CUSTOMER SERVICES

NRB and Other BFIs Cheque issuance against Green Cheque

• Rs.500/- flat per Cheque (Free in case of payment to be made by the Bank itself)

Standing Instruction

• Rs.200/- per instruction, Free for Call/Current Account Transfer.

Good for Payment

Cancellation of Good for Payment Cheque

• Rs.300/- per instrument

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

Cheque returned (due to insufficient balance only)

• For Inward / Home Cheque: Rs.100/- per Cheque

(Branch should compulsorily take charge retaining the photocopy of Cheque as proof against issuance of return advise/NCHL-ECC report)

Cheque Book

Charge for Uncollected Cheque Book

• Rs. 250/- per Cheque book (Cheque books not collected within six months from request date).

Cheque Requisition Lost Charge

• Rs. 250/- per Requisition slip.

Account Statement

Duplicate Account Statement

• Rs. 20/- per page. Free in case of issuance of additional Balance Certificate.

Duplicate, Customer DR / CR advice/ Record (On customer request)

Within 3 months of transaction

• Free for first time when fresh advice is issued at the time of transaction place.

• Rs. 200 for duplicate document.

After 3 months and up to 2 Years

• Rs 300/- per request.

After 2 years

• Rs.500/- per request

Duplicate FD Certificate (Advice)

• Rs.500/- (Approval should be obtained from HOD-Operation for its issuance)

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)

New Card Issuance

• Free

Re-issuance

• Rs.250/- (for lost or damage card reissuance only)

Pin Re- generation of Debit Card

• Rs.100/-

Uncollected debit cards

• Rs.300 (if not collected within 6 months from order date)

Mobile Banking

Registration for service for Individual A/C

• Rs. 250/- per account

Registration for service for Corporate A/C

• Rs. 500/- per account

Addition of Account in Service

• Individual Account: NPR.100.00
• Corporate Account: NPR.200.00

Renewal fee

• Rs. 250/- per account (Annually)

Pin regeneration

• Rs. 100/-

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 500/-

Annual Renewal

NPR 200 /-

Internet Banking Password Reset

NPR 50/- per time

Other Fees

CCTV footage request

• Rs. 500/- per request (Subject to approval from HOD- Operation)

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

Transfer to another bank

• 0.1% or minimum Rs. 500/- per transfer.

Cheque Collection

Local clearing Cheque (Normal Course)

• As per the rules of NRB & NCHL.

Cheque Returned due to Insufficient Balance

• Rs. 100/- Cheque for all currency

Local clearing Cheque (Special /Express clearing)

• As per the rules of NCHL.

IPS/Connect IPS Charge

• As per the rules of NCHL.

Trade Finance

Bid Bond

Rs.750 of 0.25% per quarter whichever is higher

Performance Bond

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

Advance Payment Guarantee

Rs. 1,000/- or 0.45% per quarter whichever is higher

Supplier Credit Guarantee

Rs. 1,000/- or 0.45% per quarter whichever is higher

Amendment not affecting value & validity

Rs.750.00 flat

Amendment affecting value & validity

The same rate as fresh issuance

Guarantee Cancellation (before expiry)

No Charge

Claim Handling Charge

Rs.2,000.00 per claim                                                                                    

CREDIT ADMINISTRATION

Credit Correspondence Fee

Rs.500/- per Correspondence.

No due Certificate (for borrower)

Rs.500/- per enquiry.

CICL Charge

Credit Information

As per the rules of CICL.

Black Listing / delisting charges

As per the rules of CICL.

Penal interest on Principal/ Interest

2 % p.a. on overdue principal/interest

LENDING FEES

Loan Processing Fee

1% of Limit

Loan Processing Fee on Gold Loan

1% of Limit

Loan Renewal Fee

0.20% of Limit

Business Overdraft Loan Renewal Fee

0.20% of Limit

Prepayment Charge

Up to 0.20% of Outstanding Limit (In case of O/S Balance is higher than 50 Lakh.

Public Notice publish Charge

On actual basis.

Collateral replacement/partial release

0.25% of Limit or Rs. 5,000/- whichever is higher. (For share release Rs. 250/- per release)

Interest Rate of Force Loan

Maximum published interest premium rate

Follow-up charge

As per actual in case legal action

Loan Swap Fee

0.20% on outstanding principal

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.

Loan Commitment Charge (CEO Can waive)

For Renewal Nature Business Loan/Business Overdraft

Loan commitment charge shall be 0.20% of unutilized portion of loan if average utilization falls below 60%, which shall be

Charged at the time of renewal/settlement of loan.

For Renewal Nature Real Estate Personal Loan/Personal Overdraft/Loan Against Share

Loan commitment charge shall be 0.20% of unutilized portion

Of loan if average utilization falls below 60%, which shall be charged at the time of renewal/settlement of loan.

For Term Nature Loan

Loan commitment charge shall be 0.20% of unutilized portion of loan if loan utilization less than approved loan limit.