Account Closure NRS 1000 if closed within a year; NRS 500 if closed after one year Balance Confirmation Fee NRS 1,000 for new accounts; NRS 500 for accounts older than one year. Statement of Accounts (on demand) NRS 250 (Older than 6 months NRS 500) (Not applicable if not taken earlier) Returned Cheque NRS 300 Good for Payment NRS 200 Cancellation of Good for Payment NRS 200 Stop Payment NRS 300 Copy Document NRS 300 NRS 750 for older than 6 months Standing Instruction NRS 200 Per request Withdrawal Slip for Savings Account NRS 25
(to be deducted at the time of payment but incase has to be issued because of Bank fault, not to be charged) Cheque book issued against lost cheque book NRS 150 Certificate issued to the customer (Other than Balance Confirmation Certificate) NRS 250
2. Locker Charges Yearly Charges NRS 800-2,500 (Depending upon the locker size and location of the Branches) Account lien NRS 5,000 (for outside valley branches) NRS 10,000 (for inside valley branches)
3. Payment of Cheques/Deposits in any form under Anywhere Banking Service A. NRS 150 or 0.05% whichever is higher. B. ABBS charges not applicable for the inter branch transactions upto NPR 200,000 per day for deposit & withdrawal each carried out between: 1. Birtamod, Khandbari, Urlabari, Itahari and Biratnagar representing Eastern Development Region. 2. Sankhu, Panauti and all inside valley branches representing Central Development region 3. Janakpur, Amlekhgunj, Hetauda, Birgunj & Narayanghat representing Central Development region 4. Pokhara, Khairenitar, Baglung and Beni representing Western Devlopment Region 5. Butwal, Sandhikharka and Tamghas represnting Western Devlopment region 6. Dang, Tulsipur, Kohalpur, Nepalgunj, Guleriya, Surkhet representing Mid western Devlopment Region 7. Dhangadi, Attariya, Tikapur, Dadeldhura represnting Far western region
C. No ABBS charges amongst Kathmandu Valley branches and amongst the branches of same districts. D. ABBS charges not applicable for the inter branch transactions carried out between: 1. Itahari, Biratnagar & Urlabari. 2. Amlekhgunj & Birgunj 3. Amlekhgunj & Hetauda 4. Cheques/Clearing Cheques Special Clearing Inward : NRS 500 Outward : NRS 1,000 Local Clearing Cheques No Charge Local Outstation Cheque (Collection) NRS 350.00 Flat (NEA/NTC/RBS/NOC free of charge) Local Outstation Cheque/Draft (Purchase) 0.5% (covering upto 7 days) 1% (covering upto 14 days) FCY Cheque/Draft: Purchase 0.5% (covering upto 7 days) 1% (covering upto 14 days) Collection NRS 1,250 or 0.125% whichever is higher FCY Cheque/Draft Payable locally: Purchase 0.5% (covering upto 7 days) 1% (covering upto 14 days) Collection NRS 200 or 0.125% whichever is higer Indian Rupees Bills/Cheque Purchase: Purchase 0.5% (covering upto 7 days) 1% (covering upto 14 days) Collection NRS 200 or 0.125% whichever is higher and Postage Charge Returned Cheque (Inward Clearing) NRS 300 Returned Cheque (Outward Clearing) NRS 50 Returned Cheque (Counter) NRS 100 Inward Collection: Communication Chg. - Courier NRS 250 Commission NRS 200 Outward Collection Communication Chg. - Courier NRS 250 Commission NRS 100 or 0.125% whichever is higher 5. Fees and charges for Bill Payment
Bill Payment (without Receipt) No charge Bill Payment with Receipt Collection from NRS. 5/Phone bill the Bank Counter Bill Payment with Receipt Collection from prescribed 'Point-of-collection' NRS. 10/Phone bill Bill Payment with Home Delivery of Receipts within prescribed locations NRS. 15/Phone bill (Incase of more than one phone bill, Rs. 5 for each additional phone bill) Registration (Initial) Fee N.A. (Free) Re-Registration NRS 50 for each time 3rd Party Service Provider NRS 5/Phone Line Charges/Commission/Fees/Others 6. Remittance Cash Management 0.10% Cheque Return under Cash management NRS 240 + Corresponding Banking Charge Travellers Cheques: Sale Commission For Student : NPR100 or 0.75% whichever is higher
For account holder : NPR100 or 1% whichever is higher For non-account holder : NPR100 or 1.5% whichever is higher Encashment For account holder of BOK: 0.75% For non-account holder of BOK: 1% Purchase For Money Changers/Travel Agent: 0.50% For Others: 1% USD/Other FCY Cash Deposit in USD/Other FCY Account Nil (For 50 and above Denomination) 0.5% (For Denomination Less than 50) Refund of Inward Remittance USD 10 (or eqv.) for amount up to USD 500 (or eqv.)
