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Schedule of Service Charges

Please click on the headings below for the particular service charge schedule.

For any queries or concerns, please contact us through any of our bank branches or fill up our feedback form through this website itself.

Basic Banking Services

  • ATM Card
  • Credit Card
  • USD Prepaid Travel Card
  • SMS (Mobile) Banking
  • Internet Banking (iBank) Services
  • Email Alerts
  • Mobile Money
  • Mobile Khata
  • HBL/BOK Fund Transfer Services
  • Share Registrar Services
  • Courier Recovery
  • Postage Recovery
  • Market Maker
  • Home Banking Service
  • Safe Deposit Locker
  • Trade Operations
  • Loan Administration
Please visit the Downloads page or click here for detailed information.

1.1 Account Services

S.N.DescriptionCharges
1.1.1Cheque Book Destruction FeeNPR 750
1.1.2Cheque Book issuance without
submission of requisition slip		NPR 100
1.1.3Standing Instruction at customer requestNPR 450 per instruction
1.1.4Failure to execute Standing Instruction
(placed at customer request) due to
insufficient balance.		NPR 250 per SI failure
1.1.5Lien marked in favor of third party
(when requested by customer)		NPR 600
1.1.6Request of Account Statement
  • nil
  • NPR 50 per month for repeat request
1.1.7Request to retrieve Customer
Advice/documents
After 1 year
After 2 years		NPR 500 per advice
NPR 1000 per advice
1.1.8Cancellation of “Good For Payment”
Cheque		NPR 600
1.1.9Issuance of Advance Payment
Certificate/duplicate		NPR 700
1.1.10Issuance of NRB Cheque at the request
of customer		NPR 600
1.1.11Cancellation of NRB Cheque issued (at
the request of customer)		NPR 300
1.1.12Duplicate issuance of FD receiptNPR 500 per receipt
1.1.13Issuance of Draft0.2% or minimum NPR 500 for all currency drafts
Swift Charge: NPR 1,000
Additional Charges:
  • USD 5 (other bank charge) for USD DD issued
    through SCB
  • GBP 25 (other bank charge) for GBP DD issued
    through SCB
  • EUR 40 (other bank charge) for EUR DD issued
    through SCB
  • NPR 350 as communication charge for DD
    amounting INR 100K and above.
  • NPR 320 (INR 200) for DD Service charge for
    ICICI Bank’s DD only.
1.1.14Cancellation of DraftNPR 600
Additional Charges:
  • Other Bank’s charge, if any (Actual charged
    by Correspondence Bank)
  • SWIFT Charge of NPR 1,000.
1.1.15Issuance of Managers Cheque at
customer’s request		NPR 500
1.1.16Cancellation of Manger’s ChequeNPR 500
1.1.177 Cash withdrawal against Counter
Cheque		NPR 300
1.1.18C-ASBA Application ChargeNPR 5 per application
1.1.19Issuance of special certificate at the
request of customer which does not fall
under regular/standard banking
services
(Except Balance Certificate)		NPR 500
1.1.20Redemption of Fixed Deposit (FD)
before maturity		Lowest interest rate of saving account.
(While opening of FD or current time whichever is
lower)
1.1.21FCY Cash Exchange Denomination
below USD 50		1% on total value

1.2 Payment Services

S.N.DescriptionCharges
1.2.1Outward Wire Transfer, other than India (BEN)0.2% or minimum NPR 1000.00
Additional Charges:
SWIFT charge of NPR 1,000.00
1.2.2Outward Wire Transfer – India (BEN)0.2% or minimum NPR 1000.00
Additional Charges:
SWIFT charge NPR 1,000.00
Other bank ‘s charges ( Actual basis) in case of other bank’s charges “OUR”
1.2.3Wire transfer – India through National Electronic Fund Transfer (NEFT)0.2% or minimum NPR 1000.00
Additional Charges:
– SWIFT charge NPR 1,000.00
– NPR 500.00 flat (NEFT Charge)
1.2.4Outward Wire Transfer (OUR)

MT 103 Sent in:

  • GBP: GBP 20
  • EURO: EUR 20
  • JPY: JPY 6,500
  • USD: USD 15
  • AUD: AUD 25
  • AED: AED 100
  • CNY: CNY 40

MT 202 Outward with instruction OUR, charges shall be as below:

  • USD – USD 15 (for Mashreq and ICICI)
    USD 20 (for Habib)
    USD 5 (for SCB)
  • EUR – EUR 25
  • GBP – GBP 5
  • JPY – JPY 400
  • CNY- CNY 60
  • AED – AED 50
  • AUD – AUD 15

(Note: The above charges are exclusive of the additional charges
that may be claimed by correspondent banks quoting the
respective reference number of MT 103 or 202.)

