{"id":2791,"date":"2022-06-12T09:37:51","date_gmt":"2022-06-12T09:37:51","guid":{"rendered":"https:\/\/www.laxmisunrise.com\/np\/?page_id=2791"},"modified":"2026-04-16T15:25:08","modified_gmt":"2026-04-16T09:40:08","slug":"schedule-of-service-charges","status":"publish","type":"page","link":"https:\/\/www.laxmisunrise.com\/np\/rates\/schedule-of-service-charges\/","title":{"rendered":"Schedule of Service Charges"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2791\" class=\"elementor elementor-2791\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-332c9442 elementor-section-height-min-height elementor-section-items-bottom elementor-section-boxed elementor-section-height-default\" data-id=\"332c9442\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-12196c19\" data-id=\"12196c19\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b4dde42 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b4dde42\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b358896\" data-id=\"b358896\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c1b89d2 elementor-widget elementor-widget-text-editor\" data-id=\"c1b89d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Please click on the headings below for the particular service charge schedule.<\/p><p>For any queries or concerns, please contact us through any of our bank branches or fill up our feedback form through this website itself.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8be81a elementor-widget elementor-widget-heading\" data-id=\"c8be81a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Basic Banking Services<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1d687d5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1d687d5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3a2351c\" data-id=\"3a2351c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2cdd387 elementor-widget elementor-widget-text-editor\" data-id=\"2cdd387\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>ATM Card<\/li><li>Credit Card<\/li><li>USD Prepaid Travel Card<\/li><li>SMS (Mobile) Banking<\/li><li>Internet Banking (<em>i<\/em>BankXP)<\/li><li>Email Alerts<\/li><li>Mobile Money<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2482c00\" data-id=\"2482c00\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b01f29 elementor-widget elementor-widget-text-editor\" data-id=\"9b01f29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Share Registrar Services<\/li><li>Courier Recovery<\/li><li>Postage Recovery<\/li><li>Market Maker<\/li><li>Home Banking Service<\/li><li>Safe Deposit Locker<\/li><li>Trade Operations<\/li><li>Loan Administration<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-33235d0 elementor-widget elementor-widget-text-editor\" data-id=\"33235d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Please visit the <strong><a href=\"\/np\/downloads\/\">Downloads<\/a><\/strong> page or <strong><a href=\"https:\/\/www.laxmisunrise.com\/wp-content\/uploads\/2025\/12\/SSC-Dec-2025-Website-Version-1.pdf\">click here<\/a><\/strong> for detailed information.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99f887f ssc-accordion elementor-widget elementor-widget-accordion\" data-id=\"99f887f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1611\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1611\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">1. Basic Banking Services<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1611\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1611\"><h4 class=\"heading-bg\">1.1 Account Services<\/h4><table class=\"table table-striped lb-datatable dataTable sorting-disabled\" width=\"100%\"><thead><tr><th>S.N.<\/th><th>Description<\/th><th>Charges<\/th><\/tr><\/thead><tbody><tr><td>1.1.1<\/td><td>Cheque Book Destruction Fee<\/td><td>NPR 750<\/td><\/tr><tr><td>1.1.2<\/td><td>Cheque Book issuance without<br \/>submission of requisition slip<\/td><td>NPR 300<\/td><\/tr><tr><td>1.1.3<\/td><td>Standing Instruction at customer request<\/td><td>NPR 450 per instruction<\/td><\/tr><tr><td>1.1.4<\/td><td>Failure to execute Standing Instruction<br \/>(placed at customer request) due to<br \/>insufficient balance.<\/td><td>NPR 250 per SI failure<\/td><\/tr><tr><td>1.1.5<\/td><td>Request of Account Statement<\/td><td><ul><li>nil<\/li><li>NPR 50 per month for repeat request<\/li><\/ul><\/td><\/tr><tr><td>1.1.6<\/td><td>Request to retrieve Customer<br \/>Advice\/documents<br \/>After 1 year<br \/>After 2 years<\/td><td>NPR 500 per advice<br \/>NPR 1000 per advice<\/td><\/tr><tr><td>1.1.7<\/td><td>Cancellation of \u201cGood For Payment\u201d<br \/>Cheque<\/td><td>NPR 600<\/td><\/tr><tr><td>1.1.8<\/td><td>Issuance of Advance Payment<br \/>Certificate\/duplicate<\/td><td>NPR 700<\/td><\/tr><tr><td>1.1.9<\/td><td>Issuance of NRB Cheque at the request<br \/>of customer<\/td><td>NPR 600<\/td><\/tr><tr><td>1.1.10<\/td><td>Cancellation of NRB Cheque issued (at<br \/>the request of customer)<\/td><td>NPR 300<\/td><\/tr><tr><td>1.1.11<\/td><td>Duplicate issuance of FD receipt<\/td><td>NPR 500 per receipt<\/td><\/tr><tr><td>1.1.12<\/td><td>Issuance of Draft<\/td><td><p>0.2% or minimum NPR 500 for all currency drafts<br \/>Swift Charge: NPR 1,000<br \/><strong>Additional Charges:<\/strong><\/p><ul><li>USD 5 (other bank charge) for USD DD issued<br \/>through SCB<\/li><li>GBP 25 (other bank charge) for GBP DD issued<br \/>through SCB<\/li><li>EUR 40 (other bank charge) for EUR DD issued<br \/>through SCB<\/li><li>NPR 350 (other bank charge) for INR DD<\/li><\/ul><\/td><\/tr><tr><td>1.1.13<\/td><td>Cancellation of Draft<\/td><td><p>NPR 600<br \/><strong>Additional Charges:<\/strong><\/p><ul><li>Other Bank\u2019s charge, if any (Actual charged<br \/>by Correspondence Bank)<\/li><li>SWIFT Charge of NPR 1,000.<\/li><\/ul><\/td><\/tr><tr><td>1.1.14<\/td><td>Issuance of Managers Cheque at<br \/>customer\u2019s request<\/td><td>NPR 500<\/td><\/tr><tr><td>1.1.15<\/td><td>Cancellation of Manger\u2019s Cheque<\/td><td>NPR 500<\/td><\/tr><tr><td>1.1.16<\/td><td>7 Cash withdrawal against Counter<br \/>Cheque<\/td><td>NPR 300<\/td><\/tr><tr><td>1.1.17<\/td><td>C-ASBA Application Charge<\/td><td>NPR 5 per application<\/td><\/tr><tr><td>1.1.18<\/td><td>Issuance of special certificate at the<br \/>request of customer which does not fall<br \/>under regular\/standard banking<br \/>services<br \/>(Except Balance Certificate)<\/td><td>NPR 500<\/td><\/tr><tr><td>1.1.19<\/td><td>Redemption of Fixed Deposit (FD)\/Recurring Deposit (RD)<br \/>before maturity<\/td><td><p>Lowest interest rate of Saving Account \/ Call Account (<em>in case of institution or company)<\/em><\/p><p>(While opening of FD\/RD or current time whichever is<br \/>lower)<\/p><\/td><\/tr><\/tbody><\/table><h4 class=\"heading-bg\">1.2 Payment Services<\/h4><table class=\"table table-striped lb-datatable dataTable sorting-disabled\" width=\"100%\"><thead><tr><th>S.N.