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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

  1. 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
  1. RENEWAL CHARGE : 20% OF APPLICABLE PROCESSING FEE (AS MENTIONED IN S.NO. -1 ) (Should not be more than 0.15% on any case)
  2. CHARGES FOR CHANGE IN TERMS & CONDITIONS: NIL
  1. 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.

  1. 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. 

  1. 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.
  1. 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
  1. 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.

Letter of Credit (LC) Related Service Charges (effective from 15th Ashwin 2080)

S.N. Particulars  Proposed for Revision
Documentary Credits (Import)
1 LC Opening Charges/Booking Commission Commission 0.25% p.q.
Minimum Charge Rs. 2000.00
2 LC Ammendment Charges Commission 1. Amendment in Value and Time: 0.25% p.q.
Minimum Charge 1. Rs. 2000.00
2.Ammendment in LC not affecting value and & expiry : Rs.2000.00 Flat per ammendment
3 Revolving LC/s Reinstatement Commission 0.25% p.q. of reinstatement value
Minimum Charge Rs.2000.00 per re-instatement
4 L/C Cancellation Rs.2000.00 (Flat)
5 Document Handling Charge(For Each Set of Document and BIBINI Issue) Rs.1500.00 per document(original document)
Rs.2000.00 per document (copy document)
6 Discrepancy Charge FCY USD 70.00 or equivalent to USD 70.00 for other FCY
INR INR 2500.00
NPR NPR. 3000.00
7 Usance Commission/Acceptance Booking Commission Commission 0.25% p.q.
Minimum Charge Rs2,000.00
8 LC Documents Returned/Unpaid/Unaccepted Rs. 2500.00 Plus Courier Charge
9 BCI (Business Credibility Information) Actual Cost + Rs.1500.00
10 L/C Overdrawn Commission Rs. 2000.00 (Flat)
11 LC Settlement Charge by booking  Force Loan/BLC Rs.3000.00 plus regular charges
12 SWIFT Charge a. Opening:Rs.2000.00 (Flat)
b. Ammendment:Rs.1500.00 (Flat)
c. Local LC -Ammendment:Rs.500.00 (Flat)
d. Settlement:Rs.1500.00 (Flat)
e. Acceptance:Rs.1000.00
13 Re-issuance charge for NRB cheque under LC Rs.500.00
14 Re-imbursement Authorization/                                    Re-imbursement Claim on behalf of other banks Minimum Charge NPR- NPR.2000.00
INR-INR 2000.00
USD and FCY-USD 50.00 and equivalent convertible currency
Documentary Credits (Export)
1 For Advising Original LC a. Own Customers-Rs.2000.00 per LC
b. Other Customers-Rs.3000.00 per LC
2 For Advising Ammendment a.  Own customers-Rs.2000.00 per amendment
b. Other customers-Rs.3000.00 per amendment
3 Confirming a LC Commission 0.25% p.q.
Minimum Charge Rs.2000.00
4 L/C Transferring Charge Commission a. Own customers-0.10% p.q.
b. Other customers-0.20% p.q.
Minimum Charge a. Own customers-Rs.1500.00
b. Other customers- Rs.2000.00
5 Negotiation Commission Commission BR+3% from the date of purchase till the date of payment
Minimum Charge
6 Documents sent for Collection Commission 0.15% p.q.
Minimum Charge Rs2,000.00
7 Overdue Export Bills(Sight/Usance) 2% additional interest on overdue period
8 Export LC Cancellation Rs.2000.00
DAA/DAP/DOCUMENTARY BILLS COLLECTION OR CAD (CASH AGAINST DOCUMENTS)
1 DAP/DAA/CAD Intimation Charge INR/NPR Rs.1000.00  (Flat)
FCY
2 Settlement   DAA/DAP/                  DOCUMENTARY BILLS COLLECTION OR CAD PAYMENT Commission 0.25% p.q.
Minimum Charge DAA and DAP:Rs.2000.00
3 DAP/DAA/CAD  Doc Return Charge Rs.2000.00+Courier
4 Outward Collection Bills Commission 0.15% p.q.
Minimum Charge within Nepal-Rs.1000.00
FCY/INR-Rs.2000.00
5 Duplicate CAD Certificate RS.1500.00
MISCELLANEOUS
1 Any Letter on Request of Applicant to Customs/NRB/Beneficiary Bank/ or Government Agency in Nepal Rs.1500 flat
2 SWIFT Charge Rs.1500 flat
3 Communication Charge For Follow Up Against Documents (LC/DAP/DAA/EXPORT/BILLS COLLECTION) RS.1000.00/follow up

 

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  E-CMS Charges                                            0.10% of transfer amount
22 COMMUNICATION CHARGES
22.1 SWIFT Domestic Rs. 500/-
International Rs. 1500/-
22.2 COURIER CHARGES Domestic Rs. 100/-
India Rs. 200/-
Other SAARC countries Rs. 500/-
Other Countries Rs. 1500/-
22.3 POSTAL CHARGES Domestic Same as courier charge except for postal charges for domestic which shall be Rs. 50/-.
India
Other SAARC countries
Other Countries

 

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