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            • नेपाली

          Tariff Of Charge

          Effective from 2078-12-13 (2022-03-27)

          1. Loan Management Fees

          S.N.

          Service

          Fees/Charges

           

          1

          Administrative Fees- Retail Loans up to 50 Lakhs

          New           : 1.25%

          Renew        : 0.25%

          Administrative Fees- Retail above 50 Lakhs

          New             :1.00%

          Renew         : 0.25%

          2

          Administrative Fee- Loan Against Insurance Policy

           NA

          3

          Administrative Fee -Business Nature Loan

          New               : 1.00%

          Renew            : 0.25%

          4

          Administrative Fee –Hire Purchase Loan / Auto Loan

          Hire Purchase / Auto : 1.25%

          Hire Purchase Commercial   : 1%

          5

          Administrative Fee – Deprived Sector Loan (Retail)

          New   : 1.25%

          6

          DSL Wholesale Lending

          New     : 0.25%

          Renew  : 0.25%

          7

          Commitment Fee on Revolving Loan

          0.25% of unutilized amount if average utilization during the review period is less than 60%

          8

          Penal Interest

          Penal interest 2% on principal and/ or interest becomes overdue/ default

           

           

           

           9

           

           

           

           

           

           

           Swap Charges

           

           

           

          If Loan swapped within 2 years from the date of disbursal : 1.25% of Loan Outstanding or Loan to be swapped.

          If Loan swapped after 2 years to 5 years from the date of disbursal: 0.625% of Loan Outstanding or Loan to be swapped.

          If Loan swapped after 5 years, 0.25% of Loan Outstanding or Loan to be swapped.

          If Loan settled within 30 days from the date of CIC reply to other banks, Swap charge will be levied as per applicable rate.

          If loan provided on basis of fixed interest rate, loan swap charge, 1.25% of the Loan Outstanding or Loan to be swapped.

           

           

           

           10

           

           

           

           

           Prepayment Fee (Term Loan)

           

          For loan limit up to NPR 5 million: Nil

          For loan limit above NPR 5 million:

          • If Loan prepaid within 2 years from the date of disbursal : 1.25% of Loan prepaid
          • If Loan prepaid after 2 years to 5 years from the date of disbursal: 0.625% of Loan prepaid
          • If Loan prepaid after 5 years, 0.25% of Loan prepaid
          • If loan provided on basis of fixed interest rate, loan prepayment charge shall be 1.25% of the prepayment amount.

          11

          Loan Conversion Charge for Personal Overdraft/Interest Payable Loan

          0.25% of the loan amount

          12

          Credit enquiry with CIB

          Current Charges as per CIB,

          • NPR 250/- per enquiry if report is received with no Transaction history at other BFIs.
          • NPR 550/- per enquiry if report is received with Transaction history at other BFIs.

          13

          Recommending for blacklisting or when recommending for delisting from the blacklist

          As per the bills provided by Credit Information Centre

           

          2. Non Funded Business

          S.N.

          Service

          Fees/Charges

           

           

           

          1

           

           

           

           

           

           

           

           

          Bank Guarantee Charge

           

           

           

           

           

          Bid Bond

          0.25% per Quarter or NPR 1,000/- per guarantee whichever is higher.

          Performance Bond

          0.30% per quarter or minimum NPR 1,000/- per guarantee whichever is higher

          Advance Payment Guarantee

          0.375% per quarter or minimum NPR 1,000/- per guarantee whichever is higher

          Credit Supply Guarantee

          0.375% per quarter or minimum NPR 1,000/- per guarantee whichever is higher

          Guarantee for custom for obtaining license, route permit, guarantee for court and other purpose

          0.375% per quarter or minimum NPR 1,000/- per guarantee whichever is higher

          Guarantee For Supply Business by Other Than Construction Company

          Bid Guarantee

          0.25% per quarter or minimum NPR 1,000/- per guarantee whichever is higher

          Performance Guarantee

          0.30% per quarter or minimum NPR 1,000/- per guarantee whichever is higher

          Advance Payment Guarantee

          0.375% per quarter or minimum NPR 1,000/- per guarantee whichever is higher

          2

          BG Amendment Charges

          For increase in BG Value or extension of BG Expiry, commission to be charged as per new BG` establishment fee or NPR 1,000/- whichever is higher. Other Amendment NPR 500/- per amendment

          3

          BG Amendment Charges Amendment for time extension within the same quarter

          Flat Charge of NPR 500/-

          4

          BG Claim Charge

          NPR 2,000/- per Claim

           

          3. Safe Deposit Locker

          S.N.

