Fees and Services
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- Fees and Services
ATM/Debit Card Related Charges
| S.NO. | PARTICULARS | SCT -UPI / VISA CARD |
| 1 | Card Annual Fee | NIL |
| 2 | Card Issuance Fee | Option 1: If upfront Payment Rs. 1500 Option 2: If Payment on installment Rs. 400/- every year for four years |
| 3 | Card Re-Issuance Fee | |
| 4 | Card Replacement Fee | |
| 4 | Pin Re-Generation Fee | Rs.100 per Re-PIN |
| 7 | EBL ATM Debit Cards used in Other Bank’s ATMs, Nepal | Rs.15 per transaction |
| 8 | EBL ATM Debit Cards used in ATMs, India | Rs.300 per transaction |
| Rs.50 per balance inquiry |
Credit Card Related Service Charges
(A) Fee and charges for Credit Facility Processing
| Particulars | Charge |
| Late Payment Charge | NRs. 250 |
| Over Limit Fee | NRs 500 per month |
| Auto Pay Failure Fee | NRs 250 |
| Statement Copy Fee | NRs 100 per copy (First Statement Free) |
| Limit Enhancement Fee | NRs 200 |
(B) Credit Card Related Service Charges
| Particulars | Charge |
| Card Issuance Fee | NRs 300 |
| Card Annual / Renewal Fee | NRs 500 |
| Card Replacement Fee | NRs 300 |
| Card Re-Issuance Fee | NRs 300 |
| PIN Re-Generation Fee | NRs 100 |
| Dispute management Fee | As per Visa Rule |
(C) Credit Card Transaction Charges (Per Transaction)
| ATM / POS type | Cash Advance fee | ATM Bal. Inq. | Purchase |
| EBL ATM / POS | NRs 150 | NRs 50 | NA |
| SCT Network, Nepal | NRs 250 | NRs 50 | NIL |
| Visa Network, Nepal | NRs 250 | NRs 50 | NIL |
| Visa Network, India | NRs 350 | NRs 50 | NIL |
Credit Related Service Charges
- PROCESSING CHARGES
a) Loan to Small and Medium Enterprises (Business Loan below Rs 500.00 lacs)
| FACILITY | |
| Fresh | |
| Working Capital (OD/TR/DL/STL) | 0.75% |
| Term Loan (Other than Retail) | 0.75% |
| Non Fund Loan | 0.50% |
b) Other than Retail and SME Loan (NEW)
| FACILITY | ||
| Working Capital | Upto Rs. 500.00 lacs | 0.75% |
| (OD/TR/DL/STL) | 500.00- 1000.00 | 0.60% |
| Above 1000.00 | 0.25% | |
| For Non Fund based limits | Upto Rs. 500.00 | 0.50% |
| 500- 1000.00 | 0.40% | |
| Above 1000.00 | 0.25% | |
| Term Loan | Upto Rs. 500.00 | 0.75% |
| 500- 1000.00 | 0.60% | |
| Above 1000.00 | 0.25% | |
c) Retail Loan
| FACILITY | |
| Housing Loan/ Home Equity | 0.75% of sanctioned loan |
| Vehicle Loan/ Two Wheeler/ HP loan (with 100% collateral) | |
| Education Loan | |
| All Other Schemes not covered above incl. FOD, FTL, HP loan (w/o collateral) etc. |
| Facility | ||
| Share Loan | Upto Rs. 500.00 | 0.75% of sanctioned loan |
| Above Rs. 500.00 | 0.25% of sanctioned Loan | |
| Charges for exposures to Government undertakings & PSUs (regular & adhoc FB & NFB limits) | For Fund Based Limits | 0.25% of sanctioned loan |
| For Non-Fund Based Limit | 20% of the charges as applicable to fund based limits | |
| Deprived Sector Lending (direct lending) | 0.10% however max. upto Rs. 5000.00 | |
| Advances against deposits, pension loans and government securities | Nil | |
| Loan against LIP | 0.25% | |
d) Deprived Sector through MFIs
| Fresh Sanction | ||
| Upto 1000.00 | 0.50% | |
| Above 1000.00 | 0.30% |
Agriculture Sector Lending (Fresh Sanction)
| Facility | |
| Agriculture Sector Lending – OD/TL/DL/TR | 0.50%- Upto Rs. 100.00 Lacs
0.25%- above Rs.100.00 Lacs |
- RENEWAL CHARGE : 20% OF APPLICABLE PROCESSING FEE (AS MENTIONED IN S.NO. -1 ) (Should not be more than 0.15% on any case)
- CHARGES FOR CHANGE IN TERMS & CONDITIONS: NIL
- SPECIFIC LOANS:
In case of adhocs, the processing charges may be recovered as under:
| Facility | Proposed | |
| Fund Base | Upto Rs. 500.00 lacs | 0.50% |
| 500.00- 1000.00 | 0.30% | |
| Above 1000.00 | 0.25% | |
| Non Fund Base | 0.40% |
Interchangeability/earmarking with the same account shall not attract the above charges.