<\/th><th>Description<\/th><th>Charges<\/th><\/tr><\/thead><tbody><tr><td>1.2.1<\/td><td>Outward Wire Transfer, other than India<\/td><td><p>0.2% or minimum NPR 1000.00<br \/><strong>Additional Charges:<\/strong><\/p><ul><li>SWIFT charge of NPR 1,000.00<\/li><\/ul><p>Plus Other Bank&#8217;s charges if &#8220;OUR&#8221; (Actual basis)<\/p><\/td><\/tr><!--<\/p>\n<tr>\n<td>1.2.2<\/td>\n<td>Outward Wire Transfer - India<\/td>\n<td>0.2% or minimum NPR 1000.00<br \/><strong>Additional Charges:<\/strong><br \/>SWIFT charge NPR 1,000.00<br \/>Other bank \u2018s charges ( Actual basis) in case of other bank\u2019s charges \u201cOUR\u201d<\/td>\n<\/tr>\n<p>--><tr><td>1.2.2<\/td><td>Wire transfer &#8211; India through National Electronic Fund Transfer (NEFT)<\/td><td>0.2% or minimum NPR 1000.00<br \/><strong>Additional Charges:<\/strong><br \/>&#8211; SWIFT charge NPR 1,000.00<br \/>&#8211; NPR 500.00 flat (NEFT Charge)<\/td><\/tr><tr><td>1.2.3<\/td><td>Outward Wire Transfer (OUR)<\/td><td><p><strong>MT 103 Sent in:<\/strong><\/p><ul><li>GBP: GBP 30<\/li><li>EURO: EUR 35<\/li><li>JPY: JPY 7,500*<\/li><li>USD: USD 25<\/li><li>AUD: AUD 35<\/li><li>AED: AED 100<\/li><li>CNY: CNY 40<\/li><li>INR: INR 250<\/li><\/ul><p><strong>MT 202 Outward with instruction OUR, charges shall be as below:<\/strong><\/p><ul><li>USD &#8211; USD 20<\/li><li>EUR &#8211; EUR 25<\/li><li>GBP &#8211; GBP 30<\/li><li>JPY &#8211; JPY 400<\/li><li>CNY- CNY 60<\/li><li>AED &#8211; AED 50<\/li><li>AUD &#8211; AUD 15<\/li><\/ul><p><em>Note: The above charges are exclusive of the additional charges<br \/>that may be claimed by correspondent banks quoting the<br \/>respective reference number of MT 103 or 202.<\/em><\/p><p>*<em>For OBC, in case of MT 103 Sent in JPY, lien additional NPR 5,000 in customer<br \/>account up to 6 months from transaction date<\/em><\/p><\/td><\/tr><tr><td>1.2.4<\/td><td>Wire Transfer (Swift) locally through NRB<\/td><td>Upto NPR 5 mio : NPR 500.00 plus SWIFT charge NPR 1000\/-<br \/>Above NPR 5 mio : NPR 1000.00 plus SWIFT charge NPR 1000\/-<\/td><\/tr><tr><td>1.2.5<\/td><td>Refund of inward wire transfer &#8211; FCY<br \/>Refund of inward wire transfer \u2013 INR<\/td><td>USD 25.00 plus NPR 1000.00 SWIFT charge.<br \/>INR 500.00 plus NPR 1000.00 SWIFT charge.<\/td><\/tr><tr><td>1.2.6<\/td><td>Other Bank Charges (Inward remittance received in different currency)<\/td><td><p><strong>Inward MT 103<\/strong><\/p><ul><li>USD &#8211; USD 10<\/li><li>EUR- EUR 10<\/li><li>GBP- GBP 10<\/li><li>JPY &#8211; JPY 3,000<\/li><li>For other currency (except INR) &#8211; USD 5 equivalent<\/li><\/ul><p><strong>Inward MT 202<\/strong><\/p><ul><li>USD 5 and equivalent for all currency except INR, JPY and AED<\/li><li>JPY 6,500<\/li><li>AED- AED 50<\/li><\/ul><p><em>(Note: The above charges are exclusive of the additional charges<br \/>that may be claimed by correspondent banks quoting the<br \/>respective reference number of MT 103 or 202.)<\/em><\/p><\/td><\/tr><!--<\/p>\n<tr>\n<td>1.2.8<\/td>\n<td>Cheque sent on collection INR - postage charge<br \/>Cheque sent on collection FCY - postage charge<\/td>\n<td>600.00<br \/>2,500.00<\/td>\n<\/tr>\n<tr>\n<td>1.2.9<\/td>\n<td>Cheque sent on collection returned unpaid<\/td>\n<td>NPR 700 plus postage as advised above 1.2.8<\/td>\n<\/tr>\n<p>--><tr><td>1.2.7<\/td><td>Cheque returned Inward ECC due to<br \/>insufficient fund.<\/td><td>NPR 700.00<\/td><\/tr><tr><td>1.2.8<\/td><td>MT 940\/950 Charges (Monthly Fee)<\/td><td>USD 25 per month per account<\/td><\/tr><\/tbody><\/table><h4 class=\"heading-bg\">\u00a0<\/h4><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1612\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1612\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">2. Debit Card<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1612\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1612\"><h4 class=\"heading-bg\">2. Debit Card<\/h4><table class=\"table table-striped lb-datatable dataTable sorting-disabled\" width=\"100%\"><thead><tr><th>S.N.<\/th><th>Description<\/th><th>Charges<\/th><\/tr><\/thead><tbody><tr><td>2.1<\/td><td>VISA Card one-time Fee (during issuance)<br \/>Same applies for replacement of lost \/<br \/>damaged card\/Renewal<\/td><td><ul><li>Upfront &#8211; NPR 1500 for 5 years<br \/>OR<br \/>Installment &#8211; NPR 400 p.a. for 5 years<\/li><li>Issuance of USD Debit Card against FCY Account &#8211; NPR 1,000 (one time till expiry)<\/li><\/ul><\/td><\/tr><tr><td>2.2<\/td><td>Destruction of uncollected card<\/td><td>NPR 750<\/td><\/tr><tr><td>2.3<\/td><td>PIN re-generation fee<\/td><td>NPR 200<\/td><\/tr><tr><td>2.4<\/td><td>Green Pin (Debit Card)<\/td><td>Nil<\/td><\/tr><tr><td>2.5<\/td><td>Destruction of Uncollected Re-pin<\/td><td>NPR 100<\/td><\/tr><tr><td>2.6<\/td><td>Cash withdrawal in Visa Network in India<\/td><td>NPR 350 plus other Bank\u2019s charges<\/td><\/tr><tr><td>2.7<\/td><td>Cash withdrawal in Visa Network in<br \/>Nepal (US on them i.e., Other Banks<br \/>ATM)<\/td><td>NPR 15 per transaction.<\/td><\/tr><tr><td>2.8<\/td><td>Balance enquiry in VISA network in<br \/>India\/Nepal<\/td><td>Nepal: NPR 15<br \/>India: NPR 50<\/td><\/tr><tr><td>2.9<\/td><td>Linking new account to Debit Card<\/td><td>NPR 150<\/td><\/tr><tr><td>2.10<\/td><td>E-Commerce Enrollment Fee<\/td><td>Nil<\/td><\/tr><tr><td>2.11<\/td><td>Cash Withdrawal Fee (Own Terminal)<\/td><td>Nil<\/td><\/tr><tr><td>2.12<\/td><td>Balance Inquiry Fee (Own Terminal)<\/td><td>Nil<\/td><\/tr><tr><td>2.13<\/td><td>E-Commerce Annual Fee<\/td><td>Nil<\/td><\/tr><tr><td>2.14<\/td><td>Card un-block fee<\/td><td>NPR 350<\/td><\/tr><tr><td>2.15<\/td><td>Card less Cash (Express Money)\/ Remit<\/td><td>Nil<\/td><\/tr><tr><td>2.16<\/td><td><strong>ATM Access Fee<\/strong><br \/>Them on Us (Foreign Cards &#8211; Visa\/MasterCard &#8211; at our ATMs)<\/td><td>NPR 750<\/td><\/tr><tr><td>2.17<\/td><td>Card Replacement Fee<\/td><td>NPR 400<\/td><\/tr><tr><td>2.18<\/td><td>Dispute Management fee (Successful transaction case)<\/td><td>NPR 300<\/td><\/tr><\/tbody><\/table><h4 class=\"heading-bg\">\u00a0<\/h4><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1613\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1613\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">3. Credit Card<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1613\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1613\"><table class=\"table table-striped lb-datatable dataTable sorting-disabled\" width=\"100%\">\n<thead>\n<tr>\n<th>S.N.