          Service

          Fees/Charges

          1

          Small Size A

          NPR 3,000/- Annually in advance

          2

          Medium Size B

          NPR 4,000/- Annually in advance

          3

          Large Size C

          NPR 5,000/- Annually in advance

          4

          Security Deposit (to be held in the operative account of the customer)

          NPR 10,000/-

          5

          Key Surrender Charge of Locker

          NPR 2,000/-

          6

          Break open of Locker due to loss of Key by Customer

          NPR 3,000/- plus actual bill cost submitted by the vendor

           

          4. ATM Card

          S.N.

          Service

          Fees/Charges

          1

          Issuance of Card
          (in case of New/Renew/Damage)

          Issuance Fee: NPR  1,000/- (4 years validity)

          (The whole amount of NPR 1,000/- will not be charged at the time of issuance, it will be charged per annum basis i.e. NPR 250/- per annum )

          2

          Re-issuance of Card ( in case of lost)

          Block Charge : NPR 200/-  &
          Re- issuance Charge : NPR 250/- per annum (i.e. NPR 1,000/- in 4 years)

          3

          Card Block Fee (in case of lost)

          NPR 200/-

          4

          Card Unblock Fee

          Nil

          5

          PIN Re-generation

          NPR 100/-

          6

          Destruction of Uncollected ATM Debit Cards/PIN (if not collected within 3 months)

          NPR 300/-

          7

          Destruction of Re-PIN (if not collected within 3 months)

          Nil

          8

          Cards not returned at the time of account closure (if the validity of the card is remaining)

          NPR 200/-

           

          5. Cash Withdrawal and Balance Enquiry of ATM Cards

          S.N.

          Service

          Fees/Charges

          1

          Cash withdrawal from Pokhara Finance's ATM

          Nil

          2

          Balance Enquiry from Pokhara Finance's ATM

          Nil

          3

          Cash withdrawal from other than Pokhara Finance's ATM (SCT/UPI accepted terminals in Nepal)

          NPR 20/-

          (However, initial two transactions of each month free)

          4

          Balance Enquiry from other than Pokhara Finance's ATM

          NPR 15/-

          5

          Balance Enquiry from SCT MOCO Mobile Application

          NPR 5/-

          6

          POS Transaction

          Nil

           

          6. Mobile Banking

          S.N.

          Service

          Fees/Charges

          1

          Registration (1 year validity)

          NPR 200/-

          2

          Renewal Fee(per annum)

          NPR 200/-

          3

          PIN Regeneration

          NPR 50/-

          4

          Mobile Number Modification

          Free

           

          7. ECC (Electronic Cheque Clearing) Processing

          S.N.

          Service

          Fees/Charges

          1

          Cheque below NPR 2 Lakhs

          Free

          2

          Cheque of NPR 2 Lakhs

          As per actual NCHL charge

          3

          Cheque above NPR 2 Lakhs

          As per actual NCHL charge

          4

          Express Clearing

          As per actual NCHL charge

          5

          Late Presentment Charge

          As per actual NCHL charge

          6

          High Value Clearing

          As per actual NCHL charge

          7

          Inward Clearing Cheque Return (Insufficient Fund only)

          NPR 300/-

           

          8. NCHL IPS Transactions

          S.N.

          Service

          Fees/Charges

          1

          Up to NPR 500/-

          As per actual NCHL charge

          2

          NPR 501 to 5,000/-

          As per actual NCHL charge

          3

          NPR 5,001 to 50,000/-

          As per actual NCHL charge

          4

          Above 50,000/-

          As per actual NCHL charge

           

          9. Issuance of Manager's Cheque

          S.N.

          Service

          Fees/Charges

          1

          Account Holder

          NPR 250/-

           2

          Non Account Holder

          NPR 500/-

          3

          BFIs

          Free

          4

          MC issuance to vendor/party against loan disbursement

          Free

          5

          Cancellation of Manager's Cheque

          NPR 500/-

           

          10. NRB / Other BFIs Cheque Issuance

          S.N.

