SN

Particulars

Fees,  Commission & Charges

1

DRAFT

a.

INR Draft

Customer: 0.15% or minimum of Rs.500.00

Non Customer: 0.25% or minimum of Rs 750

b.

USD Draft

Customer: 0.25% or minimum of Rs.1,000.00  plus demand draft confirmation charge MT 110 Rs 1,000

Non Customer: 0.3% or minimum of Rs 1,500.00  plus demand draft confirmation charge MT 110 Rs 1,000

c.

GBP Draft

Customer: 0.25% or minimum of Rs.1,000  plus demand draft confirmation charge MT 110 Rs 1,000

Non Customer: 0.3% or minimum of Rs 1500  plus demand draft confirmation charge MT 110 Rs 1,000

d.

EURO Draft

Customer: 0.25% or minimum of Rs.1,000 plus demand draft confirmation charge MT 110 Rs 1,000

Non Customer: 0.3% or minimum of Rs 1,500 plus demand draft confirmation charge MT 110 Rs 1,000

e.

AUD Draft

Customer: 0.25% or minimum of Rs.1,000 plus demand draft confirmation charge MT 110 Rs 1,000

Non Customer: 0.3% or minimum of Rs 1500 plus demand draft confirmation charge MT 110 Rs 1,000

   2

 Applicable Inward & Outward SWIFT Charges/Activity Fees(Fed/Chips/Book)

a.

 MT1nn Receipts (Fed/Chips/Book) in USD

USD 10.00

b.

MT1nn Receipts

(Fed/Chips/Book) in GBP

GBP 15.00

c.

MT1nn Receipts

(Fed/Chips/Book) in EUR

EUR 10.00

d.

MT1nn Receipts

(Fed/Chips/Book) in JPY

JPY 3,000.00

e.

MT 103 (INR)

Customer: 0.15% or minimum of Rs.500.00 plus SWIFT charge of Rs.1,000. If charges is “OUR” additional charges of INR. 400.00 is to be deducted.

Non customer: 0.25% or minimum of Rs 1000 plus Swift Charge and INR 400 if charges is "OUR"

f.

MT 103 (USD) (Fed/Chips/Book)

Customer: 0.25% or minimum of Rs 1,000.00 plus SWIFT charge of Rs. 1,000.00. If charges is “OUR” in SWIFT message, additional charges as follows:

Less than USD 5,000.00       : USD 30.00

USD 5000 to USD 10,000     : USD 35.00

Above USD 10,000                : USD 50.00

For Non Customer: 0.30% or minimum of Rs 1,500 plus SWIFT charge of Rs 1,000 and charges as above if  "OUR" in SWIFT message

If Charges is “SHA” or “BEN” in SWIFT message, Charges are NIL.

g.

 MT 103 (EURO/GBP)  (Fed/Chips/Book)

Customer: 0.25% or minimum of Rs 1,000.00 plus SWIFT charge of Rs. 1,000.00.

For Non Customer: 0.30% or minimum of Rs 1,500 plus SWIFT charge of Rs. 1,000.00 and Add charges if  "OUR"

If charges is "OUR”, then additional EURO 60.00 /GBP 55.00 to be deducted immediately

If Charges is “SHA” or “BEN” in SWIFT message, Charges are NIL

h.

 MT 103 (JPY)  (Fed/Chips/Book)

Customer: 0.25% or minimum of Rs 1,000.00 plus SWIFT charge of Rs. 1,000.00.

For Non Customer: 0.30% or minimum of Rs 1500 plus SWIFT charge of Rs. 1,000.00

If charges is "OUR ", then additionally, JPY 11,000 to be deducted immediately.

If Charges is “SHA” or “BEN” in SWIFT message, Charges are NIL.

i.

MT 103 (AUD)

Customer: 0.25% or minimum of Rs 1,000.00 plus SWIFT charges of Rs. 1,000.00.

Non Customer: 0.30% or minimum of Rs 1,500 plus SWIFT charges of Rs. 1,000.00

If nostro bank charge is "OUR", then additionally, AUD 75.00 to be deducted Immediately.

If Charges is “SHA” or “BEN” in SWIFT message, Charges are NIL.

j.