<\/th>\n<th>Description<\/th>\n<th>Charges<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>3.1<\/td>\n<td>Joining fee (One-time)<\/td>\n<td>NPR 1,000 per card<\/td>\n<\/tr>\n<tr>\n<td>3.2<\/td>\n<td>Annual Fee<\/td>\n<td>Upfront &#8211; NPR 4,000 for 5 years\nOR\nYearly Installment NPR 1,000 p.a. for 5 years<\/td>\n<\/tr>\n<tr>\n<td>3.3<\/td>\n<td>Card Reissuance \/ Replacement fee<\/td>\n<td>NPR 1000 per card<\/td>\n<\/tr>\n<tr>\n<td>3.4<\/td>\n<td>Temporary limit enhancement fee<\/td>\n<td>NPR 750 per card<\/td>\n<\/tr>\n<tr>\n<td>3.5<\/td>\n<td>Permanent limit enhancement fee<\/td>\n<td>NPR 750 per card<\/td>\n<\/tr>\n<tr>\n<td>3.6<\/td>\n<td>E-Commerce 3D Secure Registration<\/td>\n<td>Nil<\/td>\n<\/tr>\n<tr>\n<td>3.7<\/td>\n<td>E-Commerce 3D Secure Annual Fee ( 3D Secure Service)<\/td>\n<td>Nil<\/td>\n<\/tr>\n<tr>\n<td>3.8<\/td>\n<td>E-Commerce 3D Secure Transaction Fee ( 3D Secure Service)<\/td>\n<td>Nil<\/td>\n<\/tr>\n<tr>\n<td>3.9<\/td>\n<td>Cash advance fee with our Card\n(On Us transaction)<\/td>\n<td>NPR 200+2% of withdrawn amount<\/td>\n<\/tr>\n<tr>\n<td>3.10<\/td>\n<td>Cash advance fee with other bank\u2019s Card\n(Them on Us transaction)<\/td>\n<td>\n<ul>\n \t<li>NPR 200 + 2% of withdrawn amount (NPR transactions)<\/li>\n \t<li>NPR 300 + 2% of withdrawn amount (INR transactions)<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>3.11<\/td>\n<td>Credit Card Interest<\/td>\n<td>2.25 % per month\/27% per annum<\/td>\n<\/tr>\n<tr>\n<td>3.12<\/td>\n<td>Late payment fee<\/td>\n<td>NPR 300 or 0.2 % per month whichever is higher<\/td>\n<\/tr>\n<tr>\n<td>3.13<\/td>\n<td>PIN Re-generation Fee<\/td>\n<td>NPR 200<\/td>\n<\/tr>\n<tr>\n<td>3.14<\/td>\n<td>Balance Enquiry in Own ATM<\/td>\n<td>Nil<\/td>\n<\/tr>\n<tr>\n<td>3.15<\/td>\n<td>Balance Enquiry in Other Bank ATM (Nepal\/India)<\/td>\n<td>\n<ul>\n \t<li>Nepal: NPR 15<\/li>\n \t<li>India: NPR 50<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>3.16<\/td>\n<td>EMI Conversion Fee (Buy Now Pay Later Conversion)<\/td>\n<td>Flat &#8211; NPR 500 per month for the EMI period\n<em>Minimum Purchase Amount for Conversion: NPR 30,000<\/em><\/td>\n<\/tr>\n<tr>\n<td>3.17<\/td>\n<td>Visa Platinum Credit Card<\/td>\n<td><ul>\n \t<li style=\"list-style-type: none;\">\n<ul>\n \t<li>Issuance Fee: NPR 5,000<\/li>\n \t<li>Annual Fee: NPR 5,000 per year <em>(After first year)<\/em><\/li>\n \t<li>Late Payment Fee: NPR 300 or 0.2% per month &#8211; whichever is higher<\/li>\n \t<li>Card Reissuance \/ Replacement Fee: NPR 1,000<\/li>\n<\/ul>\n<\/li>\n<em>All other Fees same as Laxmi Sunrise Visa Credit Card<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1614\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1614\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">4. USD Prepaid Card<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1614\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1614\"><h4 class=\"heading-bg\">4.1 USD Card \u2013Travel Card<\/h4>\n<table class=\"table table-striped ssc-table\" width=\"100%\">\n<thead>\n<tr>\n<th>S.N.<\/th>\n<th>Description<\/th>\n<th>Charges<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>4.1.1<\/td>\n<td>Issuance of USD Prepaid Travel Card against NPR Account<\/td>\n<td>Issuance \u2013 NPR 1000 (including Free 1st Top-Up)<\/td>\n<\/tr>\n<tr>\n<td>4.1.2<\/td>\n<td>Issuance of USD Prepaid Travel Card against FCY account<\/td>\n<td>NPR 1,000<\/td>\n<\/tr>\n<tr>\n<td>4.1.3<\/td>\n<td>USD Prepaid Travel Card replacement<\/td>\n<td>NPR 1,000.00<\/td>\n<\/tr>\n<tr>\n<td>4.1.4<\/td>\n<td>Reload\/Top Up Fee<\/td>\n<td>NPR 400<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"3\">4.1.5<\/td>\n<td colspan=\"2\">Transaction Fee<\/td>\n<\/tr>\n<tr>\n<td class=\"no-bgcolor\">Cash Withdrawal-(Some banks may charge ATM Access Fees differently for VISA cards\nused on their ATM)<\/td>\n<td class=\"no-bgcolor\">USD 5 plus other Bank&#8217;s Charges<\/td>\n<\/tr>\n<tr>\n<td>Balance Inquiry<\/td>\n<td>USD 1.00<\/td>\n<\/tr>\n<tr>\n<td>4.1.6<\/td>\n<td>PIN re-generation fee<\/td>\n<td>NPR 200<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4 class=\"heading-bg\">4.2 USD Card \u2013 E-Commerce<\/h4>\n<table class=\"table table-striped ssc-table\" width=\"100%\">\n<thead>\n<tr>\n<th>S.N.<\/th>\n<th>Description<\/th>\n<th>Charges<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>4.2.1<\/td>\n<td>USD Prepaid E-Commerce Card (For Online Use Only)<\/td>\n<td>\n<ul>\n \t<li>Issuance \u2013 NPR 700 (including Free 1st top-up)<\/li>\n \t<li>Reload\/Top-up \u2013 NPR 400 per Top-up<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>4.2.2<\/td>\n<td>E-commerce Transaction Fee<\/td>\n<td>Nil<\/td>\n<\/tr>\n<tr>\n<td>4.2.3<\/td>\n<td>USD Prepaid E-commerce Card replacement (if lost)<\/td>\n<td>NPR 700<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4 class=\"heading-bg\">4.3 USD Card \u2013 E-Commerce payment card<\/h4>\n<table class=\"table table-striped ssc-table\" width=\"100%\">\n<thead>\n<tr>\n<th>S.N.<\/th>\n<th>Description<\/th>\n<th>Charges<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>4.3<\/td>\n<td>Education related Payments through Laxmi Sunrise E-Commerce Payment Card<\/td>\n<td>\n<ul>\n \t<li>NPR 500 for the payment up to USD 250<\/li>\n \t<li>NPR 1,000 for the payment above USD 250 up to USD 500<\/li>\n \t<li>NPR 1,500 for the payment above USD 500<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4 class=\"heading-bg\">4.4 USD Prepaid E-Commerce Card for Visa Bond Payment <\/h4>\n<table class=\"table table-striped ssc-table\" width=\"100%\">\n<thead>\n<tr>\n<th>S.N.