मानक शुल्क
1. Customer Services
Headings |
Pricing |
NRB/NBL/RBB/MC Cheque issuance |
Account holder : NPR 250.00 per cheque Non-account holder : NPR: 500.00 For BFI’s : Free Loan disbursement : NPR 250.00 Vendor payment : Free Cancellation charges: NPR 250.00 (shall be waived where initial charge has not been obtained and shall be levied to customers who have been levied initially.) |
Stop Payments/Standing Instruction Execution |
Free |
Cheques certified “Good for Payment” |
Free |
Good for Payment Cancellation |
NPR 500.00 per cheque for borrowers and others |
Cheque returned unpaid with reasons other than refers to drawer/ Insufficient Balance |
Free |
Cheque returned unpaid with reasons refers to drawer/ Insufficient balance over the counter only |
NPR 500 per cheque to be charged in the account of drawer subject to available balance. |
Issuance of Balance Certificate Below 3 months of Account Opening Date |
Free |
Issuance of Balance Certificate More than 3 months of Account Opening Date |
Free |
Issuance of Balance Certificate Year-end Balance once a year (for audit certification purpose) |
Free |
Issuance of Balance Certificate Quarterly for BFIs (one time each quarter) |
Free |
Issuance of Balance Certificate per extra original copy |
NPR 500.00 |
Account Closing/ Account Class Close and Transfer |
Free |
Account Class Transfer | NPR 200 |
FCY cash deposit into FCY account |
0.5% for FCY denomination less than 50 or as per prevailing NRB Circular |
Re-issuance of lost cheque book/ lost requisition slip |
NPR 250.00 (flat) Cheque book of only 9 leaves to be provided in case of re-issuance under lost/ destroyed as well as in case of lost requisition slip. Stop payment charge need not be taken in case of lost/destroyed cheque book |
Destruction of undelivered Cheque Book/ ATM Cards |
NPR 250 per cheque book NPR 250 per card for Domestic card $2 per card for International card |
Safe deposit lockers |
Security Deposit: NPR 10,000.00 for all sizes except 13x10.5 and 12x16. Security Deposit for Locker size 13x10.5 and 12x16 is 20,000. (Security Deposit shall be refundable at the time of surrender of SDL and the key by the customer for all sizes) 6*4.5 NPR 2,000.00 6*7.5 NPR 2,500.00 6*8 NPR 2,500.00 13*4.5 NPR 3,000.00 12*8 NPR 3,500.00 6*16 NPR 3,500.00 13*10.5 NPR 4,500.00 12*16 NPR 5,000.00 |
Breaking of lockers (if customer loses keys) |
NPR 2,000.00 plus actual cost |
Record Retrieval |
Within six months of transaction: Free Over 6 months to 1-year: NPR 100 After 1-year NPR: 500 |
Miscellaneous Letter issued upon the request of customers (Eg: Account Confirmation Letter, Account Details letter, etc.) |
NPR 500 |
E-Banking |
Internet Banking : Free Annual Fee : Free New PIN request for lost PIN : Free For all staff members : Free |
Mobile Banking |
NPR 250 per annum applied to all account holders. For all staff members including support staffs: Free |
Withdrawal Slip |
NPR 100.00 |
Account Statement | Not Applicable |
2. Cards & Alternate Channel Service Fees:
Mentioned here below are the charges related to Card issuance, Card Maintenance and personalization.
