S.N.

Service

Fees/Charges

1

Administrative Fees- Retail Loans up to 25 Lakhs

New 1.25%

Renew 0.25%

Administrative Fees- Retail above 25 Lakhs

New 1.00%

Renew 0.25%

2

Administrative Fee- Loan against Insurance policy

0.25% of the Loan Limit

3

Administrative Fee -Business Loan

Administrative Fee -Business Loan / Productive Sector Loan

New : 0.75%

Renew : 0.25%

4

Administrative Fee – Deprived Sector Loan ( Except DSL Wholesale Lending)

New 1.25%

Renew 0.25%

5

DSL Wholesale Lending

0.25% of Loan Limit

6

Commitment Fee on Revolving Loan

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

7

Penal Interest

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

8

Swap Charges

If Loan swap within 2 Years from the date of disburse : 1.25% of Loan Outstanding or Loan to be swap

If Loan swap after 2 years to 5 Years from the date of disburse: 0.625% of Loan Outstanding or Loan to be swap

If Loan swap after 5 Years, 0.25% of Loan Outstanding or Loan to be swap

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, 1.25% of the Loan Outstanding or Loan to be swap.

9

Prepayment Fee (Term Loan)

For loan limit up to NPR 5 million: Nil

If Loan prepaid within 2 Years from the date of disburse : 1.25% of Loan prepaid

If Loan prepaid after 2 years to 5 Years from the date of disburse: 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 prepaid, 1.25% of the Loan prepaid.

10

Collateral Replacement/ Change charge

NPR 5,000/- Flat

11

Share Release Charge

NPR 100/- per company

12

Issuance of Credit reference letter to other BFI's

NPR 200/- per request

13

Credit enquiry with CICL

As levied by CICL. Current Charges as per CICL are 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.

14

Recommending for blacklisting or when recommending for delisting from the blacklist

NPR. 3000 listing & de-listing of the borrower with loan/facility above 10 million NPR. 2000/listing & De-listing of the borrower with loan/facility below 10 million (Note: charges are subject to conditions prescribed by the CIB).

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

0.35% per quarter or minimum NPR 1000.00 per guarantee whichever is higher

Advance Payment Guarantee

0.45% per quarter or minimum NPR 2000.00 per guarantee whichever is higher

Credit Supply Guarantee

0.45% per quarter or minimum NPR 2000.00 per guarantee whichever is higher

2

BG Amendment Charges

For increase in BG Value or extension of BG Expiry, commission is to be charged as per new BG` establishment fee or NPR 1500 whichever is higher. Other Amendment NPR 1000 per amendment

3

BG Amendment Charges Amendment for time extension within the same quarter

Flat Charge of NPR 500

4

BG Claim Charge

NPR 2000 Per Claim

S.N.

Service

Fees/Charges

1

Small Size A

NPR 2,500/- Annually in advance

2

Medium Size B

NPR 3,000/- Annually in advance

3

Large Size C

NPR 4,000/- Annually in advance

4

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

NPR 10,000/-

5

Key Replacement charge while surrender of Locker

NPR 3,000/-

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

Issuance Fee: NPR  1,000/-     
(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 (Lost Card/Damaged)

Block Charge : NPR 200/- 

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

3

Card Block Fee

NPR 200/-

4

Card Unblock Fee

NIL

5

Pin Re-generation

NPR 100/-

6

Destruction of Uncollected Cards and Pins (if not collected within 3 months)

NPR 300/-

7

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

NPR 200/-

S.N.

Service

Fees/Charges

1

Cash withdrawal from POFIL ATM

Nil

2

Balance Enquiry from POFIL ATM

Nil

3

Cash withdrawal from Others than POFIL ATM

NPR 20/- (First two transaction of each month free)

For SCT and Union Pay Network terminals

4

Balance Enquiry from Others than POFIL ATM

On SCT Network : NPR 5/-

On Union Pay Network : NPR 15/-

S.N.

Service

Fees/Charges

1

Registration

NPR 200/-

2

Annual Maintenance Fee

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

Financial Institutions

Free

4

Credit Client/ Loan Disbursement

Free

5

Stop Payment/ 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

Financial Institutions

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 entire book)

Nil

3

Call Current Transfer

Nil

4

For Borrowing Customer if it is for loan repayment purpose

Nil

5

Standing Instruction to deduct any other standard charges within Finance

Nil

6

CASBA Fee

Rs 10/-

7

Destruction of Cheque if not collected within 3 months

NPR 300/-

8

Cheque Bounce/ Cheque Return over the Counter if cheque return memo is demanded (Due to insufficient Fund)

NPR 300/-

9

Issuance of Statement (Re-print)

NPR 10/- per page

10

CCTV Retrieval Charge

NPR 500 per request (Except regulator and local authorities)

11

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 account holder

12

Uncollected Cheque Book during Account Closure

NPR 200/-

13

Issuance of Balance Certificate

Nil

S.N.

Service

Fees/Charges

1

Customer Service Related Charges

100% waiver

2

Mobile Banking, ATM Cards

100% waiver

3

On Security Deposit 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

S.N.

Service

Fees/Charges

1

Valuator Security Deposit

NPR 1,00,000.00

2

Valuator Empanelment Fee

NPR 10,000.00

3

Valuator Renewal Fee

NPR 5,000.00