<\/th>\n<th>Description<\/th>\n<th>Charges<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>4.4<\/td>\n<td>USD Prepaid E-Com Card for Visa Bond Payment <\/td>\n<td>\n<ul>\n \t<li>NPR 2,000 irrespective of any value for each time<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n\n<\/table><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1615\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1615\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">5. Internet Banking (iBank) Services<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1615\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1615\"><table class=\"table ssc-table\" width=\"100%\"><thead><tr><th>S.N.<\/th><th>Description<\/th><th>Charges<\/th><\/tr><\/thead><tbody><tr><td>5.1<\/td><td>Subscription of Internet Banking(iBank)<\/td><td>NPR 600 p.a. for Legal\u00a0 person\/Corporate<br \/>NPR 250 p.a. for Natural person<\/td><\/tr><tr><td rowspan=\"2\">5.2<\/td><td>Transfer of funds in other banks accounts<\/td><td>NPR 11.30 (Flat using Fonepay network)<\/td><\/tr><tr><td class=\"table-bgcolor\">Fund transfer within Laxmi Sunrise Bank accounts<\/td><td class=\"table-bgcolor\">Nil<\/td><\/tr><tr><td>5.3<\/td><td>Corporate Pay Service<\/td><td><ul><li>Enrolment fee: Nil<\/li><li>Renewal fee: Nil\u00a0<\/li><li>Transaction fee: As defined by NCHL, as per selection of transaction channel by the customer<\/li><\/ul><\/td><\/tr><\/tbody><\/table><p>\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1616\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1616\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">6. Email Alerts<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1616\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1616\"><table class=\"table ssc-table\" width=\"100%\">\n<thead>\n<tr>\n<th>S.N.<\/th>\n<th>Description<\/th>\n<th>Charges<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>6.1<\/td>\n<td>Email Alerts joining fee<\/td>\n<td>\n<ul>\n \t<li>One time joining fee for non-individual: NPR 400<\/li>\n \t<li>One time joining fee for individual: NPR 100<\/li>\n \t<li>Annual fee (from subsequent year for both individual and non-individuals): NPR 100<\/li>\n \t<li>Nil for all Cards transactions across all Card profiles<\/li>\n<\/ul>\n(<em>In case of a joint account with a family member, one additional email alert joining\/annual fee is free upon the customer&#8217;s request)<\/em><\/td>\n<\/tr>\n\n<\/tbody>\n<\/table><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1617\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1617\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">7. Mobile Money<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1617\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1617\"><table class=\"table ssc-table\" width=\"100%\">\n<thead>\n<tr>\n<th>S.N.<\/th>\n<th>Description<\/th>\n<th>Charges<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>7.1<\/td>\n<td>Mobile Money Fee<\/td>\n<td>\n<ul>\n<li>Individual: NPR 250 per annum<\/li>\n<li>Corporate: NPR 600 per annum<\/li>\n<\/ul>\n(<em>In case of a joint account with a family member, one additional SMS alert is free upon the customer&#8217;s request)<\/em><\/td>\n<\/tr>\n<tr>\n<td>7.2<\/td>\n<td>PIN Resent Charge (Login and \/or Transaction Password Pin)<\/td>\n<td>Nil<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"\">7.3<\/td>\n<td>Green Package<\/td>\n<td>NP 400 p.a.\n<strong>Inclusions:<\/strong>\n<ul>\n \t<li>Mobile Money<\/li>\n \t<li>I-Banking<\/li>\n \t<li>Mero Share<\/li>\n \t<li>DEMAT Account<\/li>\n \t<li>Viber Banking<\/li>\n \t<li>Email Solutions<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"no-bgcolor\">\n<td rowspan=\"2\">7.4<\/td>\n<td>Fund transfer within Laxmi Sunrise\nBank accounts<\/td>\n<td>Nil<\/td>\n<\/tr>\n<tr class=\"no-bgcolor\">\n<td>Fund transfer to other banks accounts<\/td>\n<td><strong>Through Mobile Money:<\/strong>\n&#8211; NPR 10 (Flat using Fonepay network)\n&#8211; NPR 8 (Flat using NPS network)<\/td>\n<\/tr>\n<tr class=\"table-bgcolor\">\n<td>7.5<\/td>\n<td><strong>Pay bills<\/strong>\n<ul>\n \t<li>Mobile phone<\/li>\n \t<li>Landline<\/li>\n \t<li>ADSL internet<\/li>\n \t<li>Credit Card<\/li>\n \t<li>QR Merchant<\/li>\n<\/ul>\n<\/td>\n<td>Nil<\/td>\n<\/tr>\n<tr class=\"no-bgcolor\">\n<td>7.6<\/td>\n<td>Smart Foneloan<\/td>\n<td>\n<ul>\n \t<li>Loan Admin Fee- NPR 500<\/li>\n \t<li>Interest Rate &#8211; 15% p.a.<\/li>\n \t<li>Late Payment Fee- NPR 300 (once in every 30 days)<\/li>\n \t<li>Penal Interest &#8211; 2% p.a.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>7.7<\/td>\n<td>Linking new account to Mobile Money<\/td>\n<td>\n<ul>\n \t<li>Individual: NPR 200 p.a.<\/li>\n \t<li>Corporate: NPR 600 p.a.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>7.8<\/td>\n<td>ON Card<\/td>\n<td>\n<ul>\n \t<li>Joining fee: NPR 500 (one time)<\/li>\n \t<li>Annual fee: NPR 500 p.a.<\/li>\n        <li>Interest Rate: 1.75% per month \/ 21% p.a.<\/li>\n        <li>Late Payment fee: NPR 300 or 0.2% per month, whichever is higher<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1618\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1618\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">8. Postage Recovery<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1618\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1618\"><table class=\"table ssc-table\" width=\"100%\"><thead><tr><th>S.N.<\/th><th>Description<\/th><th>Charges<\/th><\/tr><\/thead><tbody><tr><td>8.1<\/td><td>Europe and USA<\/td><td>NPR 3,000.00<\/td><\/tr><tr><td>8.2<\/td><td>Other Countries<\/td><td>NPR 2,500.00<\/td><\/tr><tr><td>8.3<\/td><td>India<\/td><td>NPR 600.00<\/td><\/tr><tr><td>8.4<\/td><td>Nepal<\/td><td>NPR 250.00<\/td><\/tr><\/tbody><\/table><p>\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1619\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1619\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">9. Market Marker<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1619\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1619\"><table class=\"table ssc-table\" width=\"100%\"><thead><tr><th>S.N.<\/th><th>Description<\/th><th>Charges<\/th><\/tr><\/thead><tbody><tr><td>9.1<\/td><td>Management of Government Bonds (subject to change in line with revisions by Central Bank)<\/td><td><ul><li>Upto NPR 2 Mio &#8211; 0.40%<\/li><li>Above NPR 2 Mio &#8211; NPR 8,000<\/li><\/ul><\/td><\/tr><\/tbody><\/table><p>\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16110\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-16110\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">10. Safe deposit Locker<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-16110\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-16110\"><table class=\"table ssc-table\" width=\"100%\"><thead><tr><th>S.N.