          Service

          Fees/Charges

          1

          Account Holder

          NPR 500/-

          2

          Non Account Holder

          NPR 1,000/-

          3

          BFIs

          Free

          4

          Cancellation of Cheque

          NPR 500/-

           

          11. Customer Service

          S.N.

          Service

          Fees/Charges

          1

          Stop Payment of Drawn Cheque

          Nil

          2

          Stop Payment of Undrawn Cheques (up to the entire book)

          Nil

          3

          Reissuance of Cheque (if Cheque Requisition Slip is not submitted)

          NPR 200/-

          4

          Call Current Transfer (Call Account)

          Nil

          5

          Standing Instruction

          NPR 100/-

          - Free for borrower/loan customer if it is for loan repayment purpose

          - Free for Standing Instruction to deduct any other standard charges within Finance

          6

          Destruction of Cheque if not collected within 3 months

          NPR 300/-

          7

          Cheque Bounce/ Cheque Return over the Counter if Cheque Return Memo is demanded due to insufficient fund (charges shall be levied from the Cheque Issuer i.e. Drawer)

          NPR 300/-

          8

          Issuance of Statement (in case of reprint)

          NPR 10/- per page

          9

          CCTV Retrieval Charge

          NPR 500 per request (Except regulator and local authorities)

          10

          FD Premature or Liquidation

          The differential of highest interest rate (among the present published rates of FDs) and applied interest rate of FD amount or 2 % flat penal charge whichever is higher on remaining days to maturity.

          No charges in case of demise of the account holder

          11

          Cheque Requisition Slip not submitted during Account Closure

          NPR 200/-

          12

          Issuance of Balance Certificate

          Nil

          13

          Cheque certified “Good for Payment”

          Nil

          14

          Cancellation of Good For Payment Cheque

          NPR 1000/-

          15

          Issuance of Duplicate FD Receipts

          NPR 500/- per Copy

          16

          Issuance of Duplicate TDS Certificates

          NPR 250/- per Copy

          17

          Issuance of Withdrawal Slip (per slip)

          NPR 100/-

          (Free for thumbprint account holder)

          18

          Duplicate Customer DR/CR advice

          NPR 500/-

          19

          Blacklisting Fee

          As per the actual cost prescribed by CIB.

           

          12. Demat/ASBA Service

          S.N.

          Service

          Fees/Charges

          1

          Demat Account Opening Charge
          (including the Mero Share Fee)

          NPR 200/-

          (Including the Mero Share fee of the initial year)

          2

          Annual Renewal Charge of Demat Account

          NPR 100/-

          3

          Mero Share Renewal Fee

          NPR 50/-

          4

          CASBA Apply Fee (per issue)

          NPR 10/-

           

          13. Waiver on Sunaulo Bachat &Talab Bachat Khata

          S.N.

          Service

          Fees/Charges

          1

          Waiver scheme on Sunaulo Bachat Khata

          - Free of cost on the regular charge of ATM Debit Card Service
            (New/Renewal)
          - Free of cost on Mobile Banking Service (Registration &
            Renewal)
          - Free of cost on the 1st year's Annual Charge of Locker

          - Free of cost on the regular charges of ECC & IPS Service

          2

          Waiver scheme on Talab Bachat Khata

          - Free of cost on the 1st year's subscription charge of ATM Debit
            Card Service
          - Free of cost on Mobile Banking Service (Registration &
            Renewal)
          - Free of cost on the regular charges of ECC & IPS Service

           

          14. Staff Facilities

          S.N.

          Service

          Fees/Charges

          1

          Customer Service Related Charges

          100% waiver

          2

          Mobile Banking/ATM Cards (Registration/Renewal/Block/Unblock/Regeneration PIN/Password)

          100% waiver

          3

          Security Deposit of Locker and Locker Surrender Charge

          100% waiver

          4

          Locker Breakage Charge

          Actual bill cost submitted by the vendor

          5

          Commitment fee and Pre-payment charge

          100% waiver

          6

          Others mentioned in STC

          50% waiver

          (One-time payment)

           

          15. Valuator Fees

          S.N.

          Service

          Fees/Charges

          1

          Valuator Security Deposit

          NPR 1,00,000/-

          2

          Valuator Empanelment Fee

          NPR 10,000/-

          3

          Valuator Renewal Fee

          NPR 5,000/-

           

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