MT 103 (AED)

Customer: 0.25% or minimum of Rs 2,500.00 plus SWIFT charges of Rs. 1,000.00 if counterparty inside UAE and 0.25% or minimum Rs. 4,000 plus SWIFT Charge Rs. 1,000.00 if counterparty outside UAE

Non Customer: 0.30% or minimum of Rs 3,000 plus SWIFT charges of Rs. 1,000.00 if counterparty inside UAE and 0.30% or minimum Rs. 4,500 plus SWIFT Charge Rs. 1,000.00 if counterparty outside UAE

If nostro bank charge is "OUR", then additionally, AED 120.00 to be deducted immediately.

If Charges is “SHA” or “BEN” in SWIFT message, Charges are NIL

k.

Incoming MT 202 (Cover)

USD 5.00

l.

Outgoing MT 202 

USD- USD 10.00

EUR – EUR 25

GBP – GBP 5

JPY – JPY 400

CNY- CNY 60

AED – AED 50

AUD – AUD 15

3

Inward Remittance Transfer to Other Banks in Nepal

Free

4

Cash Management Service

• Charge of Rs. 500/- or 0.025% of amount remitted, whichever is higher per deposit/transaction shall be deducted as commission and all other charges associated with in-house collection
• CMS setup fee of Rs. 1,000/- per client will be charged one time for using the CMS service.
• Rs. 500/- flat per return instrument plus interest at our prevailing PLR plus 4% for the period HDFC Bank is out of fund on account of such instruments.

SN

Particulars

Fees,  Commission & Charges

1

Outward Cheque/DD Collection

a.

Local

0.15% or minimum of Rs 200.00 plus applicable courier charges

 b.

FCY including INR

0.15% or minimum Rs.2,000.00 plus applicable courier charge (Confirmation to be obtained from Treasury Department)

2

Cheque Returned / Unpaid Charge

GBP 80.00 (For GBP cheque)

SN

Particular

Fees, Commission & Charges

1

Bid Bond

0.25% per quarter or a part thereof with minimum of Rs. 750.00

2

Performance Bond/ Credit Supply Guarantee

0.375% per quarter or a part thereof with minimum of Rs. 1,000.00/ 0.60% per quarter or a part thereof with minimum of Rs. 2,500.00

3

Advance Payment Guarantee

0.40% per quarter or a part thereof with minimum of Rs. 1,000.00

4

Financial Guarantee

0.40% per quarter or a part thereof with minimum of Rs. 1,000.00

5

Counter Guarantee

a. For Foreign Guarantee

0.25% per quarter or a part thereof with minimum of Rs1,000.00, plus commission/charges of other bank

b. For Local Guarantee

0.25% per quarter or a part thereof with minimum of Rs1,000.00, plus commission/charges of other bank

6

Customs Guarantee for Exporters

0.375% per quarter or a part thereof with minimum of Rs. 1,000.00

7

Other Guarantees

0.40% per quarter or a part thereof with minimum of Rs. 1,000.00

8

Guarantee Claim Handling Charge

Rs.4,500 per claim settlement plus other relevant charges, if any

9

Guarantee Amendment Charges

a. Amendment in Value     and/or Time

Same as Guarantee Issuance Charges

b. Other Amendments

Rs.1,500 per amendment

10

Credit Line certificate /other certificate/letter Issuance Charge.

Rs.1,500  Per Certificate/letter  issuance

11

Swift charge for MT760

Rs 2000

12

Court/CIAA  or similar nature  related Guarantee

 2% per quarter or a part thereof with minimum of Rs. 10,000

13

Credit Line

Equivalent to Commission of Bid Bond for 2 quarters or minimum NPR 1,500.00, whichever is higher

14

Guarantee instrument (Pratilipi) Issuance Charge

Rs.2,000 per Pratilipi

15

Guarantee Text re-issuance charge on the request of applicant

Rs 1,000 Per Re-issuance

SN

Particulars

Fees, Commission & Charges

1

Advising Charges

a

Export LC

Rs.3,500 per LC Advising

b

Amendment export LC

Rs.3,500 per LC Amendment  Advising

2

Export LC Transfer Charge

a

Full

Rs. 3,000.00 for each transfer

b

Partial

For partial transfer charges shall be refunded if the export bills are negotiated with the bank.