MEGA CREDIT CARD SERVICE FEES |
Visa Credit Card Local |
Visa Credit Card Local Staff |
Visa Credit Card Intl |
Visa Credit Card Intl Staff |
1st Year Charge (Joining Fee + 1st year installment) |
1500 |
340 |
$20 |
$3 |
Yearly Installment |
750 |
Nil |
$10 |
Nil |
Annual Fee |
Nil |
Nil |
Nil |
Nil |
Supplementary Fee |
750 |
340 |
$25 |
$3 |
Replacement Fee |
500 |
340 |
$10 |
$3 |
Re-issuance Fee |
500 |
340 |
$10 |
$3 |
Card Unblocking Fee |
150 |
Nil |
$2 |
Nil |
PIN Regeneration Fee |
150 |
50 |
$2 |
$0.50 |
Late Payment Fee |
300 |
Nil |
$5 |
Nil |
Over Limit Fee |
500 |
Nil |
$10 |
Nil |
Limit Enhancement Fee Permanent |
750 |
Nil |
$15 |
Nil |
Limit Enhancement Fee Temporary |
500 |
Nil |
$10 |
Nil |
Service Charge (Interest) |
2% per month |
COF |
2% per month |
COF |
Statement Reprint Fee |
100 |
Nil |
$2 |
Nil |
Card Destruction Fee |
250 |
Nil |
$2 |
Nil |
Retrieval Request Fee |
300 |
Nil |
$5 |
Nil |
Chargeback Handling Fee * |
500 |
Nil |
$5 |
Nil |
Arbitration/Compliance Processing Fee |
As Per Visa |
As Per Visa |
As Per Visa |
As Per Visa |
eCom Activation/Registration Fee |
200 |
Nil |
$3 |
Nil |
eCom Yearly Maintenace Fee |
200 |
Nil |
$3 |
Nil |
CARD EXPIRY PERIOD : 3 YEARS |
||||
MEGA VISA CREDIT CARD TRANSACTION FEES |
Visa Credit Card Local |
Visa Credit Card Local Staff |
Visa Credit Card Intl |
Visa Credit Card Intl Staff |
Card Withdrawal from Own ATM/Branch |
100+2% of withdrawn amount |
Nil |
N/A |
N/A |
Balance Inquiry from Own ATM |
Nil |
Nil |
Nil |
Nil |
PIN Change from Own Bank |
Nil |
Nil |
Nil |
Nil |
Cash Withdrawal from NPN Group Bank ATM/Branch |
200+2% of withdrawn amount |
50 |
N/A |
N/A |
Balance Inquiry from NPN Group Bank |
50 |
10 |
N/A |
N/A |
Cash Withdrawal from other Visa ATM |
200+2% of withdrawn amount |
50 |
$5.00 |
Nil |
Cash Withdrawal from Other Visa ATM India |
200+2% of withdrawn amount |
50 |
N/A |
N/A |
Balance Inquiry from Visa ATM |
50 |
10 |
$2.00 |
Nil |
eCom Per Transaction Fee: |
Nil |
Nil |
$3 (transaction amount above $10) |
Nil |
INSTABUY Processing Fee: |
1% or NRS 1,000.00 whichever is higher. |
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Mega Debit/Instant/Prepaid Card Domestic Service Fee |
Visa Debit Local |
Visa Debit Local Staff |
Visa Prepaid/Instant Card Local |
Visa Prepaid/Instant Card Local (Staff) |
Joining Fee |
1500 |
Nil |
1500 |
Nil |
Joining Fee (Yearly Installment) |
550 |
Nil |
550 |
Nil |
Annual Fee |
Nil |
Nil |
Nil |
Nil |
Supplementary Fee |
550 |
Nil |
550 |
Nil |
Replacement Fee |
550 |
Nil |
550 |
Nil |
Re-issuance Fee |
550 |
Nil |
550 |
Nil |
Card Unblocking Fee |
100 |
Nil |
100 |
Nil |
Pin Regeneration Fee |
100 |
Nil |
100 |
Nil |
Card Destruction Fee |
250 |
Nil |
250 |
Nil |
Retrieval Request Fee |
300 |
Nil |
300 |
Nil |
Charge Back Handling Fee * |
500 |
Nil |
500 |
Nil |
Arbitration/Compliance Processing Fee |
As Per Visa |
As Per Visa |
As Per Visa |
As Per Visa |
eCom Activation/Registration Fee |
200 |
Nil |
200 |
Nil |
eCom Yearly Maintenance Fee |
200 |
Nil |
200 |
Nil |
Mega Debit/Instant/Prepaid Card Domestic TRANSACTION FEES |
Visa Debit Local |
Visa Debit Local Staff |
Visa Prepaid/Instant Card Local |
Visa Prepaid/Instant Local Staff |
Cash withdrawal from Own ATM/Branch |
Nil |
Nil |
Nil |
Nil |
Balance Inquiry from Own ATM |
Nil |
Nil |
Nil |
Nil |
Pin change from Own Bank |
Nil |
Nil |
Nil |
Nil |
Mini Statement from Own Bank |
Nil |
Nil |
Nil |
Nil |
Cash withdrawal from BFI’s ATMs other than MBNL |
First 2 Transactions per Month- Free Then NPR 20/- per transaction |
First 2 Transactions per Month- Free Then NPR 20/- per transaction |
