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:
|
||
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,
|
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 |
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/- & |
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 |
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 - 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 |
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/- |