Inward Remittance - Inter-bank Payment NRS 1000 or 0.125% whichever is higher Inward Remittance Charge Account holder - NIL Non-account holder (Remitting Agency Customer) - NIL Non-account holder (Other than Remitting Agency Customer) - NRS 500 Inward Remittance Charge through Local Bank, outside KTM Valley NRS 200 Communication Chg.- SWIFT charge for correspondence on behalf of the customer NRS 200 + other charges as applicable (including correspondent banks charge) Outward Remittance (Swift): SWIFT Charge-India and Elsewhere (a) Student Rs. 500 (b) Other Rs. 700 SWIFT Charge-Within Nepal NRS 300 Commission -NRS 200 or 0.25% whichever is higher -For Students NRS 200 or 0.15% whichever is higher -For Tibet/Khasa trade - NRS 200 or 0.05% whichever is higher Draft Sale -NRS 200 or 0.25% whichever is higher -For Students NRS 200 or 0.15% whichever is higher -For Tibet/Khasa trade - NRS 200 or 0.05% whichever is higher Draft Purchase (Local) 0.5% (covering upto 7 days) 1% (covering upto 14 days) Stop payment for lost draft other than LCY Rs. 500 + other charges as applicable (including correspondent banks charge) Draft cancellation against original draft LCY: NRS 100 INR : NRS 150 FCY: NRS 250 Outward Remittance through Online Software/Fax Transfer to BOK branches (Pay on ID) NRS 150 or 0.05% whichever is higher Outward Remittance through Online Software/Tested Fax Transfer/Pay Order/Draft to Nepalese Commercial Banks and Financial Institutions/Agents (where BOK has arrangement) NRS 200 or 0.10% whichever is higher Managers' Cheque/Gift Cheque NRS 250
B. General - Courier and Postage Charges : Charges/Commission/Fees/Others Communication Chg.- Courier All countries except India NRS 1500 India NRS 1000 Communication Chg.- Postage Within Nepal NRS 20 India NRS 50 Abroad NRS 250
C. Credit Services : Charges/Commission/Fees/Others Head Office and Branches within valley Documentation Fee: New Case Within Valley NRS 5,000 Outside Valley NRS 7,500 Amendment in Tamsuk (Deed): Within Valley NRS 3,000 Outside valley NRS 5,000
Outside Valley Branches Documentation Fee: New Case Within city NRS 3,000 Outside City NRS 5,000 Amendment in Tamsuk (Deed): Within city NRS 1,000 Outside city NRS 3,000
Security Documentation Fee - Retail Education Loan NRS 3,000 Other Retail Loan : For exposure up to NPR 1 Mio. NRS 3,000.00 For exposure from NPR 1 Mio. to 2.5 Mio. NRS 5,000.00 For exposure from NPR 2.5 Mio. to NPR 5 Mio. NRS 7,500.00 For exposure over NPR 5 Mio. NRS 10,000.00
D. Loan Processing/Management Fees and Other Fees/Charges : Charges/Commission/Fees/Others
Loan Processing/Management Fees
Consumer Loans :
Small Commercial Vehicles 0.50%
Large Commercial Vehicles NPR 5,000 per unit
Small Private Vehicles 1%
Large Private Vehicles 1%
Refinancing Private Vehicles 1%
Education 1%
Car 4 U 1%
Car 4 U- Refinancing 1%
Housing 1%
Personal 1%
Solar Financing NPR 2,000.00 per unit (To be increased to 1%)
Apartment Financing 1%
Other Consumer Loans 1%
Small Business Finance (SBF) 1% (Minimum NRS 7,500.00)
Other than SBF & Consumer Loan 1%
Temporary Credit Facility Requests 1%
Loan Commitment Fees -Unutilized Overdraft (other than SBF)-1% p.a on monthly basis -Loan Commitment Fee - SBF -For exposure up to NPR 2.5 Mio.-NRS 5,000 -For exposure from NPR 2.5 Mio. to 5 Mio.-NRS 7,500 -For exposure over NPR 5 Mio.-NRS 10,000 -Business Bank loans other than SBF & cash backed loans - NRS 10,000 or as per Credit Approval terms -SBF Prepayment- 2% if paid fully by transferring to other FIs -Retail Prepayment- 0.5% p.a. (for remaining period) within 1 year and after 1 year 1% flat on pre-paid amount
CIB charges (for no transaction) NPR 250
CIB charges (for transaction) NPR 550