c

Export LC Cancellation Charge

Rs.3,000/- flat for full unutilized LC outstanding plus SWIFT charge and other bank charges, if any

3

Export LC Confirmation Charge

0.25% per quarter or a part thereof with minimum of Rs 1,000.00

4

Export LC Negotiation Commission

a

Clean Sight Documentary Bills

0.40% for up to 15 days or minimum of Rs 1,000.00

b

Discrepant Sight Documentary Bills

0.45% for up to 15 days or minimum of Rs 1,500.00

c

Usance Documentary Bills

As per negotiated rate.

d

Overdue Interest for Docs Negotiation/document purchase

Bank  highest Interest  Rate  for        overdue  period

5

Export Bill collection  commission including Cash Against Document(CAD) and LC  (Foreign)

0.20% or Minimum Rs. 3,000 plus communication charge

6

Local Documentary Bills purchase

0.30% (for up to 7 days) or Rs. 500.00 plus swift/courier exp

7

Documentary Bills Collection (Local)

0.15% p.a. or Rs 2,000 plus courier charge

8

Issuance of Advance Payment Certificate

Rs.750.00

9

Export LC cancellation charge

Rs.3,000 flat for full unutilized LC outstanding plus swift charges and other bank charges if any

SN

Particulars

Fees,  Commission & Charges

1

Cheque Returned Due to Insufficient Balance

Rs.500.00

2

Stop Payment Cheque Request

Free

3

Standing Instruction 

(except for loan transaction)

Rs.350 per instruction and per year.

(Not applicable for transferring fund between Call and Current accounts of Financial Institutions, Insurance Companies, Government Accounts and Government Own Companies/Corporations, Similarly, between Savings/Current of same customer and Recurring Deposit account of same customer as well as for SIP of same customer)

4

Manager's Cheque (MC)/ NPR Demand Draft

Rs 500.00 for the account holders of the bank and Rs.1,000.00 for non-account holders (either cash payment or account debit from other account and Charges is only applicable if issued on customer’s request)

5

Good for Payment Cheque

Free

6

Courier Charge per Consignment

a.

Nepal

Rs.200.00 per consignment

b.

India

Rs.500.00 per consignment

c.

Other Countries

Other SAARC Countries­ Rs.1,000, USA and Other Foreign Countries: Rs.2,000.00

7

SWIFT Communication Charge  

Rs. 1,000.00

8

Balance Certificate Issue Charge

Free for system printed. Rs.600 is applicable for manually prepared or customized Balance Certificate.

9

Balance Reconfirmation Charge

Rs.1,000.00 each for additional balance certificate issued from same account within a month as per Nepali Calendar.

10

Advance Payment Certificate

Rs. 750.00

11

Loss of cheque book/ Issuance of Cheque Without Requisition Slip

Rs. 250.00 up to 10 leaves

Rs. 500.00 above 10 leaves

Rs. 300 for cheque issuance without requisition slip

12

FCY Purchase or Cash Deposit into FCY A/C

(For denomination below 50 note of USD other convertible currency)

0.50 % of transaction amount of such denominations.

13

Draft Cancellation/ Stoppage Charges

Cancellation by presenting physical Draft: Rs. 1,000.00 and applicable SWIFT Charge

Stop Payment: Rs.1,000.00 and applicable SWIFT Charges plus USD 10.00 or GBP 50.00 or EURO 40.00 or JPY 5,000.00 as applicable.

14

Statement Reprint Charge

Rs 20 per page or Rs 300 whichever is higher

15

Loose Cheque

Rs.250 per Cheque

16

NRB Cheque Issuance

Rs.500.00 per cheque

17

NRB Cheque/Manager’s Cheque /Good for Payment cheque Cancellation Charge

Rs.500.00

18

Withdrawal Slip Issuance Charge

Rs.100.00

19

Fund Transfer Form Issuance Charge

Rs.200

(Not applicable if fund is transferred to  customer’s own  account including loan accounts or for the purpose of opening FD)

20

FD Receipt Reprint Charge

Rs. 500

21

Certificate Issuance Charge

Rs.750.00

(All kinds of certificates or letters issued on behalf of customer to authenticate, certify or provide information)

22

Debit/Credit Advice

Rs. 250 per transaction, if request is made after 3 months from the date of transaction.