- ENHANCEMENT OF LIMITS:
For enhanced working capital limits, charges shall be levied as above (fresh sanction) on enhanced limit only and renewal charges will be levied on existing limits.
- PRE-PAYMENT CHARGES:
No prepayment charge shall be levied on loan limit of Rs. 50.00 lacs. However, in order to dissuade the Borrowers from shifting to other banks, pre-payment charges shall be levied on the amount pre-paid in case of all Term Loans sanctioned as under:
- 20% of applicable processing fee (As mentioned in S. No. -1) for loans swapped to other banks((Should not be more than 0.15% on any case)
- 20% of applicable processing fee (As mentioned in S. No. -1) for prepayment of loan. (Should not be more than 0.15% on any case)
However, no prepayment charges are to be levied in the following cases:
- Where the loans are prepaid by the borrowers from their own sources due to change in upward revision in ROI;
- Where the loans are prepaid by the borrowers due to change in terms of sanction from initial offered terms unilaterally by the banks,
- Branches while conveying the sanction to the borrower(s) in respect of term loan sanctioned, should incorporate about the levy of pre-payment charges in the sanction letter itself.
- Branches to ensure that term loan document should contain the clause to the above effect and in case the same is not available in the term loan document, supplementary agreement be obtained.
- COMMITMENT CHARGES:
Commitment Charges on are to be levied on annual basis as under:
- For all fund based working capital limits including Flexi OD limit, commitment charges as given below shall be charged on undrawn portion.
Average Utilization Level Rate of Commitment Charges
| Existing Charge | ||
| Average Utilization Level less than 60% | 20% of applicable processing fee ( as mentioned on S. No. -1) (Should not be more than 0.15% on any case) | |
| Average Utilization Level 60% & above | Nil |
- OUT OF POCKET EXPENSES (POSTAL, TELECOMMUNICATION & OTHERS e.g. travelling, consultant fee etc.):
Out of Pocket expenses if any, are to be recovered from the borrowers in addition to the processing fee/other fee in case such expenses relate to the post-sanction stage of the credit facilities granted to the borrowers.
Actual charges (rounded off to next higher rupee) to be recovered in full.
Bank shall not charge anything additional to the customers than its cost for out sourced services through other institutions e.g. CIC reports, Blacklisting, property valuations, insurance etc.
Operation Related Service Charges (effective from 15th Kartik, 2076)
| S. No. | Particulars | Detail | Charges | |
| 1 | CHEQUE BOOK | Cheque Issuance | NIL (as per NRB provision) | |
| Stop Payment (cheque) | NIL (as per NRB provision) | |||
| Uncollected Cheque Book | a) Rs. 100/- per book, if not collected within a month. | |||
| b) Rs. 100/- upto 20 leaves at the time of destroy after 90 days, additional Rs. 5/- per leaf to be levied beyond 20 leafs | ||||
| 2 | BANK STATEMENT | First Time/Audit Purpose | NIL (as per NRB provision) | |
| Duplicate Statement | ||||
| a) Saving | a) Rs. 10/- per leaf | |||
| b) CA/CALL/OD | b) Rs. 50/- per leaf | |||
| E-statement (statement through email) | Free (through email) | |||
| 3 | BALANCE CERTIFICATE | Account operated less than 1 months | NIL (as per NRB provision) | |
| Account operated more than 1 month | NIL (as per NRB provision) | |||
| Free to institutions (other than individuals) once in a quarter for audit purpose only | ||||
| Reconfirmation | Rs. 500/- per request | |||
| 4 | ACCOUNT CLOSE | NIL (as per NRB provision) | ||
| 5 | ABBS CHARGE | NIL (as per NRB provision) | ||
| 6 | BILLS FOR COLLECTION | |||
| 6.1 | Outward Bills | Within Nepal | 0.15% or Min. Rs. 250/-+Courier Charge | |
| India | 0.15% or Min. Rs. 500/-+Courier Charge | |||
| FCY | ||||