E. International Trade :
Charges/Commission/Fees/Others
1. Import Letters of Credit LC Opening Commission: Industry 0.15% pq or min NRS 1,000 Trading 0.24% pq or min. NRS 1,000
Revolving L/C: Opening Commission Same as LC opening commission Subsequent reinstate Same as LC opening commission Amendment Commission: General (other than amount increase and NRS 500 expiry date extension) For amount increase and/or expiry date extension Same as LC opening commission Retirement of Collection Docs (not received under LC) 0.125% or min NRS 1000 Discrepancy Fee - India and Abroad USD 75 or INR 3,000 Discrepancy Fee - Local NRS 1,500 Import Bills Charges NRS 500 per bill Communication Chg. - Swift
LC Opening NRS 1,500 Others NRS 500 LC Cancellation NRS 500 + swift IB Usance LC acceptance fee Same as LC opening commission Beneficiary Report As per D&B schedule of charges Beneficiary report from Correspondent Bank NRS 500 + correspondent banks charge LC settlement through own FCY Account NRS 0.10 per USD (For other FCY, convert to equivalent USD) Force IB Settlement NRS 1,000 2. Export Letters of Credit LC/Amendment advising charge NRS 3,000 flat. Negotiation Commission (Clean Dox) - Sight Bill 0.55% or min NRS 1,000 (for 15 days) Negotiation Commission (Discrepant Dox) - Sight Bill 0.60% or min NRS 1,000 (for 15 days) Negotiation Commission & Interest on Usance Bill - Clean Bill with pre-determined date: Commission 0.125% or min NRS 1,000 + interest- Descrepant Bill with pre-determined date: (for number of days outstanding)
- Commission 0.175% or min NRS 1,000 + interest- Clean Bill without pre-determined date: Commission 0.55% or min NRS 1,000 + interest- Descrepant Bill without pre-determined date: - Commission 0.60% or min NRS 1,000 + interest LC transfer fully or partially NRS 1,000 Documents under Collection Basis 0.125% or min NRS 1,000 CAD Certificates NRS 500 Documents return NRS 1,000 + interest from 16th day of negotiation 3. Bank Guarantee Local: Opening Commission - all types of BGs 0.375% pq or prt thereof or min NRS 1,000
Amendment Commission: General (other than amount increase and expiry date extension) NRS 500 flat For amount increase and/or expiry date extension Same as opening commission Telex/Swift Charges (BG Opening) NRS 1,500 Guarantee Claim Handling NRS 1,000 International: Opening Commission for all types of BGs 0.375% pq or part thereof or min USD 100.00 plus USD 100.00 handling charges Amendment Commission: General USD 100 flat For amount enhancement and/or expiry date extension Same as opening commission
F. Card : Charges/Commission/Fees/Others Existing Charges/Remarks 1. Visa Domestic Debit Card Card Fees : Annual Fee NRS 250 Replacement Fee NRS 150 Re-issuance Fee NRS 150 Pin regeneration Fee NRS 100 Transaction Fees : ATM Cash Withdrawal On BOK ATM Nil ATM Cash Withdrawal other ATMs (in Nepal) NRS 150 or 0.5% of transaction amount
ATM Cash Withdrawal other ATMs (in India) NRS 250 or 0.5% of transaction amount
BOK VISA Debit card on HBL ATM NRS 20 per transaction New ATM Cash Withdrawal Partners NRS 30 on SCT and 15 on HBL Balance enquiry On BOK ATM Nil Balance enquiry other ATMs NRS 50 Balance enquiry Partners NRS 10 on SCT and 5 on HBL Manual Cash On-Us Nil Manual Cash Off-Us NRS 200 or 2% of transaction amount
Manual Cash BOK Agents NRS 50 or 1% of transaction amount
Transaction Fees : Cash Withdrawal On Us NRS 100 Cash Withdrawal Off Us 100+1.5% of txn amount Balance Enquiry On Us - Balance Enquiry Off Us NRS 50 Cash Withdrawal Off Us NRS 150+1.5% of txn amount NRS 100+1.5% of txn amount Interest : First cycle (Normal Due) 24% p.a. Second Cycle (Overdue) 27% p.a. Third Cycle (Overdue) 30% p.a.
