Customer Service

SNDETAILS
RATE
11 NRB/Other Bank Cheque issuance. Rs.500/- flat (Free in case of payment to be made by Bank itself.Rs.500/- flat (Free in case of payment to be made by Bank itself.
2Stop Payment of Cheque.Rs. 200/- per instruction for same Branch’s account.
3Standing Instruction (Except Call and Current)Rs. 300/- per instruction(on request of customer)
4Cheque Certified “Good for Payment”Rs.200/- or 0.10% of face value per Cheque, whichever is higher.
5Cancellation of “Good for Payment” chequeRs. 250/- per Instrument(Original Cheque to be returned to the bank for GFP cancellation)
6Cheque returned (Due to insufficient balance only)Rs. 250/- per cheque for both over the counter and clearing cheque return.
(Branch should compulsorily take charge retaining the photocopy of cheque as proof against issuance of return advise/NCHL-ECC report)
7Issuance of Balance Certificate -Rs.500/- per certificate- Rs. 50/- per additional certificate (Free once a year for Corporate Accounts for Audit purpose.) (Balance to be shown based on closing balance of End of Day of any
8Cheque Book Issuance (Fresh)Free.
(Advised to issue only 5 leaves at one time per personal account and 10 leaves per Corporate account normally.)
9Cheque Book issuance against lost Cheque Book Rs. 300/-(Advised to issue only 5 leaves for individual personal account and 10 leaves for Corporate account normally.)
10Charge for Uncollected Cheque bookRs. 100/- per cheque book (Cheque books not collected for more than six month of issuance.)
11Re-print of Account StatementRs. 50/- per page.
12Duplicate FD CertificateRs. 500/-
(Approval from COO/CEO should be taken for duplicate FD Certificate print)
13Enquiry related to old records (more than 2 years)Rs. 100/- per enquiry
14No Due CertificateRs. 500/- per certificate
15Managers Cheque Issuance (Issues only to our customer)0.10% of amount issued or Rs.200/-, whichever is higher.
16Remittance
a) Inward and Outward

b) Fax transfer (within our branches)
a)a) Commission to be received separately as per agreement with Remittance companies.

b) 0.10% or Rs. 100 per transaction, whichever is higher
17Transfer of fund to other BFIs 0.10% or Rs.500/- per transaction, whichever is higher.
18Transfer of fund to other BFIs 0.10% or Rs.500/- per transaction, whichever is higher.
19Clean Bill Purchase/Discounting. (subject to limit/approval)0.05% of face value per day till realization by clearing/collection or Rs.500/-, whichever is higher. (Plus postal and other bank charges incurred during clearing/collection of the cheque).
20Returned Instrument
(Purchased cheque)
Interest to be recovered on outstanding amount @ prevailing highest published rate on loan account from the date of instrument purchased (plus other charges incurred, if any)
21Issuance of Advance payment certificateRs.300/- per certificate
22FD Liquidation (Pre-mature)1.No Interest to be paid if it is liquidated within less than 3 months.
2.If it is more than 3 months than interest to be paid by applying either coupon rate or prevailing published interest rate whichever is low, less 2% penalty for the actual period of FD held with the Bank.
23Postal Charges:
1.Collection of Clean Bills
2.Others (Documents)
Within Nepal: Rs.150/- per transaction or on actual basis, whichever is higher.
24Collection Charge:
1.Collection charges NPR Cheque

2.Cheque Collection outside Nepal

3.Clearing
1. 0.10% of the amount of cheque/draft with a minimum of Rs.200 plus applicable postage charge
2. 0.15% of face value or Rs. 500/- whichever is higher plus postal charge.
3. As per the charge taken from NCHL to banks for clearing proposed.
25Cross Branch cheque PrintingRs.300/-
(Advised to issue only 5 leaves at one time per personal account and 10 leaves per Corporate account normally.)

Trade Finance

SNDETAILSRATE
1Bid Bond0.25% per quarter or minimum Rs1,000/- per quarter, whichever is higher
2Performance Bond0.35% per quarter or minimum Rs. 1,000/- per quarter, whichever is higher
3Advance Payment Guarantee0.45% per quarter or minimum Rs. 1,000/- per quarter, whichever is higher
4Supplier Credit Guarantee0.45% per quarter or minimum Rs. 1,000/- per quarter, whichever is higher
5Amendment not affecting value & validityRs. 750/- flat
6Amendment affecting value & validityThe same rate as fresh issuance
7Guarantee Cancellation (Before Expiry)No Charge
8Claim Handling ChargeNPR 2,000/- per claim handle
9Cash MarginAs per approval

Credit

SNDETAILSRATE
1Credit inquiries by other BFIsRs. 200/- per enquiry
2CICL Charge and Black listing/delisting charge.
Interbank CIB Query charge
On actual basis.
Rs.250/
3Commitment Fee (Term Finance)
Commitment Fee (Working Capital Finance)
1% of the unutilized amount if loan not utilized for minimum of 50% of sanctioned loan in average.
4Prepayment ChargeUp to 1.5% of prepaid principal amount for term/installment loans.
5Loan Processing Fee1-25% of loan limit with minimum of Rs.2,000.00 to be paid up front.
6Loan Renewal FeeAt least 0.50% to 1% of the limit renewed.
7Public Notice Publish Charge (both for Credit and Deposit)On actual basis
8Loan Swap Charge1-2% of Loan Outstanding.
9Follow up ChargeAs per actual in case legal action.
10Loan (Principal) Penal Interest2% p.a. on overdue principal.
11Penal Interest on InterestAnnual 2% on overdue amount from due date.
12Collateral/Project/Business InspectionFor local units/Consortium Loan: NA
For outstation units: On actual basis
13Collateral Replacement/ Partial Collateral Release ChargeNA
14Interest on other receivable/Force Loan(Force Insurance/others)Highest publish rate
15Account with overdue Interest/ InstallmentAs per the approval
16Non Performing/ Provisioned AccountsAs per the approval

Staff Concessions

SNDETAILSRATE
1Cheque return(Refer to drawer)Free(Staff should not issue cheques without balance)
2Cheque collectionActual cost only.
3Communication, (Telex, SWIFT, Telephone, fax, courier, Postage etc.)Actual cost only.
4Issuance of bank Guarantees, Bid-bond, Performance Bond.1.2 % pa (0.30 %per quarter) per month Rs.500 minimum, Rs.1,000.
Cash margin at least 10% of total amount if no collateral security.