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

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

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

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/-

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

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

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/-

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

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/-

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/-

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.

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/-

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

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)

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/-