First 2 Transactions per Month- Free Then NPR 20/- per transaction |
First 2 Transactions per Month- Free Then NPR 20/- per transaction |
Cash withdrawal from another Visa ATM India |
250 |
250 |
250 |
250 |
Balance Inquiry from other Visa ATM India |
50 |
50 |
50 |
50 |
Balance Inquiry from BFI’s ATMs other than MBNL |
20 |
20 |
20 |
20 |
Mega Debit Card/Travel Card International |
||||
MEGA CARD SERVICE FEES |
Visa Debit Intl Card Normal |
Visa Debit Intl Staff |
Travel Card Normal |
Travel Card Staff |
Joining Fee (One Time Charge) |
$30.00 |
Nil |
$10.00 |
Nil |
Joining Fee (Yearly Installment) |
$10.00 |
Nil |
Nil |
|
Annual Fee |
Nil |
Nil |
Nil |
Nil |
Supplementary Fee |
$10.00 |
Nil |
Nil |
|
Replacement Fee |
$10.00 |
Nil |
$10.00 |
Nil |
Re-issuance Fee |
$10.00 |
Nil |
$10.00 |
Nil |
Card Unblocking Fee |
$1.00 |
Nil |
$1.00 |
- |
Pin Regeneration Fee |
$2.00 |
Nil |
$2.00 |
Nil |
Card Destruction Fee |
$2.50 |
Nil |
Nil |
Nil |
Retrieval Request Fee |
$5.00 |
Nil |
$5.00 |
Nil |
Chargeback Handling Fee * |
$5.00 |
Nil |
$5.00 |
Nil |
Arbitration/Compliance Processing Fee |
As per Visa |
As Per Visa |
As Per Visa |
As Per Visa |
eCom Activation/Registration Fee |
$3 |
Nil |
$3 |
Nil |
eCom Yearly Maintenance Fee |
$3 |
Nil |
$3 |
Nil |
Mega Debit Card/Travel Card International |
||||
TRANSACTION FEES |
Visa Debit Intl Card Normal |
Visa Debit Intl Staff |
Travel Card Normal |
Travel Card Staff |
Balance Inquiry from Own ATM |
Nil |
Nil |
Nil |
Nil |
Pin change from Own Bank |
Nil |
Nil |
Nil |
Nil |
Mini Statement from Own Bank |
Nil |
Nil |
Nil |
Nil |
Cash withdrawal from Visa ATM outside Nepal and India |
$5.00 |
$5.00 |
$5.00 |
$5.00 |
Balance Inquiry from Visa ATM |
$0.75 |
$0.75 |
$0.75 |
$0.75 |
Decline Fee |
Nil |
Nil |
Nil |
Nil |
eCom Per Transaction Fee |
$3 (transaction amount above $10) |
Nil |
$3 (transaction amount above $10) |
Nil |
Mega Smart Fee & Charges (Mobile Banking) |
Registration Fee: NPR 250.00 |
Renewal Fee: NPR 250.00 |
Re-pin: NIL |
Mega Direct Banking Fee & Charges (Internet Banking) |
Normal User |
Registration Fee: NIL |
Renewal Fee: NIL |
Corporate User |
Registration Fee: NPR 250.00 |
Renewal Fee: NPR 250.00 |
3. REMITTANCES
Headings |
Pricing |
Drafts (to be issued to account holders only) |
NPR/INR/FCY:0.10% or minimum NPR 500.00 Plus, Communication charges. In case of DD issued for education purpose, education tax 2% or as per prevailing NRB Circular to be levied. |
Cancellation of Draft/Stop payment of lost draft |
NPR 500.00 plus communication charges (Charges applicable for new Draft issuance as per above if the customer wants to issue a new Draft in place of the cancelled/stopped Draft). In case of cancellation of DD issued for education purpose, education tax of 2% can be refunded only after confirmation from Finance Department in case when the tax has not been deposited at the concerned tax office. |
Fund Transfer via SWIFT (TT/RTGS) – Outward (This facility to be provided to account holders only) |
0.10% or minimum NPR 1,000.00 Plus Communication charges On top of commission and communication charges, NPR 500.00 to be levied for sending INR remittance with “our” basis: FCY (Third Countries except India):0.10% or minimum NPR 1,000.00 + Communication charges On top of commission and communication charges, the following charges to be levied for sending FCY remittance with “our” basis: Amount Range Charges $1.00 - 499.00 $ 15.00 $500.00 - 999.00 $ 20.00 $1000.00 -$ 9999.00 $ 40.00 $10000.00 and above $ 50.00 (Fund transfers subject to prevailing directives/circular. Charges could vary depending on the changes in the charges of correspondent bank) |