23

TDS Certificate Reissuance Charge

Rs. 250 for each additional certificate issued corresponding to same Fiscal Year. 

24

FD Premature Charge

2% interest rate will be deductible from the applicable interest rate on FD for FD remained period at the time of closing the FD or the interest rate that was prevailing on FD for the FD remained period at the time of opening the FD, whichever is low.

If FD has remained for less than 3 months, lowest interest rate of Saving Account will be paid.

25

Cheque book not collected within 1 year ( to be charged at the time for destruction)

Rs.300 up to 10 leaves

Rs.500 above 10 leaves.

26

Document/Record Retrieval Charge

(Not applicable if request has been made by Government Agencies)

Free up to 1 month

Rs 200 for above 1 month to 3 months

Rs.300.00 for above 3 months and up to 1 year

Rs.500.00 above 1 year and up to 2 years

Rs.1,000.00 above 2 years

27

Mobile Banking Fee

Free Registration Fee for 3 months and Rs. 350 renewal fee for individual customer (Additional Rs.350 for additional accounts linked in same number not associated with primary CIF whereas free in case of account linked of minor where primary CIF is the guardian of minor account holder

Rs.500 Registration Fee and renewal fee for corporate/institutional.

28

Mobile Banking Password Regeneration fee

Rs.50.00

29

Mobile number change in mobile banking  

Rs. 100.00

30

Internet Banking Fee

For Individual Rs 250.00 Registration fee and Rs. 250.00 Annual Renewal Fee.

For Corporate/Institutional Rs. 500 registration fee and Rs. 500 Annual renewal fee

31

E-banking Password Regeneration fee

Rs.50.00

32

Email Alert fee

Free

33

Online Fee payment Charge

For All types of online payments:

Rs.550 per transaction for Transaction less than or equal to USD 3,000.00

Rs. 1,000.00 per transaction for Transaction greater that USD 3,000.00 and equals to USD 5000

Rs. 1,500.00 per transaction for Transaction greater that USD 5,000.00         

For ICAI Fee Payment: Rs.250 per transaction.

34

DEMAT Charges

a.

Demat Account Opening Commission

Rs. 50.00

b.

Demat  Account Operation Yearly Comm.

Rs. 100.00 per annum

c.

Demat Securities Transfer Fee

Rs. 25.00

d.

Demat Pledging Commission

Rs. 50.00

e.

Demat Account Stoppage Commission

Rs. 25.00

f.

Demat Re-Materialization Commission

Rs. 50.00

g.

ASBA Commission per application

Rs. 5.00

35

Account Closing

Free

36

 Account Scheme Code Change

Rs.500 (Not applicable to Privileged Customers and staff salary account to normal scheme of resigned staffs.)

37

Foreign Direct Investment Certificate Issuance Charge

Rs.1,000 per certificate

38

Export Cash Incentive Document Processing Charge

Rs.2,000 for each set of documents

39

Service Charge (Credit Facility )

a.

Processing fee for consumer loan

0.75% on total loan amount

b.

Processing fee for commercial / corporate loan

0.5% on total loan amount

c.

Commitment fee for Term Loan

20% of initially charged management fee on undrawn amount

d.

Prepayment Charge

Upto 100% of initially charged management fee within 2 years of loan disbursed, upto 50% of initially charged management fee between 2 years to 5 years of loan disbursed and upto 20% of initially charged management fee for above 5 years of loan disbursed.

40

Cross Bank QR payment Charges

a.

Up to NPR 25,000/-

Rs. 50.00

b.

NPR 25,001.00- NPR 75,000.00

Rs. 75.00

c.