<\/th><th>Locker Type<\/th><th>Locker<\/th><th>Locker Size<br \/>(H\u201d X W\u201d X D\u201d)<\/th><th>Deposit<\/th><th>Annual Rent<\/th><\/tr><\/thead><tbody><tr><td>10.1<\/td><td>S.D.L. Type 1A\/90 \u2013A\/A<\/td><td>A<\/td><td>4.92 X 6.89 X 19.37<\/td><td>NPR 10,000<\/td><td>NPR 3,000<\/td><\/tr><tr><td>10.2<\/td><td>S.D.L. Type 2B\/60 \u2013 B\/B<\/td><td>B<\/td><td>6.26 X 8.27 X 19.37<\/td><td>NPR 10,000<\/td><td>NPR 3,500<\/td><\/tr><tr><td>10.3<\/td><td>S.D.L. Type 1C\/45 &#8211; 2A\/C<\/td><td>C<\/td><td>5 X 13.86 X 19.37<\/td><td>NPR 10,000<\/td><td>NPR 4,000<\/td><\/tr><tr><td>10.4<\/td><td>S.D.L. Type 3D\/40 \u2013 D\/D<\/td><td>D<\/td><td>7.44X10.35X19.37<\/td><td>NPR 15,000<\/td><td>NPR 5,500<\/td><\/tr><tr><td>10.5<\/td><td>S.D.L. Type 2 \u2013 2B\/E<\/td><td>E<\/td><td>6.26X16.69X19.37<\/td><td>NPR 15,000<\/td><td>NPR 6,000<\/td><\/tr><tr><td>10.6<\/td><td>S.D.L. Type 1F\/21 \u2013 4AF<\/td><td>F<\/td><td>10.94X13.86X19.37<\/td><td>NPR 15,000<\/td><td>NPR 6,000<\/td><\/tr><tr><td>10.7<\/td><td>S.D.L. Type 3G\/20 -2D\/ G<\/td><td>G<\/td><td>7.44 X 20.87 X 19.37<\/td><td>NPR 15,000<\/td><td>NPR 6,000<\/td><\/tr><tr><td>10.8<\/td><td>S.D.L. Type 2 \u2013 2B1\/H1<\/td><td>H1<\/td><td>12.64X8.27X19.37<\/td><td>NPR 15,000<\/td><td>NPR 6,500<\/td><\/tr><tr><td>10.9<\/td><td>S.D.L. Type 2 \u2013 4B\/H<\/td><td>H<\/td><td>12.63X16.69X19.37<\/td><td>NPR 20,000<\/td><td>NPR 7,500<\/td><\/tr><tr><td>10.10<\/td><td>S.D.L. Type L2\/10- 4D1\/L2<\/td><td>L2<\/td><td>15.16X20.87X19.37<\/td><td>NPR 20,000<\/td><td>NPR 9,000<\/td><\/tr><tr><td>10.11<\/td><td colspan=\"3\">Locker Break Open in case of Key Lost<\/td><td colspan=\"2\">As per actual.<\/td><\/tr><tr><td>10.12<\/td><td colspan=\"3\">Locker Surrender Fee<\/td><td colspan=\"2\">Nil<\/td><\/tr><\/tbody><\/table><p>\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16111\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-16111\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">11. Trade Operation<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-16111\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-16111\"><h4>11.1 Letter of Credit &#8211; Import<\/h4><table class=\"table ssc-table\" width=\"100%\"><thead><tr><th style=\"width: 5%;\">S.N.<\/th><th style=\"width: 45%;\">Description<\/th><th style=\"width: 40%;\">Charges<\/th><\/tr><\/thead><tbody><tr><td>11.1.1<\/td><td>Issuance of Letter of Credit<br \/>(Irrevocable\/back to back\/transferable)<\/td><td><ul><li>0.15% per quarter or part credit thereof, min NPR 3,000\/- (for industries)<\/li><li>0.25% per quarter or part credit thereof, min NPR 3000\/- (for trading companies)<\/li><\/ul><\/td><\/tr><tr><td>11.1.2<\/td><td>Revolving -in the terms of value\/validity<\/td><td>0.25% per quarter or part credit thereof, min NPR 3,000.00 drawing up to face value will be free of charges, thereafter 0.15% will be levied on each reinstatement of value\/validity.<\/td><\/tr><tr><td>11.1.3<\/td><td>Cancellations of L\/C<\/td><td>NPR 2,000.00<\/td><\/tr><tr><td>11.1.4<\/td><td>Swift Communication Charge (for L\/C Issuance)<\/td><td>NPR 2,500.00<\/td><\/tr><tr><td rowspan=\"3\">11.1.5<\/td><td>Amendment<\/td><td>0.15% per quarter or part thereof, min. NPR 3,000 (for industries)<\/td><\/tr><tr><td>For time extension of extension of expiry and \/ or increase in value<\/td><td>0.25 % per quarter or part credit thereof, min NPR 3,000<br \/>(for trading companies)<\/td><\/tr><tr><td>Time extension within the same quarter OR Amendment other than time extension and increase in value.<\/td><td>NPR 2,000.00<\/td><\/tr><tr><td>11.1.6<\/td><td>BCI report sharing charge<\/td><td>Minimum NPR 1,000.00<\/td><\/tr><tr><td>11.1.7<\/td><td>Letter of Credit Overdrawn Comission<\/td><td>As per the issuance charge for overdraw amount or minimum NPR 2,000<\/td><\/tr><\/tbody><\/table><h4>11.2 Letter of Credit \u2013 Export<\/h4><table class=\"table ssc-table\" width=\"100%\"><thead><tr><th>S.N.<\/th><th>Description<\/th><th>Charges<\/th><\/tr><\/thead><tbody><tr><td>11.2.1<\/td><td><ul><li>Advising L\/C<\/li><li>Advising L\/C amendment<\/li><\/ul><\/td><td><ul><li>NPR 3,000.00<\/li><li>NPR 2,500.00<\/li><\/ul><\/td><\/tr><tr><td>11.2.2<\/td><td>Confirmation Adding (Subject to prior arrangement)<\/td><td>As agreed with the customer.<\/td><\/tr><tr><td rowspan=\"3\">11.2.3<\/td><td><p><strong>Transfer of Credit<\/strong><\/p><ul><li>For a simple transfer of whole documentary credit<\/li><li>For Partial transfer<\/li><\/ul><\/td><td><ul><li>NPR 3,500.00<\/li><li>0.125% of transferred value or minimum NPR 2,000.00<\/li><\/ul><\/td><\/tr><\/tbody><\/table><h4>11.3 Bills \u2013 Import<\/h4><table class=\"table ssc-table\" width=\"100%\"><thead><tr><th>S.N.<\/th><th>Description<\/th><th>Charges<\/th><\/tr><\/thead><tbody><tr><td>11.3.1<\/td><td>Commission on loan for import bill without limit or exhausted limit<\/td><td>Minimum NPR 2,500<\/td><\/tr><tr><td>11.3.2<\/td><td>Import Bill Payment<\/td><td>NPR 2,000.00<\/td><\/tr><tr><td>11.3.3<\/td><td>Direct Reimbursement<\/td><td>As agreed with the customer for the import loan facility<\/td><\/tr><tr><td>11.3.4<\/td><td>Collection Bill received ( Import bills without L\/C)<\/td><td>0.25% on bill value or minimum NPR 2500.00<\/td><\/tr><tr><td>11.3.5<\/td><td>Collection Bill received &#8211; DAA<\/td><td>0.5% or minimum NPR 2500.00 per quarter<\/td><\/tr><tr><td>11.3.6<\/td><td>Acceptance (usance L\/C ) Commission<\/td><td>0.10% per month or minimum NPR 2,500.00<\/td><\/tr><tr><td>11.3.7<\/td><td>SWIFT Communication Charge<\/td><td>NPR 1,500.00<\/td><\/tr><tr><td>11.3.8<\/td><td>Issuance of multiple Bi.Bi.Ni under single document<\/td><td>NPR 1,000 per Bi.Bi.Ni.Form<\/td><\/tr><tr><td>11.3.9<\/td><td>Request to return import document (both under LC or Collection)<\/td><td>NPR 2,000;<br \/>Plus applicable Postage\/Courier charge as per serial no. 8<\/td><\/tr><tr><td>11.3.10<\/td><td>Endorsement of copy documents \/ issuance of Delivery Order (DO)<\/td><td>NPR 1,000 for each set of documents<\/td><\/tr><tr><td>11.3.11<\/td><td>Discrepancy Fee<\/td><td><ul><li>USD 75.00 for L\/C issued in USD<\/li><li>EUR 75.00 for L\/C issued in EUR<\/li><li>GBP 75.00 for L\/C issued in GBP<\/li><li>JPY 7,000.00 for L\/C issued in JPY<\/li><li>INR 3,000.00 for L\/C issued in INR<\/li><li>NPR 3,000.00 for L\/C issued in NPR<\/li><li>Equivalent USD 75.00 for L\/C for all other currency<\/li><\/ul><p>Plus SWIFT Communication Charges as per 11.3.7<\/p><\/td><\/tr><tr><td>11.3.12<\/td><td>Issuance of Credit Bi.Bi.Ni. without payment<\/td><td>NPR 1,000 per Bi.Bi.Ni.