SWIFT – Inward |
As per correspondence bank charge. Non-customers/Tourist: 0.25%, minimum NPR 750.00 Transfer to another bank: 0.25%, minimum NPR 750.00 Follow up SWIFT on remittances NPR 500.00 per message On top of the commission and charges as mentioned above, the following charges also to be levied: For USD inward, USD 10.00 to be charged in case of Charge defined as OUR in MT 103. For GBP inward, GBP 5.00 to be charged in case of charge defined as OUR in MT 103. For EUR inward, EUR 5.00 to be charged in all cases of MT1 03 Fund transfers subject to prevailing directives/circular. Charges could vary depending on the changes in the charges of correspondent bank) |
Refund of Inward Payment & Nostro Cover |
USD 35.00 plus per swift follow up charge. |
ABBS Transactions |
Free |
Local Inter-bank Transfers (SWIFT) – At the customer’s request – Outward |
Communication charge only (commission and communication charge free for BFI’s only) |
ECC Charges |
Express/High Value Presentment Charge (NPR & FCY cheque) - NPR 100 |
IPS Charge |
Outward Direct Credit Transaction (CUST,REMI,INSM,SALC,CCRD) |
Connect IPS e-payment charge |
General Transaction Slab Up to 500 NPR 2 >500-5000 NPR 4 >5000 NPR 8 |
RTGS Charges |
Morning exchange (from 10:30AM to 1:00PM) - RS 10 Afternoon exchange (from 1:00PM to 3:00PM) - RS 20 Evening exchange (from 3:00PM to 3:45PM)Institutional only - RS 100 |
Mega Remittance:
Charges for sending Mega Remit Transaction:
Charge Structure Mega Remit | |||
S.N. | Slab Amount | Commission | Remarks |
1 | 1 - 10,000.00 | 100 | Cash Pay / AC Deposit |
2 | 10,001 - 25,000.00 | 150 | Cash Pay / AC Deposit |
Waivers and discounts: Not applicable
5. TRADE FINANCE
Headings |
Pricing |
Inward Documentary Collection
|
0.20% p. q. or minimum NPR 1,000.00 p.q for acceptance period 0.20% or minimum NPR1,000.00 Plus Communication charges in both transactions: As per communication charges |
Documents returned unpaid / unaccepted |
NPR 1,000.00 plus communication and courier charges |
Bills Outward Collection- CAD |
0.15%, minimum NPR 500.00 plus Communication charges Postage wherever applicable: As per actual communication charges |
Documentary Credits (Inwards)(Export LC) |
For advising original LC & Amendments: NPR 1,500.00 Non–Customer: NPR 4,000.00 Plus, NPR 1,000.00 authentication Charge (for both above) LC advising: NPR 500.00 & collection charge 500.00 if both the applicant and beneficiary are our customers. |
For confirming a documentary credit (subject to prior arrangement) |
0.50% per quarter, minimum NPR 3,000.00 for confirmation period. |
Bank to bank reimbursement |
INR reimbursement INR 2,500.00 per drawings NPR reimbursement NPR 2,500.00 per drawings Other FCY USD 75.00 per drawings or Equivalent TT Reimbursement claim on behalf of other banks NPR 2,000.00 plus commission |
Documentary Credits (Inwards) (Export LC) |
For transferring a transferable credit: Customers: 0.10% Or minimum NPR 1,500 plus actual expenses Non–Customers: 0.25% Or minimum NPR 2,500.00 plus actual expenses Communication (SWIFT), postage, courier etc.: As per communication charges |
Collection of Export Bills |
0.15%, or minimum NPR1,000.00 plus Communication/ courier charges |
Export Sight Bills Negotiation/Purchase |
0.50% up to 15 days or minimum NPR 1,000.00 at the time of negotiation/Purchase (Upfront) Beyond 15 days, prevailing interest rate of Export Loan /arranged rate will be levied on document value for outstanding number of days plus Communication/ courier charges |
Export Usance Bills Discounting |