1.2.5Wire Transfer (Swift) locally through NRBUpto NPR 5 mio : NPR 500.00 plus SWIFT charge NPR 1000/-
Above NPR 5 mio : NPR 1000.00 plus SWIFT charge NPR 1000/-
1.2.6Refund of inward wire transfer – FCY
Refund of inward wire transfer – INR		USD 25.00 plus NPR 1000.00 SWIFT charge.
INR 500.00 plus NPR 1000.00 SWIFT charge.
1.2.7Other Bank Charges (Inward remittance received in different currency)Inward MT 103
  • USD – USD 10
  • EUR- EUR 10
  • GBP- GBP 10
  • JPY – JPY 3,000
  • For other currency (except INR) – USD 5 equivalent

Inward MT 202

  • USD 5 and equivalent for all currency except INR, JPY and AED
  • JPY 6,500
  • AED- AED 50

(Note: The above charges are exclusive of the additional charges
that may be claimed by correspondent banks quoting the
respective reference number of MT 103 or 202.)

1.2.8Cheque sent on collection INR – postage charge
Cheque sent on collection FCY – postage charge		600.00
2,500.00
1.2.9Cheque sent on collection returned unpaidNPR 700 plus postage as advised above 1.2.8
1.2.10Cheque returned Inward ECC due to
insufficient fund.		NPR 700.00
1.2.11INR Cash Management feeNPR 100 Per Transaction

2. Debit Card

S.N.DescriptionCharges
2.1VISA Card one-time Fee (during issuance) Same applies for replacement of lost / damaged card/RenewalUpfront – NPR 1,499/5 years or Installment – NPR 399 p.a
2.2Destruction of uncollected cardNPR 750
2.3Regeneration of PINNPR 200
2.4Green Pin (Debit Card)Nil
2.5Destruction of Uncollected Re-pinNNPR 100
2.6Cash withdrawal in Visa Network in IndiaNPR 350 plus other Bank’s charges
2.7Cash withdrawal in Visa Network in Nepal (US on them i.e., Other Banks ATM)NNPR 15 per transaction.
2.8Balance enquiry in VISA network in India/NepalNepal: NPR 15
India: NPR 50
2.9Linking new account to Debit CardNPR 100
2.10E-Commerce Enrollment FeeNil
2.11Cash Withdrawal Fee (Own Terminal)Nil
2.12Balance Inquiry Fee (Own Terminal)Nil
2.13E-Commerce Annual FeeNil
2.14Card un-block feeNPR 350
2.15Card less Cash (Express Money)/ RemitNil
2.16ATM Access Fee Them on Us (Foreign Cards at LxBL ATM) Visa/MasterCardNPR 600
2.17Card Replacement FeeNPR 399
S.N.DescriptionCharges
3.1Joining fee (One-time)NPR 500 per card (one time)
3.2Annual FeeSubscription Fee: NPR 5000 for 5 years OR
Yearly Installment NPR 1000 for 5 years
(Subscription fee of NPR 5000 for 5 years valid card if
fee is paid upfront or can be divided into 5 equal
installment of NPR 1000 each year)
3.3Supplementary card feeSubscription Fee: NPR 5000 OR
Yearly Installment NPR 1000 for 5 years
(Subscription fee of NPR 5000 for 5 years valid card if
fee is paid upfront or can be divided into 5 equal
installment of NPR 1000 each year)
3.4Card Reissuance / Replacement feeNPR 1000 per card
3.5Temporary limit enhancement feeNPR 749 per card
3.6Permanent limit enhancement feeNPR 749 per card
3.7E-Commerce 3D Secure RegistrationNil
3.8E-Commerce 3D Secure Annual Fee ( 3D Secure Service)Nil
3.9E-Commerce 3D Secure Transaction Fee ( 3D Secure Service)Nil
3.10Balance Enquiry in Own ATMNil
3.11Cash advance fee with our Card
(On Us transaction)		NPR 100+2% of withdrawn amount
3.12Cash advance fee with other bank’s Card
(Them on Us transaction)		NPR 150 + 2% of withdrawn amount
3.13Credit Card Interest2.25 % per month/27% per annum
3.14Late payment feeNPR 300 or 0.2 % per month whichever is higher
3.15Over Limit feeNil
3.16PIN Re-generation FeeNPR 150
3.17Balance Enquiry in Other Bank ATM (Nepal/India)NPR 15
3.18EMI Conversion Fee (BNPL Conversion)Flat Fee of Rs. 500 per month for the EMI period.
Minimum Purchase Amount for Conversion: NPR 30,000