<\/td><\/tr><\/tbody><\/table><h4>11.4 Bills &#8211; Export<\/h4><table class=\"table ssc-table\" width=\"100%\"><thead><tr><th>S.N.<\/th><th>Description<\/th><th>Charges<\/th><\/tr><\/thead><tbody><tr><td>11.4.1<\/td><td>Export LC Documents Collection\/Processing Fees<\/td><td>NPR 2,500 per set of documents; plus applicable courier\/postage charges as per the serial no. 8<\/td><\/tr><tr><td>11.4.2<\/td><td>Export Bill Purchased\/Negotiated \u2013 Sight<br \/>LC<\/td><td><p><strong>Clean:<\/strong><\/p><ul><li>Up to 15 days \u2013 0.5% on Bill value<\/li><li>Beyond 15 days \u2013 BR + up to 5% premium<\/li><\/ul><p><strong>Discrepant:<\/strong><\/p><ul><li>Up to 15 days \u2013 0.75% on Bill value<\/li><li>Beyond 15 days \u2013 BR + up to 5% premium<\/li><\/ul><\/td><\/tr><tr><td>11.4.3<\/td><td>Export Bill Purchased\/Negotiated \u2013 Usance LC<\/td><td>BR + up to 5% premium<\/td><\/tr><tr><td>11.4.4<\/td><td>Cash Against Document (CAD)<\/td><td>NPR 1,000.00 per CAD<\/td><\/tr><tr><td>11.4.5<\/td><td>SWIFT fee ( follow-up)<\/td><td>NPR 2,000.00<\/td><\/tr><tr><td>11.4.6<\/td><td>Export Cash Incentive processing fee<\/td><td>0.5% on the incentive amount or minimum NPR 5,000<\/td><\/tr><tr><td>11.4.7<\/td><td>Issuance of Letter to custom office against export L\/C<\/td><td>NPR 1,000.00<\/td><\/tr><tr><td>11.4.8<\/td><td>Issuance of amendment letter to custom office against amendment of export L\/C<\/td><td>NPR 500.00<\/td><\/tr><tr><td>11.4.9<\/td><td>Overdue Export Bills (Sight\/Usance)<\/td><td>Penal Charge of 2% per annum in addition to the bill<br \/>purchased charge (from the due date till the date of<br \/>realization)<\/td><\/tr><\/tbody><\/table><h4>11.5 Letter of Guarantee<\/h4><table class=\"table ssc-table\" width=\"100%\"><thead><tr><th>S.N.<\/th><th>Description<\/th><th>Charges<\/th><\/tr><\/thead><tbody><tr><td>11.5.1<\/td><td>Issuance Fee Bid Bond<\/td><td>0.375% per quarter &amp; part thereof or minimum NPR 2,500.00<\/td><\/tr><tr><td>11.5.2<\/td><td>Issuance Fee \u2013 Performance bond<\/td><td>0.4% per quarter &amp; part thereof or minimum NPR 2,500.00<\/td><\/tr><tr><td>11.5.3<\/td><td>Advance Payment Guarantee<\/td><td>0.70% per quarter &amp; part thereof or minimum NPR 2,500.00<\/td><\/tr><tr><td>11.5.4<\/td><td>Amendment<br \/>Increase in value &amp; Time extension<\/td><td>Same as issuance charge<\/td><\/tr><tr><td>11.5.5<\/td><td>Other amendment i.e. without changing expiry date and not increasing value<\/td><td>NPR 1,000<\/td><\/tr><tr><td>11.5.6<\/td><td>Issuance of counter guarantee to other bank<\/td><td>Our charge plus correspondent bank\u2019s charge and SWIFT charge of NPR 2,500.00.<\/td><\/tr><tr><td>11.5.7<\/td><td>Amendment of Counter Guarantee within the quarter for extension, guarantee text\/clause change<\/td><td><ul><li>USD 150.00 for GTEE in USD<\/li><li>EUR 100.00 for GTEE in EUR<\/li><li>GBP 100.00 for GTEE in GBP<\/li><li>INR 3000.00 for GTEE in INR<\/li><\/ul><\/td><\/tr><tr><td>11.5.8<\/td><td>Handling of Guarantee claim<\/td><td>NPR 2,500 per claim<\/td><\/tr><tr><td>11.5.9<\/td><td>Commission on loan for honoring guarantee claim without limit or exhausted limit<\/td><td>NPR 2,500<\/td><\/tr><tr><td>11.5.10<\/td><td>Payment processing fees import under Bank Guarantee<\/td><td>NPR 2,000, Plus SWIFT communication charge as per 11.3.7<\/td><\/tr><\/tbody><\/table><h4>\u00a0<\/h4><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16112\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-16112\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">12. Loan Administration<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-16112\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-16112\"><table class=\"table ssc-table\" width=\"100%\"><thead><tr><th>S.N.<\/th><th>Description<\/th><th>Charges<\/th><\/tr><\/thead><tbody><tr><td>12.1<\/td><td>Credit Check Fee<\/td><td><ul><li>NPR 621.50.00 with customer\u2019s details<\/li><li>NPR 282.50 without details to be obtained<br \/>upfront.<\/li><\/ul><\/td><\/tr><tr><td>12.2<\/td><td>Credit Information Fee (Within Local FIs)<\/td><td>NPR 1,000 per information<\/td><\/tr><tr><td>12.3<\/td><td>Issuance of Letter of Credit Line<\/td><td><ul><li>Up to NPR 100M \u2013 NPR 500<\/li><li>More than NPR 100M- NPR 1,000<\/li><\/ul><\/td><\/tr><tr><td>12.4<\/td><td>No Objection Letter (Within Local FIs)<\/td><td>NPR 2,000 per letter<\/td><\/tr><tr><td>12.5<\/td><td>Loan Against FD\/NSB<\/td><td><ul><li>Against NSB &#8211; 0.25%<\/li><li>Against FD &#8211; Nil<\/li><\/ul><\/td><\/tr><tr><td>12.6<\/td><td><ol><li>Charge on partial release of securities<\/li><li>Zonal registration transfer\/request for new blue book<\/li><li>Partial release of share of Share Loan \/ Margin Loan<\/li><li>Replacement of Fixed Asset Collateral<\/li><\/ol><\/td><td><ol><li>NPR 1000.00<\/li><li>NPR 1000.00<\/li><li>NPR 100.00 per scrip, not exceeding NPR 1,000.00<\/li><li>NPR 5,000<\/li><\/ol><\/td><\/tr><\/tbody><\/table><h4 class=\"heading-bg\">Applicable Loan Related Charges<\/h4><table class=\"table ssc-table\" width=\"100%\"><thead><tr><th>S.N.<\/th><th>Description<\/th><th>Corporate \/ Infrastructure \/ Contractors Finance<\/th><!--<\/p>\n<th>Business Development<\/th>\n<th>Mid-market<\/th>\n<p>--><th>RFS<\/th><\/tr><\/thead><tbody><tr><td rowspan=\"8\">12.7<\/td><td rowspan=\"8\">Loan Administration Fee<\/td><td style=\"vertical-align: top;\"><p><strong>Working Capital Loans<\/strong><\/p><ul><li>Cash Credit: 0.25%<\/li><li>Demand Loan: 0.25%<\/li><li>One-off Loan: 0.25%<\/li><\/ul><\/td><!