Standard Tarrif Charge

Charge Head	Charge
Cancellation of Good For Payment Cheque	Rs 500
Interest Earned Certificate/Other	Rs 500
Duplicate Statement Issuance	Rs 50 per page and maximum Rs. 500 in total.
Account statement charge sent through fax/mail	Rs 50 per page
Issuance of Balance Certificate	Nil (Rs. 1000 for subsequent issuance of same tenure restricting debit/credit transaction for that day)
Duplicate FD Certificate	Rs. 250
Account statement charge sent through courier	Actual cost of courier + Rs. 100
Cheque issuance against lost of requisition slip	Rs 250
Cheque Returned Unpaid (From Counter)	Rs 250
Cheque Dishonored (For ECC Inward)	Rs. 500 for every return
Cheque book destroy crossing six months	Rs 250
Issuance of Manager's Cheque as per request of customer	Rs 500
Cancellation of Manager's Cheque	Rs 500
Stop Payment Of Manager Cheque	Rs 500
Withdrawal Slip/ Issuance of One leaf Cheque	Rs. 50 (Amount upto Rs. 50,000)
	Rs. 100 (Rs. 50,001 to Rs. 200,000)
	Rs. 200 (Rs. 200,001 to below Rs. 1,000,000)
	Free for Social Security Account
ABBS Charge	Free
Charge to publish death notice	Actual Charge
Account Scheme Change	Rs.100
Issuance of Debit/Credit Advice	Free
Duplicate of Debit/Credit Advice	Rs.100
Record Retrieval
Within 3 months of transaction	Rs.100
From 3 months to 1 years	Rs.250
From 1 year to 2 years	Rs.500
After 2 years	Rs.750
Standing Instruction(as per customer request)	Rs.250 per instruction
Courier Charge	Actual or minimum Rs 100, whichever is higher.
C-ASBA/ASBA Charge	Rs. 5
CCTV footage Retrieval Charge (view only)	Rs. 1000 (Except regulatory and local authorities)
FD/ recurring deposit Premature/Cancellation
For FD crossing half tenure period	2% charge on deal amount for the period of remaining time
For FD not crossing half tenure period	Interest rate of minimum saving rate for elapsed time period
For FD of Co-operatives/Institutions	upto 2% charge on deal amount for the elapsed time period
For FD of Co-operatives/Institutions	FD of institutions shall not be premature before 6 months
For Recurring Deposit (Not crossing 3 month)	Interest rate of minimum saving rate for elapsed time period
For Recurring Deposit (After 3 month)	2% charge on deal amount for the period of remaining time
For Dui Guna FD	For FD crossing half tenure period: 2% charge on deal amount for the period of remaining time
For Dui Guna FD	For FD not crossing half tenure period: Interest rate of minimum saving rate for elapsed time period.

Clearing
Below 2,00,000.00	Free
Rs 2,00,000.00	As per NCHL
Above 2,00,000.00	As per NCHL
High Value Clearing	As per NCHL
Express	As per NCHL
FCY Cheque presentment	Rs. 15
Late presentment	As per NCHL

IPS
Transaction amount based slab
Upto Rs 500	As per NCHL
Rs 500 to Rs 50,000	As per NCHL
Above 50,000.00	As per NCHL
FCY Transaction Fee	As per NCHL

RTGS
Time Schedule
For transaction settled in Morning Exchanger	As per NCHL
For transaction settled in Afternoon Exchange	As per NCHL
For transaction settled in Evening Exchange	As per NCHL
Jyoti Remit
Rs 1-Rs 10,000	Rs 100
Rs 10,001-Rs25,000.00	Rs 150
Rs 25,001-Rs 60,000.00	Rs 200
Rs 60,001-Rs 100,000	Rs 300
Other Remittance	Actual cost