4.1 USD Card –Travel Card

S.N.DescriptionCharges
4.1.1Issuance of USD Prepaid Travel Card against Nepali RupeeIssuance – NPR 1000 (including 1st Top-Up)
4.1.2Issuance of USD Prepaid Travel Card against FCY account Annual Charge USD Debit Card (For cards against FCY Account)NPR 750.00 Nil
4.1.3USD Card replacement/Renewal FeeNPR 750.00
4.1.4Reload/Top Up FeeNPR 300.00
4.1.5Transaction Fee
Cash Withdrawal-(Some banks may charge ATM Access Fees differently for VISA cards used on their ATM)USD 5 plus other Bank’s Charges
Balance InquiryUSD 1.00
4.1.6Re-PIN generationNPR 250.00

4.2 USD Card – E-Commerce

S.N.DescriptionCharges
4.2.1USD Prepaid Card (For Online Use Only)Customers:
Issuance – NPR 700 (includes first top-up done while issuing)
Load/Top-up – NPR 300 per Top-up
4.2.2E-commerce Transaction FeeNil
S.N.DescriptionCharges
5.1Subscription of Internet Banking(iBank)NPR 599 per annum for legal  person/Corporate
NPR 249 p.a. for natural person
5.2Transfer of funds in other banks accountsNPR 10.00 Flat

(Inter Bank Fund Transfer through iBank)

Fund transfer within Laxmi Sunrise Bank accounts

Nil
5.3Credit Card Payment through NCHL
Connect IPS
  • Up to NPR 500: NPR 2/-
  • Above NPR 500 to NPR 5K: NPR 5/-
  • Above 5K to NPR 50K: NPR 10/-
  • Above 50K: NPR 15/-
5.4Corporate Pay Service
  • Enrolment fee NPR 1,000/-
  • Renewal NPR 1,000/- p.a
  • Transaction Fee as per NCHL
    IPS/Connect IPS slab.
S.N.DescriptionCharges
6.1Email Alerts joining fee
  • NPR 400.00 per annum for non individual
  • NPR 100.00 per annum for individual
  • Annual fee of NPR 100.00 per annum for subsequent
    year for both individual and non individual
  • Nil for USD Travel Card.
S.N.DescriptionCharges
7.1Mobile Money (Orange XP) SubscriptionIndividuals – NPR 199 per annum Corporate – NPR 599 per annum
7.2Annual renewal feeNPR 199
7.3PIN Resent Charge (Login and /or Transaction Password Pin)Nil
7.4Green PackageNP 299 p.a. Inclusions:
  • Mobile Money (Orange XP)
  • I-Banking
  • Mero Share
  • DEMAT Account
  • Viber Banking
  • Email Solutions
7.5Fund transfer within Laxmi Sunrise Bank accountsNil
Transfer of funds in other banks accounts (Interbank Fund Transfer)Through Mobile Money:
– NPR 11.30 (Flat using Fonepay network)
– NPR 9.04 (Flat using NPS network)

