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Levy of Charges

 

Levy of Charges

 

OPERATION RELATED TARRIFS AND CHARGES:

Particulars

Rates

Cheque Book Issuance Charge

Free: (advised to print only 5 leaves for personal and 10 leaves for Corporate Account normally)

Stop payment charges

Rs. 100 per instrument

Rs. 400 for a range of cheques

Cheque Return unpaid (Insufficient fund)

Rs. 100

Cheque/Cheque book lost charges (where new cheque should not be issued)

Rs. 100 per instance.

Cheque book issuance against lost cheque books including case of closure of account

Rs. 300 (advised to print only 5 leaves for personal and 10 leaves for Corporate Account normally)

Cheque book destruction charge

Rs. 200 per cheque book  (if not collected within 6 months from issuance of cheque)

Loose leaf withdrawal slip issuance

Rs. 25 per leaf.

“Good for payment cheque” issuance fee

Rs. 200 or 0.02% of face value whichever is higher.

Cancellation of “Good For Payment Cheque”

Rs. 250.00 (Original Cheque to be returned back to the bank for the cancelation of cheque.

Re-issuance of FD receipt (Duplicate FD Receipt)

Rs. 500.00 (Approval from Head Office has to be obtained prior issuance of duplicate FD receipt)

NRB/ Other bank’s Cheque issuance charge

Rs. 500 flat (free in case of payment to be made by bank itself)

Standing Instruction Charges (One-time fee. Eg. auto transfers)

Rs. 200 (Free for Call & Current Account)

Issuance of Balance Certificate

Rs. 500.00 per certificate

(free once a year for the period of Year End balance to Corporate Accounts for Audit Purpose)

Reprint of Account statement

Rs. 50 per page

Enquiry related to old records (more than 2 years)

Rs. 100 per enquiry.

Transfer of funds to other BFI’s (not applicable to corporate deals)

0.10% or Rs 500 per transaction whichever is higher

FD Liquidation Charge

No Interest shall be paid if pre matured within less than 3 months of opening.

If it is after 3 months, interest on normal saving account shall be provided to the client for period till pre mature of FD.

 

Clearing Transaction Charge

Cheque amount 200 K & above Rs. 30 / cheque

FCY cheque (no amount limitation) Rs. 30/cheque

Express clearing (no amount limitation) Rs. 100

Special clearing Rs. 100

Manager's Cheque (MC) issuance

Account holder: 0.10% of amount issued or Rs. 200 whichever is higher

Non-Account holder: 0.20% of amount issued or Rs. 500 whichever is higher.

Loan Disbursement through MC : Free

Collection Charges

Within Nepal: 0.10% of cheque amount with minimum of Rs. 200 per cheque plus postal charges.

Outside Nepal:  0.05% of face value or Rs. 500/- whichever is higher plus postal charge.

CCTV Footage Charge (Provided upon the discretion of Bank)

Rs. 1000.00 per request.

ABBS Transaction

Deposit 0.1 % or Min 100

 

Withdrawal 0.1 % or Min 100

 

No ABBS for personal deposit Account – Transaction Amount/value up to Rs. 200,000

 

No ABBS fee for deposit for loan repayments

 

No ABBS charges within same district.

 

CREDIT RELATED TARRIFS AND CHARGES:

Particulars

Rates

OD Non-usage charges

Commitment Charges

OD:

This charge shall be applicable to OD customer's whose unused fund is above 50 %. Usage percentage for this purpose shall be computed as below on quarterly basis:

 

Usage % = Three month's average OD outstanding / OD limit * 100 %

(Could be calculated using reverse method based on interest payment for the quarter)

 

OD Non-usage charge shall be 0.5 % of unused fund per quarter.

 

However, if usage is below 50 % for subsequent three quarter, Credit committee shall re-assess the OD limit.

Term Loan :

0.25% of unused limit (If fully limit isn't disbursed, to be collected prior moratorium period / generation of EMI schedule.)

Credit Enquiry by other Banks

Rs. 250 per enquiry

CICL Charge/ Blacklisting/ Delisting  Charges

As per Actual Basis

Loan Prepayment Charges

In Term Loan:

2% prepayment charge to be levied if prepaid within 1/2 period of the loan tenure and 1% to be paid if loan repaid after 1/2 period of the loan tenure. However if the prepayment is done with own source due to the increase in interest rate, no prepayment shall be levied.

OD:

2% of limit settled, however for settlement of 25% of initial limit on a quarterly basis, prepayment shall not be levied.

Loan Processing Fee

For Business/SME loan 1-1.25% of limit

For HP (commercial) 1.75-2 %

For HP (private) 1-1.25 %

For AG/Deprived 1.25-1.5 %

For Personal/Professional/Education 1.5-1.75 %

For Home Loan 1-1.25 %

For Share Loan 1.25-1.5 %

Loan Renewal Charges

For Business loan 0.5-0.75% of limit

For AG/Deprived 0.75-1.0 %

For Personal 0.75-1 %

For Share Loan 0.5-.75 %

Public Notice Publishing Charge

Credit: Actual cost incurred for publication.

Deposit : Actual cost incurred

Loan Swap Charge

2-3% of loan outstanding.

Penal Interest

2% p.a. of overdue principal

Interest on Interest

At the same rate applied to the loan account

Collateral/Business Inspection

For local units : NIL

For outstation units : As per actual to be borne by the applicant/borrower

Partial release of Collateral

Rs. 3500

Replacement of Collateral

Rs. 5000

Interest rate on other receivables / Force Loan

Same as applied interest on other loan accounts or 1.5 times highest interest rate published

Trade Finance Charges:

Non-fund based commission

Bid Bond – 0.25 % per quarter with minimum of Rs. 750 per quarter whichever is higher

Performance Bond – 0.35 % per quarter or minimum Rs. 1000.00 per quarter whichever is higher

Advance Payment Guarantee – 0.45 % per quarter or minimum Rs. 1000.00 per quarter whichever is higher

Miscellaneous Guarantee – 0.35 % per quarter or minimum Rs. 1000.00 per quarter whichever is higher

Amendment of BG not affecting value and validity

Rs. 750 flat

Amendment of BG affecting value and validity

Same as fresh issuance

Guarantee Cancellation

Free

Cash Margin

Min 5-10% of the BG Value