Credit Fees

    LENDING RELATED FEES AND CHARGES
     1 Loan Administrative Fee      
    1.1 New Loans      
      Corporate   Upto 0.30%
      Deprived    
                                         Wholesale Lending   Upto 0.30%
                                         Direct Lending   0.75% 
      SME Loans   0.75%
      Swap Loans (Inwards)   0.15%
      Retail Loans   0.75%
                                  Loans as per tie up arrangement   As per agreement
    1.2 Loan against Goverment Securities    Up to 0.5%
    1.3 Loan against Marketable Securities
                                                     New Loans   0.75%
                                                     Renewals   0.75%
    1.4 Personal Overdraft/ TL/ STL    
                                                    New Loans   0.75%
                                                    Renewals   0.75%
    2 Loan Administrative Fees - Renewal    
      Corporate   Up to 0.15%
      Deprived    
                                                   Wholesale Lending   0.15%
                                                   Direct Lending   0.15%
      SME Loans   0.15%
      Retail Loans   0.15%
    2.1 Commitment Fee (Overdraft Nature Loans)   Charges applicable when annual utilization is below 60% of limit.
                                                  Corporate and Deprived   0.15% of unutlized limit
                                                  SME    0.15% of unutilized limit
                                                  Retail    0.15% of untilized limit
    3 Commitment Fee - Long Term Finance   0.15% of unutilized limit
    4 Prepayment fee above NPR 5 Million   Prepayment within 2 years:- 0.75%
      Prepayment between 2 years to 5 years :-  0.375%
      Prepayment after 5 years:- 0.15%
    5 Loan swap (Outward) - up to  2 years from the date of loan provided    0.75%
      2 years - 5 years from the date of loan provided    0.375%
      More than 5 years from the date of loan provided   0.15%
    6 Not receiving business activity report   Nil
    7 Insurance not renewed on time   Nil
    8 Request for facility renewal not received on time   Nil
    9 Certification/letter for credit client   Rs. 500/- per certification
    10 Collateral release fee (Land and Building)      
      Ongoing customer   Rs. 2000
      Exit customer request received within 15 days   Free
      After 15 days to 1 month   Rs. 2000
      After 1 month   Rs. 5000
    10.1 Collateral release fee (handling fee) for hypothecation loan    Minimum 2000 or 0.25% of Loan OS  
    11 Vehicle ownership transfer in the name of customer      
      Request received - within 15 days   Free
      After 15 days to 1 month   Rs. 1000
      After 1 month   Rs. 2000
    12. Collateral release fee (Share)      
    12.1 Collateral release fee (Margin-Lending)   Rs. 200 per company per transaction
      Ongoing Customer   Rs. 2000
      Exit customers request received within 15 days   Free
      After 15 days to 1 month   Rs. 2000
      After 1 month   Rs. 5000
    13 Collateral Exchange  

    Land Collateral : Rs. 5,000/-

    Other Collateral : Rs. 500/-

    13. Payment of insurance on the request of customer   Rs. 1000
    14. Assisting the borrower to obtain copy of blue book   Rs.1000
    15 Certify/endorse the claim lodged application by the borrower to the insurance company   Free
    16 Credit Information Charges (including blacklisting/ delisting etc)   Actual
    16.1 CIC to other BFIs   Rs. 1,000/-
    17 Late Payment Fee      
      For EMI and EQI based loans   Nil
      For other loans   Nil
    18 Penal Interest charge on expired OD   Additional 2% above applicable interest rate  
    19 Penal Interest Charge on Term Loan Overdue Installment   Addiitonal 2% for the amount overdue for the overdue period.  
    20 Line of Credit / Letter of Intent      
                                      Up to NPR 50 Million   Rs. 5000  
                                      Above NPR 50 Million   Rs. 25,000
    21 Letter of Credit Certification    
                                     Upto NPR 50 Million   Rs. 1000
                                     Above NPR 50 Million   Rs. 2500
    22 Letter of Credit Commitment    At least 0.15% per quarter, subject to minimum Rs. 1000/-
    22 Change / Amendments in Security Documents    
      Corporate and Project Loans   Rs. 10000 flat
      SME    Rs. 10000, subject to maximum 0.15% of the limit
      Retail   Rs. 10000, subject to maximum 0.15% of the limit
    23 Annual Renew Fee ( All Terminating Nature Loans)    
      Upto NPR 0.5 Million   Rs. 1000/-
      NPR 0.5 Million - NPR 5 Million   RS. 5000/-
      Above NPR 5 Million   Rs. 10000/-
      Note : All processing fee and CICL fee to be deposited upfront.    
    24 Ad-hoc Limit Charge    
    24.1 Upto 3 Months   0.50%
    24.2 Above 3 Months   0.75%
    25 TR Limit Disbursement Charges    
    25.1 Adhoc   0.50%
    25.2 Limit   As per loan category
    26 Force Loan   Highest published Rate
    27 Education Loan    
      Interest Rate   Base Rate + Premium (4.5% Minimum)
    27.1 Loan Administrative Fee for New Customer   0.75% of Loan Limit for fresh facility
    27.2 Offer/Sanction Letter Amendment Fee   0.15% of Loan Limit
    27.3 Administrative Fee in case of Loan Reprocessing   0.50% of Loan Limit
    27.4 Loan Disbursement Certificate   NPR 1,000.00 per Certificate