Through iBank:
– NPR 11.30 (Flat using Fonepay network)
7.6Pay bills
  • Mobile phone
  • Landline
  • ADSL internet
  • Credit Card
  • QR Merchant
Nil
7.7Smart Foneloan
  • Loan Admin Fee- NPR 500
  • Interest Rate -16% p.a
  • Late Payment Fee- NPR 300
S.N.DescriptionCharges
8.1Europe and USANPR 3,000.00
8.2Other CountriesNPR 2,500.00
8.3IndiaNPR 600.00
8.4NepalNPR 250.00
S.N.DescriptionCharges
9.1Management of Government Bonds (subject to change in line with revisions by Central Bank)
  • Upto NPR 100K – 0.5%
  • Above NPR 100K to NPR 500K – 0.4%
  • Above NPR 500K to NPR 1 mio – 0.3%
  • Above NPR 1 mio to NPR 5 mio – 0.2%
  • Above NPR 5 mio – 0.1%
S.N.Locker TypeLocker Size
(H” X W” X D”)		DepositAnnual Rent
10.1S.D.L. Type 1A – AA4.92 X 6.89 X 19.37NPR 10,000NPR 3,000
10.2S.D.L. Type 2B – BB6.26 X 8.27 X 19.37NPR 10,000NPR 3,500
10.3S.D.L. Type L2/10-4D1L215.16 X 20.87 X 19.37NPR 10,000NPR 9,000
10.4S.D.L. Type 2 – BB6.26 X 8.27 X 19.37NPR 10,000NPR 3,500
10.5S.D.L. Type 2 – 2BE6.26 X 16.69 X 19.37NPR 10,000NPR 5,000
10.6S.D.L. Type 2 – 4BH12.63 X 16.69 X 19.37NPR 10,000NPR 7,500
10.7S.D.L. Type 2 – 2B1H112.64 X 8.27 X 19.37NPR 10,000NPR 6,500
10.8S.D.L. Type 1F/21 – 4AF10.94 X 13.86 X 19.37NPR 10,000NPR 6,500
10.9S.D.L. Type 3D/40 – DD7.44 X 10.35 X 19.37NPR 10,000NPR 5,500
10.10S.D.L. Type Locker size A6.3 X 8.4 X 17.6NPR 15,000NPR 2,500
10.11S.D.L. Type Locker size B5 X 14 X 17.6NPR 15,000NPR 3,000
10.12S.D.L. Type Locker size C11 X 14X 17.6NPR 17,500NPR 3,500
10.13S.D.L. Type Locker size D7.5 X 21 X 17.6NPR 20,000NPR 4,000
10.14S.D.L. Type Locker size E13.4 X 21.2 X 17.6NPR 25,000NPR 6,500
10.15Duplicate locker keyAs per actual.
10.16Locker Surrender FeeNil

11.1 Letter of Credit – Import

S.N.DescriptionCharges
11.1.1Issuance of Letter of Credit (Irrevocable/revocable/back to back/transferable)0.15% per quarter or part credit thereof, min NPR 3,000/- (for industries) 0.25% per quarter or part credit thereof, min NPR 3000/- (for trading companies)
11.1.2Revolving -in the terms of value/validity0.25% per quarter or part credit thereof, min NPR 3,000.00 drawing up to face value will be free of charges, thereafter 0.15% will be levied on each reinstatement of value/validity.
11.1.3Cancellations of L/CNPR 2,000.00
11.1.4Communication(L/C Issuance)NPR 2,500.00
11.1.5Amendment0.15% per quarter or part thereof, min. NPR 3,000 (for industries)
For time extension of extension of expiry and / or increase in value0.25 % per quarter or part credit thereof, min NPR 3,000 (for trading companies)
Time extension within the same quarter OR Amendment other than time extension and increase in value.NPR 2,000.00
11.1.6BCI report sharing chargeMinimum NPR 1,000.00

11.2 Letter of Credit – Export

S.N.DescriptionCharges
11.2.1
  • Advising L/C
  • Advising L/C amendment
  • NPR 3,000.00
  • NPR 2,500.00
Note: The fee may be refunded to customer if bill is negotiated or sent on collection basis through us.
11.2.2Confirmation Adding (Subject to prior arrangement)As agreed with the customer.
11.2.3Transfer of Credit
For a simple transfer of whole documentary creditNPR 3,500.00
For Partial transfer0.125% of transferred value or minimum NPR 2,000.00