| 6.2 | Inward Bills | Inward documentary collection (not under LC) | 0.15% or Min. Rs. 250/-+courier charges | |
| Cheque/Documents returned | Doc. Returned unpaid/ unaccepted: Rs. 1000/- + postal charge | |||
| 7 | ELECTRONIC CHEQUE CLEARING | Local Cheque Up to Rs.500.00 | NIL | |
| Local Cheque >Rs.500.00 Up to Rs. 5000.00 | NIL | |||
| Local Cheque >Rs. 5000.00 Up to Rs. 200,000.00 | NIL | |||
| Local Cheque above Rs.200,000.00 | Rs. 15.00 per cheque | |||
| FCY Cheque | Rs. 15.00 per cheque | |||
| Express Session | Rs. 100/- per cheque | |||
| Late presentment charge | Rs. 200/- per cheque | |||
| Cheque Return Charges | Rs. 200/- per cheque | |||
| (with the reasons funds insufficient for Inward Clearing Cheques only) | ||||
| 8 | INTERBANK PAYMENT SYSTEM | |||
| 8.1 | NPR TRANSACTION | |||
| i) IPS Charges | ||||
| Upto Rs. 500/- | Rs. 2/ | |||
| >Rs. 500/- Up to Rs. 50,000/- | Rs. 5/ | |||
| >Rs. 50000/- | Rs.10/ | |||
| ii) Provident Fund Saving (PFDS) and Provident Disbursement (PFSA) | Rs.10/ | |||
| iii) Transaction fee for divident payment amount upto Rs. 100/- | Waived | |||
| 8.2 | FCY TRANSACTION | Rs.10/ | ||
| IPS Other Charges | ||||
| Cancellation/return charge | Rs. 100/- | |||
| Roll over fee | As per Transaction free | |||
| Auto Rejection Fees | Double of above fee | |||
| Archieve fee | Rs. 200/- per transaction | |||
| Creditor listing fee | Rs. 10000/- per year | |||
| 8.3 | For ConnectIPS, charges shall be as per charged published by NCHL | |||
| 8.4 | For Interbank Fund Transfer, charges shall be as per charged published by Fonepay | |||
| 9 | FD PREMATURE | Premature withdrawal/ Cancellation of FDR | a) Premature cancellation of FD before 3 months, no interest shall be paid upto 29 days. | |
| b) After 29 days, lowest interest rate on published card rate of Call A/c for deposit period till 3 months. | ||||
| c) In other cases, 3% less than the contract date rate applicable for actual period of deposit held with the Bank or Call Deposit rate for FD receipt. | ||||
| 10 | FCY note deposit in FCY Account | Less than 50 denomination: 0.5% of the face value (as per NRB) | ||
| 11 | Standing Instruction | Initial: Rs. 200/- p.a. | ||
| 12 | NRB CHEQUE | Issuance | Rs. 500/- per instrument | |
| Cancellation | Rs. 500/- per instrument | |||
| Tax/Custom office | Rs. 500/- per instrument | |||
| 13 | GOOD FOR PAYMENT | NIL (as per NRB provision) | ||
| 14 | REMITTANCE | Cancellation | Rs. 250/- per instrument | |
| 14.1 | DRAFT ISSUANCE | Local | 0.1% or Min. Rs. 100/- | |
| INR: | 0.1% or Min. Rs. 100/- | |||
| FCY | 0.25% or Min Rs. 350/- | |||
| Duplicate draft | Rs. 500/- per draft | |||
| Cancellation | Rs. 100/- per draft | |||
| Revalidation | Rs. 100/- per draft (half year) | |||
| Stop Payment | Rs. 100/- per one leaf to 200 for multiple leafs + (swift charge if required) | |||
| 14.2 | TT/SWIFT | Outward Remittance/TT/Swift | Local: Rs. 250/- | |
| INR : 0.2% or Min. Rs. 100/-+swift charge | ||||
| FCY: 0.25% or Min. Rs. 350/-+swift charge | ||||
| Inward Remittance | NIL (as per NRB provision) | |||
| “OURS” charges | As per the corresponding bank’s charge | |||
| Cancellation charges | NA | |||
| 14.3 | SPEED REMIT | Saving/Current A/c Holder | 0.25% or min. Rs. 300/- | |
| OD/Loan Account holder | 0.20% or min. Rs. 200/- | |||
| 14.4 | RTGS | Saving/Current A/c | 0.25% or Min. Rs. 300/-+RTGS charge Rs. 350/- | |
| OD/Loan Account Holder | 0.20% or min. Rs. 200/-+RTGS charge Rs. 350/- | |||
| 14.5 | INTERBANK PAYMENT SYSTEM | As per Revised Speed / RTGS Remit Charge | ||
| 14.6 | RTGS (Domestic) | Morning Exchange | 10/- | |
| Afternoon Exchange | 20/- | |||
| Evening Exchange (Institution) | 100/- | |||
| 15 | LOCKER | Locker Rent | Annual Charges | Security Deposit |
| Size A | Rs. 2500/- | Rs. 15000/- | ||
| Size B | Rs. 4000/- | Rs. 20000/- | ||
