Citizens Bank

Remittance

SN	Particulars	Fees, Commission & Charges
1 (a)	ABBS Charge (inside valley to outside valley and outside valley to inside valley )for Customer in NRS	Free
(b)	ABBS Charge for Simikot, Jajarkot, Dolpa, Hariharpurgadhi, Mangseybung, Sahidbhumi, Sarkegad, Likhu Pikey, Dhakari, Namkha and Mohanyal Branch	Free
2	DRAFT
a	INR Draft	0.10% or minimum of Rs 500.00.
b	USD Draft	0.20% or minimum of Rs 800.00.
c	GBP Draft	0.20% or minimum of Rs 1000.00.
d	EURO Draft	0.20% or minimum of Rs 1000.00.
e	AUD Draft	0.20% or minimum of Rs 1000.00.
3	Applicable 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 Euro	EUR 10.00
d	MT 103 (INR)	0.10% or minimum of Rs. 500.00 plus SWIFT charge of Rs. 750.00. If charges is "OUR" additional charges of INR. 400.00 is to be deducted.
e	MT 103 (USD) (Fed/Chips/Book)	0.20% or minimum of Rs 800.00 plus SWIFT Charges of Rs. 750. If charges is "OUR" additional charges of USD 30.00 is to be deducted immediately and USD 25.00 is to be held in the account.
f	MT 103 (EURO/GBP) (Fed/Chips/Book)	0.20% or minimum of Rs.1,000 plus SWIFT Charge of Rs.750. If charges is "OUR" , then additional EURO 40 /GBP 35 to be deducted immediately and EURO 40.00 and GBP 25.00 is to held in the account.
g	MT 103 (JPY) (Fed/Chips/Book)	0.20% or minimum of Rs.1,000 plus SWIFT Charge of Rs.750. If charges is "OUR ", then additionally, JPY 7,500 to be deducted immediately and JPY 7,500 to held in the account
h	MT 103 (AUD)	0.20% or minimum of Rs.1,000 plus SWIFT Charge of Rs.750. If nostro bank charge is "OUR", then additionally, AUD 50 to be deducted immediately and additional AUD 40.00 to be held in account
i	MT 103 (AED)	0.20% or minimum of Rs.2,500 plus SWIFT Charge of Rs.750 if counterparty inside UAE and 0.20% or minimum Rs.4,000 plus SWIFT Charge Rs.750 if counterparty outside UAE. If nostro bank charge is "OUR", then additionally, AED 40 to be deducted immediately and additional AED 40.00 to be held in account
4	Manager's Cheque (MC) or NPR draft at Customer's Request	Rs 500.00
5	Inward Remittance Transfer to Other Banks in Nepal	Rs.0
6	Cash Management Service	Charge of Rs.150/- 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 free of Rs. 500/- per client will changer one time for using the CMS service. Rs.160/- 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.

Outward Bill Collection

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.	Foreign	0.15% or minimum of Rs 2000.00 plus applicable courier charges (Confirmation to be obtained from Treasury Department)
2	Cheque Returned / Unpaid Charge	GBP 80.00

Guarantees

SN	Particulars	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
	a. For Foreign Guarantee	commission/charges of other bank
	b. For Local Guarantee	0.25% per quarter or a part thereof with minimum of Rs1,000.00, plus
	b. For Local Guarantee	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 3,000 per claim settlement plus other relevant charges, if any
	b. Other Ammendments	Rs 1,000 per ammendment
9	Guarantee Amendment Charges
	a. Amendment in Value and/or Time	Same as Guarantee Issuance Charges
	b. Other Amendments	Rs 1,000 per ammendment
10	Credit Line certificate /other certificate/ letter Issuance Charge.	Rs. 1,000 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. 1,000 Per Pratilipi

Documentary Bill (Export)

SN	Particulars	Fees, Commission & Charges
1	Advising Charges
a.	Export LC	Rs 3,000 per LC Advising
b.	Amendment export Lc	Rs 3,000 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 upto 15 days or minimum of Rs 1,000.00
b	Discrepant Sight Documentary Bills	0.45% for upto 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 500.00
9	Export LC cancellation charge	Rs.3,000 flat for full unutilized LC outstanding plus swift charges and other bank charges if any

Documentary Credits (Import)