NPR 75,001.00 and above

Rs. 100.00

41

Account Name correction Charges due to customer error or request

Rs 250

42

CCTV footage retrieval charge (View only)

Rs 500 except for government office request

43

Rapid API Banking Services

Rs. 1,000.00 per annum per account

Locker Sizes

Merged To

 Rental Charge

Security Deposit

H4 W7 D19

H6 W8 D19

Rs.3,000

Rs.10,000

H5 W7 D20

H6 W8 D19

H6 W8 D20

H6 W8 D21

H6 W8 D22

H6 W8 D22.50

H07 W08 D22.50

H6 W16 D19

Rs.4,500

Rs.12,000

H07 W10 D19

H6 W16 D19

H6 W16 D22.50

H06 W16 D20

H12 W08 D20

H06 W16 D21

H12 W08 D21

H12 W08 D22

H12 W8 D19

H12 W8 D19

Rs.4,500

Rs.12,000

H12 W8 D22.50

H6 W21 D19

H7 W21 D19

Rs. 5,000

Rs. 15,000

H7 W21 D19

H12 W16 D19

H12 W16 D19

Rs.5,500

Rs.20,000

H12 W16 D21

H11 W21 D19

Rs. 7,000

Rs. 20,000

H12 W16 D22

H12 W16 D22.50

H11 W21 D19

H15 W21 D19

H15 W21 D19

Rs. 8,000

Rs. 25,000

Locker Surrender Charge

Rs.1,000/- flat charge. Rs.500 is applicable if date of last locker rental charge or annual service charge recovery has not crossed 6 months.
(Charge is not applicable if customer shifts locker facility from one branch to another or switches to bigger locker size, provided annual service charge of new locker is paid)

Locker Break Open/Replacement of Key

Rs.2,000 plus actual cost

Locker Overdue Charge

Rs 200

 Citizens Fonepay Virtual Credit Card

SN

Particulars

Fees,  Commission & Charges

1

Electronic Cheque Clearing (ECC) Charges

a.

Cheque below Rs. 200,000

No charge

b.

Cheque above Rs. 200,000.01

Rs. 15.00 per cheque

c.

FCY Cheque

Rs. 15.00 per cheque

d.

Special Clearing (Express)

Rs. 100.00 per cheque

e.

High Value Clearing

Rs. 100.00 per cheque

f.

Late presentment fee

Rs. 200.00 per cheque

g.

Express Cheque Transaction Timeout

Rs.200.00 per cheque

h.

High Value Cheque Transaction Timeout

Rs.200.00 per cheque

i.

National Archive System Charge

Rs.200.00 per cheque

j.

Reason Based Charge

Rs. 100.00 per cheque

2

Inter-Bank Payment Charges (IPS)

SN

Structure Details

Transaction Amount Based Slab (Fees in NPR)

Up to 500

>500-50,000

>50K

a.

NPR Transactions

2.00

5.00

10.00

b.

FCY Transactions

15.00

c.

Archive Fee

Rs.200 per transaction

3

connectIPS Transaction Fees

SN

General Transaction Fee Slab

Fee per Transaction (Fees in NPR)

a.

0.01 to 500

Rs. 2.00

b.

Above 500 to 5,000

Rs. 4.00

c.

Above 5,000

Rs. 8.00

Government Inland Revenue Payments – Transaction Fee Slab

d.

0.01 to 10,000

Rs. 2.00

e.

Above 10.000

Rs. 5.00

SN

Particulars

Fees and Charges

a.

Koili QR Merchant(Security Deposit)

Rs. 1,000.00

b.

Koili QR Monthly Rental Charges

Rs. 300.00

c.

Fonepay QR Cross-Border Transaction Fee(NPCI,Alipay & UnionPay)

1.95% MDR

d.

NepalPay QR Cross-Border Transaction Fee(Alipay)

1.75% MDR

e.

Virtual Credit Card Payment on QR Merchant  (For Transaction up to NPR 2,000)

NIL

f.

Virtual Credit Card Payment  on QR Merchant  (For Transaction NPR 2,000 above)

0.60% or maximum up to Rs. 300 MDR

SN

Particulars

Fees

a.

Interest Rate

Flat 15% p.a.

b.

Management Fee

Flat Rs. 500 on each disbursement

c.

Late payment Fee

Rs. 300 Flat for each overdue installment

S N.

Particulars

Fees

a.

Interest Rate

Average Base Rate of preceding 3 Months plus 3% Premium Rate

b.

Management Fee

0.75% on Loan amount

S N.

Particulars

Fees

a.

Processing Fees

Rs. 1,000 or 1% of the purchase amount which higher

S N.

Particulars

Fees

a.

Processing Fees

Flat Rs 1,000/- of purchase amount