Prevailing interest rate of Export Loan /arranged rate will be levied on document value for the period upto bills maturity at the time of discounting (upfront) 2% additional interest for overdue period plus, Communication/ courier charges |
Payment received confirmation / Certificate |
NPR 500.00 |
Advance Payment Certificate |
NPR 500.00 |
Duplicate Advance Payment Certificate |
NPR 500.00 |
Documentary Credits (Outward) (Import LC) |
FCY LC 0.12% per quarter, minimum NPR 1,000.00 INR LC 0.20% per quarter, minimum NPR 1,000.00 NPR LC 0.20% per quarter, minimum NPR 1,000.00 Communication charges: As per communication charges |
LC Amendment fee |
Other than time extension and value enhancement. NPR 500.00 Time extension for subsequent quarters and Normal issuance charge Value enhancement: Normal issuance charge Communication charges: As per communication charges |
Acceptance commission |
0.04% per month, minimum NPR 1,000.00 |
Discrepancy Fee under LC |
INR / NPR LCs: INR / NPR 1200.00 per documents Plus, INR/NPR 300.00 communication charges FCY LCs: USD 50.00 per document plus communication charge USD 10 |
LC cancelled |
NPR 1,000.00+ (applicable communication charges) |
LC cancellation – partially unutilized |
NPR 500.00 + (applicable communication charges) |
Settlement/handling of LC document |
NPR 1000.00 flat per document plus applicable communication charges |
Guarantees issuance |
Issuance charge Bid Bonds:0.20%-0.30% p. q. or min. NPR 1,000.00 Performance Bonds:0.20%-0.35% p. q. or min. NPR 1,000.00 Advance Payment Guarantee: 0.25%-0.35% p. q. or min. NPR 1,000.00 Customs Guarantee: 0.35% p. q. or min. NPR 2,000.00 Licensing Guarantee: 0.30% p. q. or min. NPR 1,000.00 Supplier Credit Guarantee: 0.35% p. q. or min. NPR 2,000.00 |
Guarantees issued by the bank against guarantees of correspondent bank (counter guarantee) |
2.50% per annum, minimum USD 50.00 or equivalent |
Amendments (other than time extension and value increment) |
NPR 500.00 |
Amendment for time extension within the same quarter. |
NPR 500.00 |
Amendment for time extension and value increment |
As per guarantee issuance charge |
Charge for text authentication of Guarantees (and amendments thereto) issued by International banks. |
USD 50.00 plus communication fee |
Bills under LC (Force Loan) |
Plus 2% p.a on prevailing highest loan interest rate for a day 2% additional interest for overdue period |
Deposit Certificate for exporters |
NPR 250.00 |
Import LC bills to be returned |
Document handling charge: For domestic: NPR 1000.00 plus communication and courier charges For INR: INR2000.00 plus communication and courier charges For FCY: Equivalent USD50.00 plus communication and courier charges |
If Nostro is debited prior to settlement of Import LC bills by Applicant under TT reimbursement LC |
Import Bills under L/C for 1st 10 days: No Fees. Interest charged only if Nostro is debited at the applicable/ Published highest TR rate |
BCI report |
Actual charge plus communication charge If an authenticated copy to be provided, charge of NPR 5000.00 to be levied |
Vostro Accounts |
Whilst all the charges applied to Vostro accounts are as per the Agreement with the specific bank. Local inter-bank transfer – Free if the beneficiary is the same bank. NPR 500.00 if the beneficiary is third bank. (Free for corporate customers and FIs) |
Fund Transfer via SWIFT (TT) – Import purpose (This facility to be provided to account holders only) |