3. BOK SCT Debit Card Subscription Fee NRS 500.00 (One time for 2 years validity)
Re-issuance Fee NRS 500.00 (New Validity of 2 years)
Pin regeneration Fee NRS 45.00 ATM Cash Withdrawal on BOK ATM NIL Balance Enquiry on BOK ATM NIL ATM Cash Withdrawal SCT Network NRS 25.00 Balance Enquiry SCT Networks NRS 3.00
4. BOK Online Payment through Card
Up to USD 1,000 NRS 500 > USD 1,000 to USD 3,000 NRS 1,000 > USD 3,000 NRS 1,500
5. Merchant Charges [POS] 3 Star and above category Hotels 3.00% Prime Departmental Store 3.00% Other Hotels and Tour/Trek Operator 3.50% Electronics/Jewellery 3.50% Others 3.75%
Ace Development Bank Ltd
S.No. Particular New Charges 1 Account Closure Charges 1.1 Saving Account NPR 500.00 1.2 Current Account NPR 500.00 (free for loan customers account after settlement the loan) 1.3 Foreign Currency Saving & Current Account Rs 500.00 equivalent in FCY 1.4 A/c closed for opening another account with in ACE Free
(Also include a/c closed in one branch and opening of another branch) 2 FCY Cash Deposit in FCY Account 2.1 (less than 50 denominition 0.50% (as per NRB ) 2.2 FCY Cash Purchase/Sale Free 2.3 INR Cash sale Purchase Free 3 Safe Deposit Locker 3.1 All SDL Customer (except staff) are required to maintain a security deposit as per the offered locker The security deposit is refundable at the time of closure of the locker 3.2 Security Deposit/ Charges for lockers
Locker Type Locker Size (inches) Security Deposit Height Widh Depth
A1 6 8 22 Rs. 7,000.00 Rs.2000
B1 6 8 22 Rs. 7,000.00 Rs. 2000
B2 6 16 22 Rs. 8,000.00 Rs. 4000
B3 12 16 22 Rs. 10,000.00 Rs. 6000
B4 12 8 22 Rs. 8,000.00 Rs. 5000
C1 11 21 22 Rs. 10,000.00 Rs. 7500 D1 7 10 21.60 Rs. 7,000.00 Rs. 3000 D2 7 20 21.60 Rs. 8,000.00 Rs. 5000 D3 14 20 21.60 Rs. 10,000.00 Rs.7500 E1 6 8 22 Rs. 7,000.00 Rs.2000 E2 6 16 22 Rs. 8,000.00 Rs.4000 E3 12 16 22 Rs. 10,000.00 Rs.6000 E4 12 8 22 Rs. 8,000.00 Rs. 4000 F1 11 21 22 Rs. 10,000.00 Rs.7500 G1 11 21 22 Rs. 10,000.00 Rs.7500 H1 7 10 21.6 Rs. 7,000.00 Rs.3000 H2 7 20 21.6 Rs. 8,000.00 Rs.5000 H3 14 20 21.6 Rs. 10,000.00 Rs.7500 3.3 Locker break charges due to loss of key or any other reason at end of the customer Rs.4,000 or actual cost incured for replacing new lock whichever is higher. 3.4 Locker closure before expiry or requsting for change of existing locker Flat Rs. 500 4 Cheque Book 4.1 Cheque Book issuance (in same Branch) Free 4.2 Cheque Book issuance (in other Branch ) NPR. 250.00 Flat 4.3 Uncollected cheque book destruction charges * NPR 250 Flat 4.4 New cheque book issuance against lost cheque book NPR 250.00 cheque book of upto 25 leaves NPR 350 for above 25 leaves Note: *Cheque books are kept for collection up to 180 days and if not collected by then are to be destroyed and thereafter NPR 250.00 shall be charged to the Customer 5 Account statement and Ledger Fees 5.1 Statement request more than 6 months For the statement upto 1 year Rs.100 and for the statement exceedig the period of 1 year Rs.300 5.2 Statement by courier Rs. 250.00 flat 5.3 Statement By fax Rs. 50.00 per page with in nepal 6 Duplicate Customer Dr/Cr Advice and Record Retrieval 6.1 with in six months of transaction