ATM & Card
Validity of the card	6 Years
ATM Issuance Fee	Rs. 1000 (Full Payment)
Reissuance of ATM	Rs. 1000 (Full Payment)
Replacement of card (lost)	Rs. 1000 (Full Payment)
Re-PIN charge	Rs. 150
PIN Refresh	Rs. 50
Fake claim charge	Rs. 500
ATM charge if not collected with in 90 days	Rs. 300
Balance inquiry off us (Member & Non-Member within Nepal)	Rs.20
Balance inquiry off us (India)	Rs. 50
Stop request /card block	Rs. 100
Card unblocks	Rs. 100
Linking new account	Rs. 200
ATM Cash withdraw Fee-Nepal	Rs. 15 per transaction
ATM Cash withdraw Fee-India	Rs. 250
ATM Access Fee(Cross Boarder Fee)	As defined by the Acquiring Bank
Installment Basis Card Fee per year (Visa Debit Card & Visa Instant Debit Card)	Rs. 200
E-commerce Activation Fees	Rs. 100
E-commerce Annual Charge	Rs. 100
E-commerce block	Rs. 100
E-commerce unblocks	Rs. 100
E-commerce deactivation	Rs. 100
Prepaid Dollar Card
Issuance Fee (Customer):	Rs.500
Cash Load fee (Customer):	Free for 1st Load
	Rs. 150 (for 2nd load)
	Rs. 200 (for 3rd load)
	Rs. 250 (after 3rd load)
Unload/Withdrawal fee	Rs. 350 (withdrawal rate as per FCY buying rate)
Block charge	Rs. 300
Unblock charge	Rs. 200
CVV resend charge	Rs. 100
Credit Card
Issuance/Joining Fee (Customer)	Rs. 500
Annual Fee	Rs. 700
Card- Reissuance Fee	Rs. 500
Pin Re-generation Fee	Rs. 150
Limit Enhancement Fee	Rs. 250
Transaction Alert Service	Free
E-commerce Activation	Free
Card Unblock/ Pin Refresh Fee	Free
Dispute Management Fee	As per VISA rule
Late Payment Fee	Rs. 500
Mobile Banking Fee
Registration Fee	Rs. 250 (Individual)
Renewal Fee	Rs. 250 (Individual)
Password Reset Fee	Rs. 50 (self-initiated free)
Validity of the Service	1 years
Block/Unblock Charge	Rs. 50 (for unblock)
Block/Unblock Charge	Rs. 100 (for Block)
Mobile number modification	Rs. 500
Account linkage charge	RS. 50 (Same client code)
Internet Banking
Registration /renewal Fee	Registration: 150 (individual/Corporate)
Registration /renewal Fee	Renewal: 100
Password Reset Fee	Rs. 50
Validity of the Service	1 year
Registration Charge for Online Account	Free

Locker Charge

Type	Volume of Locker(cubic cm)	Security Deposit	Annual Rental Charge
Small	Below 10400 cubic cm	Rs 10,000	Rs 2500
Medium	10400 cubic cm to 13500 cubic cm	Rs 10,000	Rs 4500
Large	13501 cubic cm to 28000 cubic cm	Rs 10,000	Rs 5500
Extra Large	Above 28000 cubic cm	Rs 15,000	Rs 8000
Note: -Breaking of Locker (if Customer losses key): Equivalent to security deposit or actual cost whichever is higher. -The security deposit is refundable at the time of surrender of the locker key by the customer. -Charges on clearing service shall be as same as of the STC of Nepal Clearing House Limited (NCHL). Any amendment on the STC of NCHL shall supersede the charge of bank STC. -All the charge of DP service shall be as same as of the STC of CDSC. Any amendment on the STC of the CDSC shall supersede the charge of the bank STC.