11.3 Bills – Import

S.N.DescriptionCharges
11.3.1Commission on loan for import bill without limit or exhausted limitMinimum NPR 2,500
11.3.2Import Bill PaymentNPR 2,000.00
11.3.3Direct Reimbursement15% p.a. (365 days basis) if booked under import bill or as agreed with the customer for import loan facility.
11.3.4Collection Bill received ( Import bills without L/C)0.25% on bill value or minimum NPR 2500.00
11.3.5Collection Bill received – DAA0.5% or minimum NPR 2500.00 per quarter
11.3.6Acceptance (usance L/C ) Commission0.15% per month or minimum NPR 2500.00
11.3.7Communication ChargeNPR 1,500.00
11.3.8Issuance of multiple Bi.Bi.Ni under single documentNPR 1,000 per Bi.Bi.Ni.Form
11.3.9Request to return import document (both under LC or Collection)NPR 2,000
11.3.10Endorsement of copy documents and issuance of Delivery Order (DO)NPR 1,000 per DO
11.3.11Discrepancy Fee
  • USD 75.00 for L/C issued in USD
  • EUR 75.00 for L/C issued in EUR
  • GBP 75.00 for L/C issued in GBP
  • JPY 7,000.00 for L/C issued in JPY
  • INR 3,000.00 for L/C issued in INR
  • NPR 3,000.00 for L/C issued in NPR
  • Equivalent USD 50.00 for L/C for all other currency

11.4 Bills – Export

S.N.DescriptionCharges
11.4.1Collection Bill sent0.25% on bill value of minimum NPR 2,500
11.4.2Export Bill Purchased/Negotiated – Sight LCClean: Up to 15 days – 0.5% on Bill value Beyond 15 days – BR + up to 5% premium Discrepant: Up to 15 days – 0.75% on Bill value Beyond 15 days – BR + up to 5% premium
11.4.3Export Bill Purchased/Negotiated – Usance LCBR + up to 5% premium
11.4.4Cash Against Document (CAD) – NRB circular no Ipra. Paripatra No.259NPR 1,000.00 per CAD
11.4.5Communication fee ( follow-up)NPR 2,000.00
11.4.6Export Cash Incentive processing fee0.5% on the incentive amount or minimum NPR 5,000
11.4.7Issuance of Letter to custom office against export L/CNPR 1,000.00
11.4.8Issuance of amendment letter to custom office against amendment of export L/CNPR 500.00
11.4.9Overdue Export Bills (Sight/Usance)Penal Charge of 2% per annum in addition to the bill purchased charge (from the due date till the date of realization)

11.5 Letter of Guarantee

S.N.DescriptionCharges
11.5.1Issuance Fee Bid Bond0.375% per quarter & part thereof or minimum NPR 2,500.00
11.5.2Issuance Fee – Performance bond0.4% per quarter & part thereof or minimum NPR 2,500.00
11.5.3Financial and Advance Payment Guarantee0.70% per quarter & part thereof or minimum NPR 2,500.00
11.5.4Amendment Increase in value & Time extensionSame as issuance charge
11.5.5Other amendment i.e. extension within same quarter or clauses of guarantee text.NPR 2,500.00
11.5.6Issuance of counter guarantee to other bankOur charge plus correspondent bank’s charge and SWIFT charge of NPR 2,500.00.
11.5.7Amendment of Counter Guarantee within the quarter for extension, guarantee text/clause change
  • USD 150.00 for GTEE in USD
  • EUR 100.00 for GTEE in EUR
  • GBP 100.00 for GTEE in GBP
  • INR 3000.00 for GTEE in INR
11.5.8Handling of Guarantee claimNPR 1,000 per claim
11.5.9Guarantee cancellation before expiry of guaranteeNPR 500
11.5.10Commission on loan for honoring guarantee claim without limit or exhausted limitMinimum NPR 2,500
S.N.DescriptionCharges
12.1Credit Check FeeNPR 621.50.00 with customer’s details
NPR 282.50 without details to be obtained
upfront and refund access amount to AC if any.

(Inclusive of value added Tax)
12.2Issuance of Letter of Credit LineUp to NPR 50M – NPR 250.00
More than NPR 50M to NPR 100M –NPR 500.00
More than NPR 100M – NPR 1,000.00
12.3Loan Against FD/NSB
  • Against NSB – 0.25%
  • Against FD – Nil
12.4
  1. Charge on partial release of securities
  2. Zonal registration transfer/request for new blue book
  3. Partial release of share of Share Loan / Margin Loan
  4. Replacement of Fixed Asset Collateral
  1. NPR 1000.00
  2. NPR 1000.00
  3. NPR 100.00 per scrip, not exceeding NPR 1,000.00
  4. NPR 5,000
12.5Credit Information Fee (Within Local FIs)NPR 1,000 per information
12.6No Objection Letter (Within Local FIs)NPR 2,000 per letter