--<\/p>\n<td style=\"vertical-align: top;\"><p><strong>Working Capital Loans<\/strong><\/p>\n<ul>\n<li>Overdraft: 0.50%<\/li>\n<li>Demand Loan: 0.50%<\/li>\n<li>Supply Finance : 0.75%<\/li>\n<li>Sana Byawasai Karja :1%<\/li>\n<li>Constructions Business Maximum : 0.50%<\/li>\n<li>One-off Loan: 0.75%<\/li>\n<\/ul>\n<\/td>\n<td style=\"vertical-align: top;\"><p><strong>Working Capital Loans<\/strong><\/p>\n<ul>\n<li>Overdraft: 0.50%<\/li>\n<li>Demand Loan: 0.50%<\/li>\n<li>Supply Finance: 0.75%<\/li>\n<li>One-off Loan: 0.50%<\/li>\n<\/ul>\n<\/td>\n<p>--><td style=\"vertical-align: top;\"><p><strong>Sana Byawasai Karja<\/strong><\/p><ul><li>Working Capital Loans: 0.75%<\/li><li>Term Loans: 0.75%<\/li><li>Supply Finance: 0.75%<\/li><li>Trust Receipt Loan: 0.75%<\/li><li>Demand loan against local LC: 0.75%<\/li><li>One-off Loan: 0.75%<\/li><\/ul><\/td><\/tr><tr class=\"no-bgcolor\"><td style=\"vertical-align: top;\"><p><strong>Trade Finance<\/strong><\/p><ul><li>Trust Receipt \/Import Loan 0.25%<\/li><li>Demand Loan against Local LC: 0.25%<\/li><li>Export Loan: 0.25%<\/li><li>Domestic bills LCY: 0.25%<\/li><li>Export Bill: 0.25%<\/li><li>One-off Loan: 0.35%<\/li><\/ul><\/td><!--<\/p>\n<td style=\"vertical-align: top;\"><p><strong>Trade Finance<\/strong><\/p>\n<ul>\n<li>Trust Receipt \/Import Loan 0.50%<\/li>\n<li>Trust Receipt FCY- 0.10% on disbursed amount.<\/li>\n<li>Demand Loan against Local LC: 0.50%<\/li>\n<li>Export Loan: 0.50%<\/li>\n<li>Domestic bills LCY: 0.50%<\/li>\n<li>Export Bill: 0.50%<\/li>\n<li>One-off Loan: 0.75%<\/li>\n<\/ul>\n<\/td>\n<td style=\"vertical-align: top;\"><p><strong>Trade Finance<\/strong><\/p>\n<ul>\n<li>Trust Receipt \/Import Loan 0.50%<\/li>\n<li>Demand Loan against Local LC: 0.50%<\/li>\n<li>Export Loan: 0.75%<\/li>\n<li>Domestic bills LCY: 0.75%<\/li>\n<li>Export Bill: 0.75%<\/li>\n<li>One-off Loan: 0.50%<\/li>\n<\/ul>\n<\/td>\n<p>--><td style=\"vertical-align: top;\"><p><strong>Trade Finance<\/strong><\/p><ul><li>Export Loan: 0.75%<\/li><li>Domestic bills LCY: 0.75%<\/li><li>Export Bill: 0.75%<\/li><li>One-off Loan: 0.75%<\/li><\/ul><\/td><\/tr><tr class=\"no-bgcolor\"><td style=\"vertical-align: top;\"><p><strong>Terms Loans<\/strong><\/p><ul><li>Term Loan: 0.50%<\/li><\/ul><\/td><!--<\/p>\n<td style=\"vertical-align: top;\"><p><strong>Terms Loans<\/strong><\/p>\n<ul>\n<li>Term Loan: 0.75%<\/li>\n<\/ul>\n<\/td>\n<td style=\"vertical-align: top;\"><p><strong>Terms Loans<\/strong><\/p>\n<ul>\n<li>Term Loan: 0.75%<\/li>\n<\/ul>\n<\/td>\n<p>--><td style=\"vertical-align: top;\"><p><strong>Terms Loans<\/strong><\/p><ul><li>Commercial Vehicle Loans: 0.75%<\/li><li>Laghu Udhyami Karja: 0.75%<\/li><\/ul><\/td><\/tr><tr class=\"no-bgcolor\"><td><strong>Non-Funded: 0.25%<\/strong><\/td><!--<\/p>\n<td><strong>Non-Funded: 0.25%<\/strong><\/td>\n<td><strong>Non-Funded: 0.25%<\/strong><\/td>\n<p>--><td style=\"vertical-align: top;\"><p><strong>Consumption Loans<\/strong><\/p><ul><li>Auto Loan: 0.75%<\/li><li>Home Loan: 0.75%<\/li><li>Home Equity: Loan: 0.75%<\/li><li>Personal Loan: 0.75%<\/li><li>2 Wheeler Loan: 0.75%<\/li><li>Educational Loan: 0.75%<\/li><li>Loan Against Gold: 0.75%<\/li><li>Lifestyle Loans: 0.25%<\/li><li>Life Insurance Linked Loans: 0.25%<\/li><\/ul><\/td><\/tr><tr class=\"no-bgcolor\"><td><p><strong>Deprived Sector &amp; Microfinance Loans<\/strong><\/p><p>Wholesale Loans: 0.25%<\/p><\/td><!--<\/p>\n<td><\/td>\n<td><\/td>\n<p>--><td style=\"vertical-align: top;\"><p><strong>Deprived Sector &amp;Micro Loans<\/strong><\/p><ul><li>Wholesale Loan: 0.25%<\/li><li>Low Cost Housing: 0.25%<\/li><li>Live Stock Loan: 0.75%<\/li><li>Tractor\/eRickshaw Loan: 0.75%<\/li><li>Other MSME Loan: 0.75%<\/li><li>Laghu Karja: 0.75%<\/li><li>Dhanya Krishi Karja: 0.75%<\/li><\/ul><\/td><\/tr><tr class=\"no-bgcolor\"><td>\u00a0<\/td><!--<\/p>\n<td><\/td>\n<td><\/td>\n<p>--><td style=\"vertical-align: top;\"><strong>Non-Funded: 0.25%<\/strong><\/td><\/tr><tr class=\"no-bgcolor\"><td>\u00a0<\/td><!--<\/p>\n<td><\/td>\n<td><\/td>\n<p>--><td style=\"vertical-align: top;\"><p><strong>Lending to Microfinance Institutions<\/strong><\/p><ul><li>Overdraft: 0.50%<\/li><li>Demand Loan: 0.50%<\/li><li>Term Loan: 0.50%<\/li><\/ul><\/td><\/tr><tr class=\"no-bgcolor\"><td>\u00a0<\/td><!--<\/p>\n<td><\/td>\n<td><\/td>\n<p>--><td style=\"vertical-align: top;\"><p><strong>Other Loans<\/strong><\/p><ul><li>Loan Against Shares: 0.50%<\/li><\/ul><\/td><\/tr><tr class=\"table-bgcolor\"><td>12.8<\/td><td>Loan Renewal Fee<\/td><td colspan=\"4\">0.15% of the loan amount<\/td><\/tr><tr class=\"no-bgcolor\"><td>12.9<\/td><td>Prepayment \/ Swap Fee<br \/><em>(Applicable for loan amount exceeding NPR 5,000K only)<\/em><\/td><td colspan=\"3\"><p><strong>Loan Prepayment Fee<\/strong><\/p><ul><li>Prepayment within 2 Years of disbursal: 0.75% of the amount being prepaid<\/li><li>Prepayment after 2 Years but within 5 Years of disbursal: 0.375% of the amount being prepaid<\/li><li>Prepayment after 5 Years of disbursal: 0.15% of the amount being prepaid<\/li><\/ul><p><strong>Loan Swap Fee<\/strong><\/p><ul><li>Swap within 2 Years of disbursal: 0.75% of the amount being swapped<\/li><li>Swap after 2 Years but within 5 Years of disbursal: 0.375% of the amount being swapped<\/li><li>Swap after 5 Years of disbursal: 0.15% of the amount being swapped<\/li><\/ul><p><em>For amortizing loans with Fixed Interest Rate, Prepayment\/Swap Fee of 0.75% shall be applicable<br \/>throughout the tenure of the loan<\/em><\/p><\/td><td>\u00a0<\/td><\/tr><tr><td>12.10<\/td><td>Commitment Fee<\/td><td colspan=\"4\">Revolving Limit: 0.15% per annum on unutilized revolving limit (if average annual loan<br \/>outstanding is less than 60% of approved limit, commitment fee shall be recovered for the deficit % i.e.<br \/>if utilization is 50% commitment fee shall be charged on 10%).<br \/>Amortizing Limit: One-time fee of 0.15% of undrawn portion of the approved amortized loan<\/td><\/tr><tr><td>12.11<\/td><td>Facility amendment fee on Education Loan<\/td><td colspan=\"4\"><ul><li>NPR 500<\/li><\/ul><\/td><\/tr><\/tbody><\/table><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16113\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-16113\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">13. Nil Charges <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-16113\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-16113\"><table class=\"table ssc-table\" width=\"100%\"><thead><tr><th>S.N.<\/th><th>Description<\/th><th>Charges<\/th><\/tr><\/thead><tbody><tr><td>13.1<\/td><td>Stop Payment of Cheque<\/td><td>Nil<\/td><\/tr><tr><td>13.2<\/td><td>Account Closure within Six Months<\/td><td>Nil<\/td><\/tr><tr><td>13.3<\/td><td>ABBS charge<br \/>Deposited\/Withdrawal into account<br \/>other than domicile branch.