Free 6.2 Over six months to one year Free 6.3 After One year up to 2 Years Rs. 250.00 flat 6.4 After Two Years Rs. 500.00 flat 7 FD pre-mature Liquidation charges 7.1 Terminating the existing FD on the request of customer before the maturity As per Management decision/ case to case basis 8 Debit Card 8.1 New ATM card issuance charges Free 8.2 Annual Charges NPR 200.00 (To collect it before issuing the card and at the beginning of 2nd year of use of the card Rs.200 should be collected for the use of the card until it expires ) 8.3 Request for ATM card block Free 8.4 Replacement card NPR 200.00 flat 8.5 New PIN generation NPR 100.00 flat 8.6 Visa Debit Supplementry Card issuance NPR 200.00 flat 8.7 Cash withdrwal fees ACE ATM Nill 8.8 Visa Debit Card Record retrieval Charges (with in 6 months NPR 250.00 flat 8.9 Cash withdrawal fees HBL ATM NPR 10.00 per transaction 8.1 0 Cash withdrwal charges from other bank ATM in Nepal and India NPR 250.00 per transaction 8.11 Uncollected ATM Card * NPR 150.00 Note: * ATM PINs and Cards are kept for collection up to 90 days after cards received from HBL, if not collected by then are to be destroyed and thereafter NPR 150.00 shall be charged to the Customer account 9 Remittance (Fund received from abroad) / Inward Remittance 9.1 Transfer to another bank (beneficiary is other bank customer) 0.25 % or Minimum Rs. 500.00 whichever is higher 9.2 Follow up telex/ swift charges on remitance at customer's request NPR 500 plus enquiry charges as per charges levy to us by Nostro if any 10 Nostro Cover Refund (In case of Swift) 10.1 Refund of inward payment and Nostro cover USD 10.00 or equivalent + communication charges and charges levy to us by Nostro if any 11 Local Interbank Transfer 11.1 If the beneficiary is a Bank (request by Bank ) Free 11.2 If the beneficiary is a Bank (request by customer) 0.25% of amount transfered or Rs. 500.00 whichever is higher 12 Travellers Cheques 12.1 Travellers Cheques Issuance 0.75% Minimum NPR 200.00 whichever is higher 13 Travelers Cheques encashment 13.1 Customer NPR 500.00 or 0.50% whichever is higher 13.2 Non Customer NPR 500.00 or 0.75 % whichever is higher 13.3 T/Cs purchased over our Counter and subsequently refund NPR 300.00 or 0.25% whichever is higher 14 Cheque/ Draft Purchase (out side Nepal) 14.1 Cheque/Draft/TC Purchaased (Subject to limit /Approval ) 1% p.a from the date of purchase or min Rs. 550.00 whichever is higher 14.2 Cheque / Draft / TC Purchased returned 15% p.a from the date of purchase or Rs 500.00 which ever is higher (from the date of cheques purchased) 15 Local Bank cheque collection/ Purchase 15.1 Local Clearing Free 15.2 Out side valley local Bank cheque collection ( which cannot be cleared throough ECC) NPR 250.00 plus other bank charges and communication charges 15.3 Local clearing cheque Purchase 0.15% or minimum Rs 500.00 whichever is higher 16 Cheque/DD/ TC collection Outwards (Outside Nepal) 16.1 Cheque/dd collection Outwards (Outside Nepal) 0.25% or min Rs. 500.00 whichever is higher plus postage charges if any 16.2 Cheque collection outwards returned NPR 500.00 Flat 17 Inter Branch Fax Transfer 17.1 IB fax transfer ( By customer to non customer) NPR 250.00 or min 0.10% whichever is higher 17.2 IB fax transfer ( Both side non Customer) NPR 300.00 or min 0.10% whichever is higher 18 Draft -INR 18.1 Draft INR ( Customer ) NPR 350 or 0.25 % whichever is higher 18.2 Draft INR ( Non Customer ) NPR 500 or 0.25 % whichever is higher 19 Draft- FCY (Other than INR) 19.1 Draft FCY (Customer ) 0.1% or minimum NPR 300 19.2 Draft FCY (Non Customer ) 0.2% or minimum NPR 400 Note: If the DD is issued in favour of educational institution abroad , further 1% education service tax to be leived on total education fees. 20 Manager Cheques Issuance 20.1 Managers Cheque issued for Loan Disburshment and payment to the vendor Free 20.2 Manager Cheque issuance to Customer NPR 200 Flat 20.3 Manager Cheque issuance to Non Customer NPR 200 Flat 21 Swift Transfer 21.1 Swift Transfer -Customer NPR 300.00 or 0.2% whichever is higher plus NPR 500.00 swift charge 21.2 Swift Transfer -Non Customer NPR 300.00 or 0.2% whichever is higher plus NPR 500.00 swift charge Note: 1. If the Swift is issued in favour of educational institution abroad , further 1% education service tax to be leived on total tution fees. 22 DD/ Swift/Manager cheque cancellation charges 22.1 DD cancelation charges NPR 250 Plus swift charges of Rs.500 if applicable.(Note-charges imposed by the nostro banks abroad for cancellation should be additionally recovered from the customer. 22.2 Swift cancelation charges NPR 250 Plus swift charges of Rs.500 if applicable.(Note-charges imposed by the nostro banks abroad for cancellation charges should be recovered from the customer 22.3 Manager cheque cancelation charges NPR 100.00 flat 23 Stop Payment chages 23.1 Stop Payment charges NPR 250.00 flat (Plus swift charge of Rs 500 or other communication chages as per actual, if applicable) 24 National Saving Bond purchased from customer 24.1 When we purchase NSB from customers As per the charges recommended by NRB 25 Other service Charges 25.1 NRB and other bank cheque issuance charge (if requested by Bank/Financial Institutation/Credit Customer) Free 25.2 NRB and other bank cheque issuance charge (If Request by others) NPR 200.00 flat 25.3 NRB and other bank cheque cancellation charges NPR 200.00 flat 25.4 Standing Instruction (if requested by staff ) Free 25.5 Good for payment cheque issuance charges NPR 300.00 flat 25.6 Cheque returned charges (inward clearing and inhouse cheques un paid 'refer to drawer' NPR 200.00 flat 25.7 Cash withdrawal charges from counter slip (same Branch customer ) free 25.8 Cash withdrawal charges from counter slip ( inter Branch Customer) NPR 100.00 flat 25.9 Issuance of Balance Confirmation Certificate -Instutuitons on Half yearly basis (twice a year only) Free 25.1 0 Issuance of Balance Confirmation Certificate (for other) NPR 300 26 SPECIAL CLEARING (Express Cheque)
Out ward NPR 250 flat 27 Advance Payment Certificate
Advance Payment Certificate charges Free 28 Air Frieght Permit
Air Frieght Permit Charges NPR 250.00 flat 29 Courier Charges
29.1 Nepal As per actual 29.2 India As per actual 29.3 USA/Canada/ Brazil As per actual 29.4 Other Countries As per actual 30 Remittance
