission

 NPR 2,000/- or 0.45% per quarter whichever is higher

 Supplier Credit Guarantee Commission

 NPR 2,000/- or 0.45% per quarter whichever is higher

 Amendment not affecting value & validity

 NPR 750/- flat

 Amendment affecting value & validity

 The same rate as fresh issuance or NPR 1,500 whichever is higher

 Guarantee Cancellation (before expiry)

 No Charge

 Claim Handling Charge

 Rs.2,000.00 per claim