Fees and Services
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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
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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
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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 |
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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, |
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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/- | |||
14.5 | 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. 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 |