Guarantee Commission
Bid Bond	0.25% p.q. to 0.60% p.q. or (min. Rs. 2,000.00 p.a.)
Performance Bond	0.35% p.q. to 0.60% p.q. or (min. Rs. 2,000.00 p.a.)
Advance Payment	0.50% p.q. to 0.80% p.q. or (min. Rs. 2,500.00 p.a.)
Counter Guarantee	0.20% p.q. to 0.40% p.q. or (min. Rs. 1,500.00 p.a,$50 for foreign Counter Guarantee)
Court Guarantee	2% p.a., if 100% cash backed.
	3% p.a., if backed by Real Estate collateral
Supplier Credit Guarantee	0.45% p.q. to 0.80% p.q. or (min. Rs. 2,500.00 p.a.)
Amendment (except enhancement and extension )	Rs. 2500
Bank Guarantee Cancellation Charges	Rs. 2000 (before expiry)
CIC Fee	As per actual on the basis of CIC Provision
Secured Registration Charge	As per actual
Claim Handling Charge	Rs. 1000 per claim
Credit Administrative Charge / Loan Management Fee / Service Fee
Subsidy Loan	As per the NRB guidelines from time to time
Loan to Microfinance Institution under Deprived Sector Lending	Prime	Standard	Other
Fresh/Enhancement	0.25%	0.25%	0.50%
Renewal	0.05%	0.05%	0.10%
Loan to Microfinance Institution other than Deprived Sector Lending	Prime	Standard	Other
Fresh/Enhancement	0.25%	0.50%	1.00%
Renewal	0.05%	0.10%	0.20%
*Note: The above Categorization shall be made as per Bank Internal Categorization*
All other Funded Loans
Fresh/Enhancement	1.00%
Renewal	0.20%
Commitment fee (Revolving Nature)	0.20%, if average utilization is below 60%, on unutilized gap amount
Commitment fee (Term Nature)	0.20% of unutilized portion for one time
Gold Loan
Upto NPR 2,00,000.00	0.50%
NPR 200,001.00 to NPR 500,000.00	0.40% or Minimum NPR 1,000.00
NPR 500,001.00 and Above	0.25% or Minimum NPR 2,000.00

Prepayment charge (loan limit above 50 lakhs)
If loan is prepaid within 2 years	Upto 100% of loan management fee / service fee
If loan is prepaid from 2 years to 5 years	Upto 50% of loan management fee / service fee
If loan is prepaid after 5 years	Upto 20% of loan management fee / service fee
Swap charge on outstanding / swapped loan amount
If loan is swapped within 2 years	Upto 100% of loan management fee / service fee
If loan is swapped from 2 years to 5 years	Upto 50% of loan management fee / service fee
If loan is swapped after 5 years	Upto 20% of loan management fee / service fee
Prepayment charge / swap charge on term loan with fixed interest rate	Upto 100% of loan management fee / service charge with the consent of the borrower.
Service Charge in case of loan swap from BFI	0.20%
Loan Pre-disbursement charge	0.10% to 0.50% of disbursed amount per day or Rs.5,000 whichever is higher.
Share Pledge charges per institution	Actual Charge Only
Collateral release charges before maturity ( OD a/c)	No charge in case of branch transfer
Partial Release charge / Replacement Charge (Collateral and PG)	Rs. 5,000.00 to Rs. 25,000.00
Credit Reply (enquiry)	Rs. 500
Issuance of Loan Clearance Certificates	Rs. 1,000
Partial Release / Replacement Charge (Share Loan)	0.20% of Replaced limit
Black Listing	As per Actual Charge

Note: Any amendment if applicable as per NRB, then all charges of bank will be superseded by NRB

Standard Tariff Charge(STC) for DP Services

Charge Head	Charge	Remarks
BO account opening	Rs 50	One Time
BO account renew	Rs 100	Annually
Meroshare registration	Rs. 50	One Time
Meroshare renew	Rs. 50	Annually
Pledge	Rs. 50	Per script
BO account closing	Rs. 25	Per account
BO-BO transfer	Rs. 100	Per transfer
Rematerialization	Rs. 50	One Time
Family transfer or Partition	2% of Paid Up Vaule or 200, whichever is higher	Per transfer

STC for Death Transfer of Beneficial Owner (DP Services)

Securities paid up account	Charge
Up to Rs. 100,000	0.5% or minimum Rs 25
From Rs. 100,000 to Rs. 500,000	0.2% or minimum Rs 500
From Rs. 500,000 to Rs. 1,000,000	0.15% or minimum Rs 1,000
Above Rs. 1,000,000	0.1% or minimum Rs 1,500

Note: All the charge of DP service shall be as same as of the STC of CDSC. Any amendment on the STC of the CDSC shall supersede the charge of the bank STC.

Standard Tarrif Charge

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