<\/td><td>Nil<\/td><\/tr><tr><td>13.4<\/td><td>Issuance of Balance Certificate<\/td><td>Nil<\/td><\/tr><tr><td>13.5<\/td><td>Cheque Certified \u201cGood For Payment\u201d<\/td><td>Nil<\/td><\/tr><tr><td>13.6<\/td><td>Issuance of Cheque book<\/td><td>Nil<\/td><\/tr><tr><td>13.7<\/td><td>Dormant Release fee<\/td><td>Nil<\/td><\/tr><tr><td>13.8<\/td><td>ATM cash withdrawal (On us)<\/td><td>Nil<\/td><\/tr><tr><td>13.9<\/td><td>Cheque Return Advice at Counter<\/td><td>Nil<\/td><\/tr><\/tbody><\/table><p>\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16114\" class=\"elementor-tab-title\" data-tab=\"14\" role=\"button\" aria-controls=\"elementor-tab-content-16114\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">14. Third Party Charges<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-16114\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"region\" aria-labelledby=\"elementor-tab-title-16114\"><p>\u00a0<\/p><table class=\"table ssc-table\" width=\"100%\"><thead><tr><th>S.N.<\/th><th>Description<\/th><th>Charges<\/th><\/tr><\/thead><tbody><tr><td>14.1<\/td><td>Blacklisting \/Delisting<br \/>(Loan default\/Cheque Bounce)<\/td><td><ul><li>NPR 2,260 per listing &amp; de-listing of the borrower with loan<br \/>facility\/ Cheque bounce amount below 10 million.<\/li><li>NPR 3,390 per listing &amp; de-listing of the borrower with loan<br \/>facility\/Cheque bounce amount equal\/above 10 million<\/li><\/ul><\/td><\/tr><tr><td>14.2<\/td><td>ECC Outward presentment fee LCY<br \/>\/FCY Cheques<\/td><td><p><strong>LCY Cheques<\/strong><\/p><ul><li>Upto NPR 200K &#8211; Nil<\/li><li>Above 200K &#8211; NPR 15<\/li><\/ul><p><strong>FCY Cheques<\/strong><\/p><ul><li>NPR 15 (Any FCY amount)<\/li><\/ul><p><em><strong>Note:<\/strong> ECC \/ transfer fee for transactions initiated by Government<br \/>Institutions i.e., Ko. Lo. Ni. Ka, village Developments etc. is Nil<\/em><\/p><\/td><\/tr><tr><td>14.3<\/td><td>ECC charges &#8211; Outward Cheques<br \/>presented through highvalue\/express clearing session<\/td><td>NPR 100 per cheque<\/td><\/tr><tr><td>14.4<\/td><td>NCHL IPS Charges LCY<br \/>(Including Inter Bank Deposit)NCHL IPS Charges FCY<\/td><td><ul><li>Up to NPR 500 &#8211; NPR 2\/-<\/li><li>Above NPR 500 to NPR 50K &#8211; NPR 5\/-<\/li><li>Above 50K &#8211; NPR 10\/-<\/li><\/ul><ul><li>NPR 10 (Any FCY amount)<\/li><\/ul><p><em><strong>Note:<\/strong> Nil charges for Dividend refund payment amount up to NPR<br \/>100\/-<\/em><\/p><\/td><\/tr><tr><td>14.5<\/td><td>NCHL Connect IPS Charges<br \/>(Including Inter Bank Deposit)<\/td><td><ul><li>Up to NPR 500 &#8211; NPR 2\/-<\/li><li>Above NPR 500 to NPR 5K &#8211; NPR 4\/-<\/li><li>Above 5K &#8211; NPR 8\/-<\/li><\/ul><\/td><\/tr><tr><td>14.6<\/td><td>Real Time Gross Settlement (RTGS)<\/td><td>Morning Session (10.30 AM -1.30 PM): NPR 10<br \/>Afternoon Session (1.31 PM- 3.00 PM): NPR 20<\/td><\/tr><tr><td>14.7<\/td><td>Blacklist Report<\/td><td>NPR 282.50<\/td><\/tr><tr><td>14.8<\/td><td>STR Notices<\/td><td>NPR 565<\/td><\/tr><tr><td>14.9<\/td><td>NCHL Retrieval Charge for the period of 3 months to 1 year<\/td><td>NPR 200<\/td><\/tr><\/tbody><\/table><p><em>All third-party charges shall be taken as per actual basis. Any changes on their charges shall be changed accordingly.<br \/><\/em><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16115\" class=\"elementor-tab-title\" data-tab=\"15\" role=\"button\" aria-controls=\"elementor-tab-content-16115\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">15. Others<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-16115\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"15\" role=\"region\" aria-labelledby=\"elementor-tab-title-16115\"><p>\u00a0<\/p><table class=\"table ssc-table\" width=\"100%\"><thead><tr><th>S.N.<\/th><th>Description<\/th><th>Charges<\/th><\/tr><\/thead><tbody><tr><td>15.1<\/td><td>Information Processing Fees under the Right to Information (RTI) Act<\/td><td><ul><li>Nil<\/li><li>NPR 1000.00 per information<br \/>(Depending on the Complexity of Sourced Information)<\/li><\/ul><\/td><\/tr><tr><td>15.2<\/td><td>Cheque Dishonor Certificate \/ Blacklisting Withdrawal Charges <br \/>(<em>if customer withdraw the request after issuance of 7 days&#8217;\/45 days&#8217; notice<\/em>)<\/td><td>NPR 500 Per Request<\/td><\/tr><tr><td>15.3<\/td><td>Correspondence made to regulatory bodies for approval at the request of application<\/td><td><p><span style=\"font-family: inherit; font-size: 17px;\">NPR 500 per correspondence<\/span><\/p><\/td><\/tr><\/tbody><\/table><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16116\" class=\"elementor-tab-title\" data-tab=\"16\" role=\"button\" aria-controls=\"elementor-tab-content-16116\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"icon icon-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">16. General Terms and Conditions<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-16116\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"16\" role=\"region\" aria-labelledby=\"elementor-tab-title-16116\"><ul><li>The fees as per latest NRB Directive shall prevail all the time.<\/li><li>By using or subscribing services, the customer also allows the bank to debit applicable charges and commission from<br \/>the customer\u2019s account.<\/li><li>Charges\/commissions are subject to change upon bank\u2019s discretion.<\/li><li>Waivers or discounts on the commission\/ charges if applicable will be agreed between the Bank and the customer<br \/>before using the service.<\/li><li>The charges\/commission depending on the pricing structure may be one time or recurring.<\/li><li>If charges\/commissions are missed for whatsoever reason, the customer allows the Bank to process the charges in<br \/>bulk.<\/li><li>For cancellation, the customer has to follow the process as defined by the Bank. Irrespective of whether the service is<br \/>used or not as long as the customer still holds a subscription the bank may charge the customer.<\/li><li>If you have any doubts or confusion regarding the charges, customers are requested to contact our nearest branch.<\/li><li>On charge related to service from third party shall be amended as advised by respective party.<\/li><li>Immediate family members refer to Spouse and Children only.<\/li><li>\u00a0<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Providin services such as ATM Card, Credit Card, USD Prepaid Travel Card, SMS (Mobile) Banking, Internet Banking (iBank) Services, Email Alerts, Mobile Money and many 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