Applicable Loan Related Charges

S.N.DescriptionCorporate / Infrastructure & ProjectsBusiness DevelopmentMid-marketRFS
12.7Loan Administration Fee

Working Capital Loans

  • Overdraft: 0.25%
  • Demand Loan: 0.25%
  • One-off Loan: 0.35%

Working Capital Loans

  • Overdraft: 0.50%
  • Demand Loan: 0.50%
  • Supply Finance : 0.75%
  • Sana Byawasai Karja :1%
  • Constructions Business Maximum : 0.50%
  • One-off Loan: 0.75%

Working Capital Loans

  • Overdraft: 0.50%
  • Demand Loan: 0.50%
  • Supply Finance: 0.75%
  • One-off Loan: 0.50%

Sana Byawasai Karja

  • Working Capital Loans: 0.75%
  • Term Loans: 0.75%
  • One Off Enhancement (Funded): 0.75%
  • Supply Finance: 0.75%
  • Trust Receipt Loan: 0.75%
  • Demand loan against local LC: 0.75%
  • One-off Loan: 0.75%

Trade Finance

  • Trust Receipt /Import Loan 0.25%
  • Demand Loan against Local LC: 0.25%
  • Export Loan: 0.25%
  • Domestic bills LCY: 0.25%
  • Export Bill: 0.25%
  • One-off Loan: 0.35%

Trade Finance

  • Trust Receipt /Import Loan 0.50%
  • Trust Receipt FCY- 0.10% on disbursed amount.
  • Demand Loan against Local LC: 0.50%
  • Export Loan: 0.50%
  • Domestic bills LCY: 0.50%
  • Export Bill: 0.50%
  • One-off Loan: 0.75%

Trade Finance

  • Trust Receipt /Import Loan 0.50%
  • Demand Loan against Local LC: 0.50%
  • Export Loan: 0.75%
  • Domestic bills LCY: 0.75%
  • Export Bill: 0.75%
  • One-off Loan: 0.50%

Trade Finance

  • Export Loan: 0.75%
  • Domestic bills LCY: 0.75%
  • Export Bill: 0.75%
  • One-off Loan: 0.75%

Terms Loans

  • Term Loan: 0.50%

Terms Loans

  • Term Loan: 0.75%

Terms Loans

  • Term Loan: 0.75%

Terms Loans

  • Commercial Vehicle Loans: 0.75%
  • Laghu Udhyami Karja: 0.75%
Non-Funded: 0.25%Non-Funded: 0.25%Non-Funded: 0.25%

Consumption Loans

  • Auto Loan: 0.75%
  • Home Loan: 0.75%
  • Home Equity: Loan: 0.75%
  • Personal Loan: 0.75%
  • 2 Wheeler Loan: 0.75%
  • Educational Loan: 0.75%
  • Loan Against Gold: 0.75%
  • Lifestyle Loans: 0.25%
  • Life Insurance Linked Loans: 0.25%
   

Deprived Sector &Micro Loans

  • Wholesale Loan: 0.25%
  • Low Cost Housing: 0.25%
  • Live Stock Loan: 0.75%
  • Tractor/eRickshaw Loan: 0.75%
  • Other MSME Loan: 0.75%
  • Laghu Karja: 0.75%
  • Krishi Karja: 0.75%
   Non-Funded: 0.25%
   

Lending to Microfinance Institutions

  • Overdraft: 0.50%
  • Demand Loan: 0.50%
  • Term Loan: 0.50%
   

Other Loans

  • Loan Against Shares: 0.75%
12.8Loan Renewal Fee0.15% of the loan amount
12.9Prepayment / Swap Fee
(Applicable for loan amount exceeding NPR 5,000K only)

Loan Prepayment Fee

    • – Prepayment within 2 Years of disbursal: 0.75% of the amount being prepaid
    • – Prepayment after 2 Years but within 5 Years of disbursal: 0.375% of the amount being prepaid
    • – Prepayment after 5 Years of disbursal: 0.15% of the amount being prepaid

Loan Swap Fee

  • – Swap within 2 Years of disbursal: 0.75% of the amount being swapped
  • – Swap after 2 Years but within 5 Years of disbursal: 0.375% of the amount being swapped
  • – Swap after 5 Years of disbursal: 0.15% of the amount being swapped

