Fees and Services

Atm/Debit Card Related Charges

S.NO. PARTICULARS SCT -UPI CARD VISA CARD
1 Card Annual Fee NIL NIL
2 Card issuance Fee Rs.250 per card Rs.250 per card
3 Card Re-Issuance Fee Rs.250 per card Rs.250 per card
4 Pin Re-Generation Fee Rs.100 per Re-PIN Rs.100 per Re-PIN
5 Card Replacement Fee Rs.250 per card Rs.250 per card
6 ATM Transaction Fee ( Annual) Rs.250 per card Rs.250 per card
7 EBL ATM Debit Cards used in Other SCT ATMs Rs.30 per transaction

Rs.5 per balance inquiry

Rs.30 per transaction

Rs.5 per balance inquiry

8 EBL ATM Debit Cards used in Visa Network ATMs, Nepal Rs.35 per transaction

Rs.15 per balance inquiry

Rs.50 per transaction

Rs.30 per balance inquiry

9 Cash withdrawal at PNB / Visa ATM terminal Rs.250 per transaction

Rs.55 per balance inquiry

Rs.250 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

S. No. Head Remark Service Charge
     1. Working Capital Upto Rs. 500.00 lac 1.00% of sanctioned loan
(OD/TR/DL/STL) From Rs. 500.00 lacs to Rs 1000.00 lacs 0.75% of sanctioned loan subject to minimum Rs. 5.00 lacs
Above Rs 1000.00 lacs 0.25% of sanctioned loan
     2. Non Fund Based Upto Rs. 500.00 lac 0.50 % of sanctioned loan
From Rs. 500.00 lacs to Rs 1000.00 lacs 0.40% of sanctioned loan
Above 1000.00 lacs 0.25% of sanctioned loan
   3. Term Loan Upto Rs. 500.00 lac 1.00% of sanctioned loan
From Rs. 500.00 lacs to Rs 1000.00 lacs 0.75% of sanctioned loan
Above 1000.00 lacs 0.25% of sanctioned loan
   4. Renewal Charge Upto Rs. 500.00 lac 0.75% of sanctioned loan
From Rs. 500.00 lacs to Rs 1000.00 lacs 0.50% of sanctioned loan subject to minimum Rs. 2.00 lacs
Above 1000.00 lacs 0.25% of sanctioned loan
NFB 0.25% of sanctioned loan
   5. Other Charges
Facility Charges
Housing Loan/ Home Equity 1.25% of sanctioned loan
Vehicle Loan/ Two Wheeler/ HP loan (with 100% collateral) 1.00% of sanctioned loan

 

Education Loan 1.00% of sanctioned loan
Other Schemes not covered above incl. FOD, FTL, HP loan (w/o collateral) etc. 1.50% sanctioned loan

 

Share Loan 1.50% of loan limit
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 0.10% or min Rs. 500 however max. upto Rs. 5000.00
Advances against deposits, pension loans and government securities  Nil
Agriculture Sector Lending –OD/TL/DL/TR 0.50%- Upto Rs. 500.00 Lacs

0.25%- above Rs. 500.00 Lacs

    6. Adhoc
Fund Base Loan upto Rs. 500.00 lacs 0.75% of sanctioned loan
Loan above Rs. 500.00 lacs upto Rs. 1000.00 lacs 0.50% of sanctioned loan
Loan above Rs. 1000.00 lacs 0.30% of sanctioned loan
Non Fund Base 0.40% of limit
    7. Enhancement of working Capital Charges shall be levied as above (as per s. no. 1)  on enhanced limit only and renewal charges will be levied on existing limits
    8. Consortium Advances Lending under consortium arrangement whether as a leader or a member bank, the processing charges as agreed in the consortium as per majority decision and the same shall not be lower from any other member bank be levied on the limits sanctioned to the borrower by the bank. These charges would be in addition to the lead bank fee, wherever chargeable.
    9. Pre – Payment Charges No prepayment charge shall be levied on loan limit of Rs. 50.00 lacs.

Other than above

·  2% for loans swapped to other banks

·  1.00% for loans settled within one year of disbursement

·  0.75% if paid after one year of disbursement for loans settled from own sources due to availability of surplus funds with the borrowers (for reasons other than mentioned below)

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,

   10. Commitment Charges For all fund based working capital limits including Flexi OD limit Average Utilization Level less than 50% – 0.50% p.a.

Average Utilization Level 50% to less than 60% 0.25% p.a.

Average Utilization Level above 60% – Nil

   11. Out of Pocket expenses (Postal. Telecommunication & Others e.g. traveling, consultant fee etc.) Actual charges (rounded off to next higher rupee). Bank shall not charge anything additional to the customers than its cost for outsourced 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. 150/- per cheque
Late presentment charge Rs. 250/- 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, 2% 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 Rs. 300/-
OD/Loan Account Holder 0.20% or min. Rs. 200/-+RTGS charges Rs. 300/-
15 LOCKER Locker Rent Annual Charges Security Deposit
Size A Rs. 2500/- Rs. 15000/-
Size B Rs. 4000/- Rs. 15000/-
Size C Rs. 5000/- Rs. 20000/-
Size D Rs. 6000/- Rs. 20000/-
Size E Rs. 7000/- Rs. 25000/-
Size F Rs. 8000/- Rs. 25000/-
16 EBANKING Breakage Actual Cost
Annual Charges Free
Reset/Password regeneration Rs. 100/-
Mobile No. Modification/linking new account Rs. 100/-
17 MBANKING Subscription Free
SMS Rs. 200/- (subscription charge)
Rs. 200/- (annual charge)
Mobile No. Modification/linking new account Free
Repin generation Free
18 ASBA/CASBA Rs. 20/- 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 COMMUNICATION CHARGES
20.1 SWIFT Domestic Rs. 500/-
International Rs. 900/-
20.2 COURIER CHARGES Domestic Rs. 100/-
India Rs. 200/-
Other SAARC countries Rs. 500/-
Other Countries Rs. 1500/-
20.3 POSTAL CHARGES Domestic Same as courier charge except for postal charges for domestic which shall be Rs. 50/-.
India
Other SAARC countries
Other Countries