30.1 Outward /Inward remittance sending through other Remitance Companies associated with us Charge as per their tarrif
Clean energy dev elopement bank Interest Rates on Deposits
Types of Loan and Advances Prime(% PA) General (% PA) HYDROPOWER Hydropower- Project Finance 11.00 13.00 Hydropower- Others 10.50 12.50 Micro Hydropower 12.00 14.50 OTHER CLEAN ENERGY/MICROFINANCE Solar Loan (Entrepreneurs) 11.00 13.50 Solar Loan (Individual/ End users) 12.50 14.00 Clean Energy Loan (Biogas, Wind) 11.50 14.00 Clean Transport Loan 13.00 15.00 Energy Efficiency Loan 11.0 13.00 Other Grid Connected Projects 11.50 14.00 Microfinance Loan (Institutional) 7.00 13.00 Microfinance Loan (General) 11.50 14.00 COMMERCIAL / RETAIL / OTHERS Term Loan 12.00 14.50 Overdraft 11.50 14.50 Short Term/ WC Loan 11.50 14.50 Demand Loan 11.50 14.50 Corporate/ Multinational 10.50 Personal Loan (Terminating) 12.50 14.50 Personal Loan (Revolving) 13.00 14.50 Real Estate Loan 13.00 14.50 Loan against Shares 11.50 14.00 Hire Purchase (commercial) 11.50 14.00 Auto Loan (personal) 11.00 13.00 Housing Loan 11.00 14.00 Education Loan 10.00 15.00 Foreign Employment Loan 12.00 15.50 Loan against Government Bonds 11.00 13.00 Loan against FDR +2.00 Other Loan 14.00 16.00 Clean Academic Loan 10.00 Clean Mero Pahilo Pyaro (MP2 ) Home Loan 10.00 Clean Contractor Loan 10.00 Women Entrepreneur Loan 10.00 Young Entrepreneur Loan 10.00 Consortium Finance As per consortium decision
Credit Charges
LOAN SERVICE CHARGES Existing Proposed Remarks 1 Processing Fee for New Loan 0.25% - 1.50% p.a. NA On Loan Amount 2 Annual Review Fee - Retail/ SME/ Micro 2,500.00 15,000.00 NA Corporate/ Consortium Up to 0.25% NA 3 Administrative Service Fee (New Loan) 1% On un-drawn Amount 4 Administrative Service Fee (Existing Loan) 1% 5 Commitment Fee 1 - 3% 6 Issuance of Credit Line Letter 1,000 2,500 1,000 2,500 Per Letter 7 CIB & Credit Information
on actual basis to be recovered from borrower's account 8 credit report to other institution 500 - 1,000 500 - 1,000 Per Release 9 Temporary Excess of Credit Limit 0.10 0.25% 0.10 0.25% On Excess amount 10 Letter of Intent (LOI) 5,000 25,000 5,000 25,000 Per LOI
GUARANTEES Existing Proposed 1 Bank Guarantee 0.25% - 0.50% p.q. 0.25% - 0.50% p.q. Or Minimum NPR 1,000.00 (p.q.) 2 Guarantee Claim Handling Charge 1,000 2,500 1,000 2,500 Flat + Other Charges, if any 3 Guarantee Amendment Charge
- Amendment in Value and/or Time Same as G'tee Issuance Same as G'tee Issuance
- Other Amendments 500 1,000 500 1,000 Per Amendment 4 Guarantee Cancellation Charge 500 1,000 500 1,000 Flat 5 Administration Charge 500 1,000 500 1,000 Per Guarantee Letter issued
Idbl Interest Rate
Rate of Interest With effective from 19th Chaitra, 2070 Deposits Savings Deposits: Interest Rate On Daily Balance Minimum Balance(NPR)
International Savings Deposit 3.00% p.a. NIL
International Savings Plus 3.00% p.a. NPR 500.00
Didi Bahini Jatan Kosh 3.00% p.a. NPR 500.00
Paluwa Bachat Khata 3.00% p.a. NPR 500.00
International Samman Savings 3.00% p.a. NPR 500.00
International Investor's Account 3.00% p.a. NPR 500.00
International Salary Management Account 3.00% p.a. NIL