For amortizing loans with Fixed Interest Rate, Prepayment/Swap Fee of 0.75% shall be applicable throughout the tenure of the loan

 
12.10Commitment FeeRevolving Limit: 0.15% per annum on unutilized revolving limit (if average annual loan outstanding is less than 60% of approved limit, commitment fee shall be recovered for the deficit % i.e. if utilization is 50% commitment fee shall be charged on 10 %).
Amortizing Limit: One-time fee of 0.15% of undrawn portion of the approved amortized loan
S.N.DescriptionCharges
13.1Stop Payment of ChequeNil
13.2Account Closure within Six MonthsNil
13.3ABBS charge
Deposited/Withdrawal into account
other than domicile branch.		Nil
13.4Issuance of Balance CertificateNil
13.5Cheque Certified “Good For Payment”Nil
13.6Issuance of Cheque bookNil
13.7Dormant Release feeNil
13.8ATM cash withdrawal (On us)Nil

14.8STR NoticesNPR 565
(Inclusive of Value Added Tax)

S.N.DescriptionCharges
14.1Blacklisting /Delisting
(Loan default/Cheque Bounce)
  • NPR 2,260 per listing & de-listing of the borrower with loan
    facility/ Cheque bounce amount below 10 million.
  • NPR 3,390 per listing & de-listing of the borrower with loan
    facility/Cheque bounce amount equal/above 10 million

(Inclusive of Value Added Tax)

14.2ECC Outward presentment fee LCY
/FCY Cheques

LCY Cheques

  • Upto NPR 200K – Nil
  • Above 200K – NPR 16.95

FCY Cheques

  • NPR 16.95 (Any FCY amount)

(Inclusive of Value Added Tax)

Note: ECC / transfer fee for transactions initiated by Government
Institutions i.e., Ko. Lo. Ni. Ka, village Developments etc. is Nil

14.3ECC charges – Outward Cheques
presented through highvalue/express clearing session		NPR 113 per cheque
(Inclusive of Value Added Tax)
14.4NCHL IPS Charges LCY
(Including Inter Bank Deposit)

 

NCHL IPS Charges FCY

  • Up to NPR 500 – NPR 2.26/
  • Above NPR 500 to NPR 50K – NPR 5.65/-
  • Above 50K – NPR 11.30/

 

  • NPR 11.30 (Any FCY amount)

(Inclusive of Value Added Tax)
Note: Nil charges for Dividend refund payment amount up to NPR
100/-

14.5NCHL Connect IPS Charges
(Including Inter Bank Deposit)
  • Up to NPR 500 – NPR 2.26/
  • Above NPR 500 to NPR 5K – NPR 4.52/-
  • Above 5K – NPR 9.04/-

(Inclusive of Value Added Tax)

14.6Real Time Gross Settlement (RTGS)Morning Session (10.30 AM -1.30 PM): NPR 10
Afternoon Session (1.31 PM- 3.00 PM): NPR 20
14.7Blacklist ReportNPR 282.50
(Inclusive of Value Added Tax)

All third-party charges shall be taken as per actual basis. Any changes on their charges shall be changed accordingly.

S.N.DescriptionCharges
15.1Information Processing Fees under the Right to Information (RTI) ActNil
– NPR 1000.00 per information
(Depending on the Complexity of Sourced Information)
  • The fees as per latest NRB Directive shall prevail all the time.
  • By using or subscribing services, the customer also allows the bank to debit applicable charges and commission from
    the customer’s account.
  • Charges/commissions are subject to change upon bank’s discretion.
  • Waivers or discounts on the commission/ charges if applicable will be agreed between the Bank and the customer
    before using the service.
  • The charges/commission depending on the pricing structure may be one time or recurring.
  • If charges/commissions are missed for whatsoever reason, the customer allows the Bank to process the charges in
    bulk.
  • For cancellation, the customer has to follow the process as ratified by the bank. Irrespective of whether the service is
    used or not as long as the customer still holds a subscription the bank may charge the customer.
  • If you have any doubts or confusion regarding the charges, customers are requested to contact our nearest branch.
  • On charge related to service from third party shall be amended as advised by respective party.
  • Immediate family members refer to Spouse and Children only.

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