In INR: 0.10%, minimum NPR 1,000.00 + Communication charges On top of commission and communication charges, NPR 500 to be levied for sending INR remittance with “our/on us” basis: In FCY (Third Countries): 0.10% minimum NPR 1,000 + Communication charges On top of commission and communication charges, the following charges to be levied for sending FCY remittance with “our/on us” basis: Amount Range Charge $1.00 - 499.00 $ 15.00 $500.00 - 999.00 $ 20.00 $1000.00 -$ 9999.00 $ 40.00 $10000.00 and above $ 50.00 (Fund transfers subject to prevailing directives/circular) |
6. COMMUNICATION CHARGES
(TELEPHONE, FAX, COURIER, POSTAGE, TEST KEY HANDLING CHARGES)
Heading |
New Pricing |
Letters of Credit Issuance |
SWIFT Charge: NPR 1500/- If advised via Courier Service in domestic LC Courier Charge: NPR 400.00 |
L/C Amendment/Settlement/Others |
SWIFT Charge: NPR 500/- If advised via Courier Service in domestic LC Courier Charge: NPR 400.00 |
Draft Issuance Confirmation |
SWIFT: India: Nil Other Countries: NPR 375.00 |
Draft Cancellation /Stop payment Confirmation |
SWIFT: India: NPR 270.00 Other Countries: NPR 375.00 |
Advance Payment confirmation |
SWIFT: India: NPR 270.00 Other Countries: NPR 375.00 |
Fund Transfer |
SWIFT: Domestic: NPR 250.00 India: NPR 270.00 Other Countries: NPR 375.00 |
Postage & Courier |
Domestic: NPR 400.00 In India: INR 1000.00 In USD: USD 50.00 Or Actual cost incurred whichever is higher |
7. CREDIT SUPPORT UNIT
Headings |
New Pricing |
Remarks |
Loan Management Fee |
New Client Corporate : WCL: 0.25% FTL (including Commercial complex): 0.25% Real Estate Loans (Housing Developers): 0.75% Real Estate Loans (Land Development only): 0.75% Consortium: As per the decision of the Consortium Mid Corporate Loan All type Mid Corporate Loan: 0.75% Consortium: As per the decision of the Consortium SME: All type SME Loan: 0.75% Consumer: All Consumer Loan: 0.75% Gold Loan : Loan amount up to NPR 1Mio : 0.5% Loan amount above NPR 1 Mio : 0.75% Loan Against Insurance Policy : Loan Management Fee : 0.75% Micro Lending : Direct Lending: 0.75% Institutional : 0.25% Renewal: 20% of the original LPF |
Amendment on NRB Directives 20/076-8 (KHA) |
Commitment fee |
a) For business OD (SME/MCL/Corporate), Personal OD, Margin Lending – 0.15% of unutilized limit if average utilization is below 60%. b) Consortium Loans: As per the decision of Consortium c) In case of Micro Loan - Loan Commitment Fee is applicable for Micro Indirect Loans only. |
As per NRB Directives 20/076-8 (KHA) |
Pre-payment fee |
Retail/SME/MIDCOR/COR
Gold Loan- Nil Loan against insurance policy – Nil Margin Lending – NPR 1000/company Pre-payment charge shall not be applicable for settlement of total loan exposure to the tune of NPR 5 million in line with NRB norms.
|
As per NRB Directives 20/076-8 (KHA) |
CICL Charge |
With detailed information: NPR 550.00 Without detailed information: NPR 250.00 STR (Secured Transaction Registry) Charge: NPR 500.00 per registration |
As per Karja Suchana Kendra |
Pledge Loan Charge |
NPR 1000.00 per visit |
|
Credit Reference Letter to other BFI's/Valuator's experience letter |
NPR 500.00 |
|
Miscellaneous Letter issuance charges on customer’s request |
NPR 500.00 |
|
Credit Information inside Nepal (Trade Related) |
NPR 1,000.00 |
|
Credit Information outside Nepal (Trade Related) |
USD 50.00 plus other bank Charge |
|
Credit Guarantee Fee to be paid to (DCGF) |
0.25% p.a. of total outstanding (Interest and Principal).To be paid @ 0.125% on half yearly basis. |
As per amendment in Subsidised Loan Karyabidi 2076 dated 2076/8/8 |
Note:
- All cases of prepayment charges must be in line with NRB Directives 20/076-8 (KHA) without any deviation.
- All the charges will be as per the STC with immediate effect irrespective of terms mentioned in offer letter issued on earlier dates.