SN	Particulars	Fees, Commission & Charges
1	LC Opening Commission
a.	NRs Sight LCs	0.20% per quarter or a part thereof with minimum of Rs.1,000.00
b.	INR Sight LCs
	Manufacturing Industries	0.20% per quarter or a part thereof with minimum of Rs.1,000.00
	Trading and Others	0.25% per quarter or a part thereof with minimum of Rs.1,000.00
c	FCY LCs (other than INR)
	Manufacturing Industries	0.125% per quarter or a part thereof with minimum of Rs.1,000.00
	Trading and Others	0.20% per quarter or a part thereof with minimum of Rs.1,000.00
2	Back to Back Sight LC (in addition to normal LC comm.)	0.10% per quarter or a part thereof with minimum of Rs.1,000.00
3	LC Cancellation	Rs.3,000 flat for full unutilized LC outstanding plus swift charges and other bank charges if any
4	LC amendment	For normal amendment; Rs1000 plus communication For Value increase /time extension : As per LC issuance charge plus communication
5	Usance LC Opening Commission	0.25% per quarter or a part thereof with minimum of Rs.1,500.00
6	Import Document Handling Charge	Rs. 1,000.00 per set of document
7	Discrepant chg.
a	For FCY Document	USD 75 ,EUR 75, AUD 75, GBP 75 and JPY 7, 500 per set of document or equivalent for other currency
b	For INR Document	INR 3,000.00 per set of document
c	For NPR Document	NPR 3,000.00 per set of document
8	Swift Chg. for LC transmission MT700	Rs 2000
9	Swift charge for other message related to TAD	Rs 750 per message
10	LC Settlement charge – for copy document only	Rs.1,000 per set of document
11	LC over drawn	0.5% on over drawn value or Minimum Rs 3,000
12	DAP Commission	0.20% or minimum of Rs3,000 plus communication charges, if any
13	DAA	0.20% per quarter or minimum of Rs3,000, plus communication charges, if any
14	LC Document Discounting Commission on beneficiary	As per Term of LC
15	Acceptance Commission including for Discounting LC;	LC issuance charge for usance period plus communication
16	Document Return charge under import LC,DAP,DAA	FCY and INR related document: Rs 2000 per set of document plus communication NPR related Document: Rs 1000 per set of Document plus communication
17	NRB cheque issuance charge on request of customer for custom purpose under LC	For other purpose Rs 300 per cheque Free for statutory Custom Margin purpose
18	Force Loan /Payment Against Document ( PAD) for clean LC Document settlement , Gtee claim payment and Acceptance Maturity	Bank highest Interest Rate
19	Overdue Interest for Re-Imbursement related LC and Acceptance settlement	Highest Interest Rate applied to the loan facility of customer ;
20	LC settlement charge for copy document only	Rs. 1,000 per set of document

Other Fee and Charges

Particulars

Fees, Commission & Charges

Cheque Returned Due to Insufficient Balance

Rs. 500.00

Stop Payment Cheque Request

Free

Standing Instruction(except for loan transaction)

Rs.200 per instruction

(Charges not applicable for transferring fund between Call and Current accounts of Financial Institutions, Insurance Companies, Government Accounts and Government Own Companies/Corporations and in Recurring Deposit of privilege retail customers)

Good for Payment

Free

Manager's Cheque (MC)/ NPR Demand Draft

Rs 500.00 for account holders and Rs.750.00 for non-account holders.

(Charges only applicable if issued on customer’s request)

Courier Service per Consignment

Nepal

Rs. 200.00 per consignment

India

Rs. 500.00 per consignment

Other Countries

Other SAARC Countries Rs. 1000.00,USA and Other Foreign Countries: Rs. 2,000.00

and Others: Rs2,000.00

SWIFT Charge

NPR 750.00

service charge(credit facility)

Processing fee for consumer loan

1% on total loan amount.

Processing fee for commercial / corporate loan

0.5% on total loan amount

Commitment fee for Term Loan

1.00% on undrawn amount

Prepayment Charge

1.00%on prepaid amount or as specified in product paper(s)

Balance Certificate Issue Charge

Free for system printed. Rs.500 is applicable for manually prepared or customized Balance Certificate.

Balance Reconfirmation Charge

Rs.500.00 each for additional balance certificate issued from same account within a month as per Nepali Calendar.

Loss of chequebook

Rs250.00 upto 10 leaves Rs. 500.00 above 10 leaves

Draft Cancellation/ Stoppage Charges

Cancellation with 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.