| Size C | Rs. 5000/- | Rs. 22000/- | ||
| Size D | Rs. 8000/- | Rs. 25000/- | ||
| Size E | Rs. 9000/- | Rs. 30000/- | ||
| Size F | Rs. 10000/- | Rs. 30000/- | ||
| 16 | EBANKING | Breakage | Actual Cost | |
| Annual Charges | Free | |||
| Reset/Password regeneration | Rs. 100/- | |||
| Mobile No. Modification/linking new account | Rs. 100/- | |||
| 17 | MBANKING | Corporate | Mobile Banking + SMS Alert Rs: 500/- | |
| Individual | SMS Alert only Rs: 200/- | |||
| Mobile Banking + SMS Alert Rs: 300/- | ||||
| Mobile No. Modification/linking new account | Free | |||
| Repin generation | Rs. 75/- | |||
| 18 | ASBA/CASBA | Rs. 5/- per application | ||
| 19 | OTHER CHARGES | CCTV footage retrieval charge | a) Rs. 500/- per request- view only (required HO approval) | |
| b) Rs. 1000/- per request- for footage (required HO approval) | ||||
| No Charge, if request received is from law enforcement agencies (subject to disposal byelaws). | ||||
| Old document/Record Retrieval Charges | a) Rs. 200/- after 6 months | |||
| b) Rs. 500/- after 1 year | ||||
| No Charge, if request received is from law enforcement agencies (subject to disposal byelaws) | ||||
| DR/CR advice (duplicate) | Rs. 50/- | |||
| 19.1 | Manager’s Cheque/Pay Order | Issuance of Cheque | Rs. 500/- flat | |
| Cancellation of MC | Rs. 500/- flat | |||
| 19.2 | Other Certificates | Advance Payment Certificate | Rs. 300/- per certificate | |
| FDI Certificate | Rs. 1000/- per certificate | |||
| CMS/ECMS | Case to case basis upon approval | |||
| Any other certificate | Rs. 500/- per certificate | |||
| 20 | Bank Guarantee Charges | |||
| 20.1 | Bid Bonds | 0.10%pm or Rs.1200.00 per quarter whichever is higher | ||
| 20.2 | Performance Bonds (other than mentioned below in (a) and (b) | 0.15%pm or Rs. 1500.00 per quarter whichever is higher | ||
| (a) For Exim Code | ||||
| (i) Issuance | 0.15%pm or Rs.1200.00 per quarter whichever is higher | |||
| (ii) Amendment | 0.15%pm or Rs.2000.00 per quarter whichever is higher | |||
| (b) For the submission of Court/Revenue Tribunal/Legal Dispute | 0.25% pm or minimum Rs. 2500.00 per quarter whichever is higher | |||
| 20.3 | Advance payment Guarantee | 0.20% pm or Rs 1,500.00 per quarter whichever is higher |
||
| 20.4 | Financial Guarantee | 0.20% pm or Rs. 3,000.00 per quarter whichever is higher |
||
| 20.5 | Counter Guarantee | |||
| (i) Issuance on behalf of EBL customers | 0.10% pm or Rs.1500.00 + correspondent bank’s charges +SWIFT charge | |||
| (ii) Issuance on behalf of Foreign Banks | 0.10% pm or Rs.1500.00 per quarter whichever is higher+other charges | |||
| 20.6 | Shipping Guarantee | 0.20% pm. or Min. Rs. 5,000.00 per quarter | ||
| 20.7 | Supply Credit Guarantee | 0.10% pm or Rs.1,500.00 per quarter whichever is higher | ||
| 20.8 | Amendments | |||
| (i) Amendments in gurarantee not affecting value & expiry | Rs. 1,000.00 per amendment | |||
| (ii) Amendment in Value and Time | Same as issuance charge | |||
| (iii) Other amendment i.e. extension within same quarter or clauses of guarantee text | Rs. 1,500.00 per amendment | |||
| (v) Amendment of Counter Guarantee (EBL Charge only) | Same as issuance charge | |||
| 20.9 | Claim Handling Charge | Rs.1,000.00 flat per claim | ||
| 20.10 | Claim lodged but withdrawn on mean time within maturity of Guarantee | |||
| 20.11 | Claim Settlement charge | Rs.5,000.00 flat per settlement | ||
| 21 | COMMUNICATION CHARGES | |||
| 21.1 | SWIFT | Domestic | Rs. 500/- | |
| International | Rs. 900/- | |||
| 21.2 | COURIER CHARGES | Domestic | Rs. 100/- | |
| India | Rs. 200/- | |||
| Other SAARC countries | Rs. 500/- | |||
| Other Countries | Rs. 1500/- | |||
| 21.3 | POSTAL CHARGES | Domestic | Same as courier charge except for postal charges for domestic which shall be Rs. 50/-. | |
| India | ||||
| Other SAARC countries | ||||
| Other Countries | ||||