Statement reprint charge

Rs.150.00 (for statements up to 6 months)

Rs.250.00 (for statements above 6 months)

Loose Cheque

Rs 200.00 per Cheque

NRB Cheque Issuance

Rs.300.00 per cheque

NRB Cheque/manager cheque /Good for payment cheque cancellation

Rs 500.00

Withdrawal Slip Issuance Charge

Rs.100.00

Fund Transfer Form Issuance Charge

Rs.100.00

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

FD Receipt Reprint Charge

Rs.200.00

Certificate Issuance Charge

Rs.500.00

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

Debit/Credit Advice

Rs.100 per transaction, if request is made after 3 months from the date of transaction.

TDS Certificate Reissuance Charge

Rs.200 for each additional certificate issued corresponding to same Fiscal Year.

FCY Purchase or Deposit in Account

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

0.50% of transaction amount of such denominations

PSTN/Landline Scheduled Bill Payment

Rs.10 for each telephone number per month

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.

Advance Payment Certificate

Rs.500.00

Email Alert fee

Free

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

Rs.200.00 upto 10 leaves

Rs.300.00 above 10 leaves.

Document/Record Retrieval Charge

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

Free upto 3 months

Rs.250.00 for 3 months to 1 year

Rs.500.00 above 1 year and upto 2 years

Rs.1,000.00 above 2 years

Ghar Dailo Sewa fee

Rs.200.00 per transaction

Online Fee payment Charge

TOEFL,SAT,GRE,GMAT,ACCA,CA etc--- Rs.450.00 per transaction

ICAI Fee Payment--- Rs.100.00 per transaction.

Commission on Cheque Payment/ Deposit of Other Fis

Rs. 150.00 per cheque payment upto NPR.100,000.00

Rs. 150.00 per deposti payment upto NPR.500,000.00

Demat Charges

Demat Account Opening Commission

Rs. 50.00

Demat Account Operation Yearly Comm

Rs. 100.00 per annum

Demat Securities Transfer Fee

Rs. 25.00

Demat Pledging Commission

Rs. 50.00

Demat Account Stoppage Commission

Rs. 25.00

Demat Re-Materialization Commission

Rs. 50.00

ASBA Commission

Rs.5.00

Account Closing

Free

Account Scheme Code Change

Rs.200.00 (Rs.100/ for Privileged Customers)

Charges for Lockers

			Fees & Charges
	Particulars		Annual Service Charge	Key Deposit
S.N	Dimension in inches	Volume (in³⁾	Proposed	Proposed
1	H4 W7 D19	532	Rs. 2,000 p.a.	Rs.10,000
2	H5 W7 D19	700	Rs.2,000 p.a.	Rs.10,000
3	H6 W8 D19	912	Rs.2,000 p.a.	Rs.10,000
4	H6 W8 D20	960	Rs.2,000 p.a.	Rs.10,000
5	H6 W8 D21	1008	Rs.2,500 p.a.	Rs.12,000
6	H6 W8 D22	1056	Rs.2,500 p.a.	Rs.12,000
7	H6 W16 D19	1330	Rs.3,000 p.a.	Rs.12,000
8	H7 W10 D19	1824	Rs. 3,500 p.a.	Rs.12,000
9	H12 W8 D19	1824	Rs.3,500 p.a.	Rs.12,000
10	H7 W21 D19	2793	Rs.4,500 p.a.	Rs.15,000
11	H12 W16 D19	3648	Rs.5,000 p.a.	Rs.20,000
12	H11 W21 D19	4389	Rs.6,500 p.a.	Rs.20,000
13	H15 W21 D19	5985	Rs.7,500 p.a.	Rs.25,000
14	H6 W8 D22.50	1080	Rs.2,500 p.a.	Rs.12,000
15	H6 W16 D22.50	2160	Rs.3,500 p.a.	Rs.15,000
16	H12 W8 D22.50	2,160	Rs.3,500 p.a.	Rs.15,000
17	H12 W16 D22.50	4,320	Rs.6,000 p.a.	Rs.20,000
18	Locker Surrender Charge		Rs.1,000 flat charge. Rs.500 is applicable if date of last annual service charge paid 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)

Mobile Banking Charge

SN	Particulars	Registration Charge	Renewal Charge
1	For Individual Accounts	0	250
2	For Corporate/institutional	350.00	350.00

Internet Banking Charge

SN	Particulars	Registration Charge	Renewal Charge
1	For Individual Accounts	0	150
2	For Corporate/institutional	150.00	150.00

Password Reset Fee

SN	Particulars	Charge
1	Mobile Banking	50.00
2	Internet Banking	50.00

Visa Card Charges

SN	VISA DEBIT CARD	DOMESTIC DEBIT CARD FEE	INTERNATIONAL DEBIT CARD FEE
1	New Card Issuance Fee	Rs. 1,250 or Rs. 300 per year (Installment Basis)	Rs. 1500
2	Card Replace Fee	Rs. 300	Rs. 500
3	Card Renew Fee	Rs. 750 or Rs. 300 per year (Installment Basis)	Rs. 1500
4	Pin re-generation Fee	Rs. 100	Rs. 100
5	E-Commerce Activation Fee (3D Secure)	Free	Free
6	Cash withdrawal from Citizens Bank ATM	0	0
7	Balance Inquiry from Citizens Bank ATM	0	0
8	PIN Change from Citizens Bank ATM	0	0
9	Mini Statement from Citizens Bank ATM	0	0
10	Cash withdrawal from Member Bank's ATM	Rs. 20	USD 5.00
11	Balance Inquiry from Member Bank's ATM	Rs. 5	USD 0.75
12	PIN Change from Member Bank's ATM	Rs. 5	USD 0.75
13	Mini Statement from Member Bank's ATM	Rs. 5	USD 0.75
14	Cash withdrawal from other Bank's Visa ATM in Nepal	Rs. 20	USD 5.00
15	Balance Inquiry from other Bank's Visa ATM in Nepal	Rs. 20	USD 0.75
16	Cash withdrawal from Visa ATM in India	Rs. 250 + (Txn Amt * 1.6015)	USD 5
17	Balance Inquiry from Visa ATM in India	Rs. 50	USD 0.75
18	Cash withdrawal from Visa ATM- Foreign	N/A	USD 5
19	Balance Inquiry from Visa ATM- Foreign	N/A	USD 0.75
20	ATM Access Fee (Foreign Card in our ATM)	N/A	NPR 500
	Note: Transaction fee is free for first 2 Domestic ATM transaction in a month as per English calendar (For Domestic Debit Card only).
SN	VISA CREDIT CARD	DOMESTIC CREDIT CARD FEE	INTERNATIONAL CREDIT CARD FEE
1	Card Issuance Fee	Rs. 750	0
2	Annual Fee	Rs. 750	USD 15
3	Renewal/Replacement Fee	Rs. 500	USD 10
4	Supplementary Card Fee	Rs. 750	USD 15
5	Pin re-generation Fee	Rs. 100	USD 1
6	E-Commerce Activation Fee (3D Secure)	Rs. 100	USD 1
7	Cash withdrawal from Citizens Bank ATM	Rs. 100+2% of Txn	USD1+2% of Txn
8	Balance Inquiry from Citizens Bank ATM	0	0
9	PIN Change from Citizens Bank ATM	0	0
10	Mini Statement from Citizens Bank ATM	0	0
11	Cash withdrawal from other Bank's Visa ATM	Rs. 200+2% of Txn	USD 5 +2% of Txn
12	Balance Inquiry from other Bank's Visa ATM	Rs. 50	USD 0.75
13	Cash withdrawal Limit	10% of Credit Limit	10% of Credit Limit
14	Interest rate	2% per month	2% per month
15	Late payment Fee	Rs. 300 or 1% of monthly due whichever is higher	USD 5
16	Limit enhancement Fee	Rs. 500	USD 5

NCHL Charges

SN	Particulars	Fees, Commission & Charges
1	OUTWARD CLEARING CHARGES (ECC)
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

2	Inter-Bank Payment Charges (IPS)
S N	Structure Details	Transaction Amount Based Slab (Fees in NPR)
		Up to 500	>500-50,000	>50,000
1	NPR Transactions	2.00	5.00	10.00
2	FCY Transactions	10
3	Archive Fee	Rs.200 per transaction

3	connectIPS Transaction Fees
S N	General Transaction Fee Slab	Fee per Transaction (Fees in NPR)
1	0.01 to 500	2
2	Above 500 to 5,000	4
3	Above 5,000	8
	Government Inland Revenue Payments – Transaction Fee Slab
1	0.01 to 10,000	2
2	Above 10.000	5