Standard Tariff of Charges
Section 1: Customer Services
Particulars Charges
Certificate/ Statement/ Advice
Issuance of Balance Certificate NPR 1,000/- or if FCY A/C USD 10/- per certificate.

Free for institutions once a fiscal year.
Issuance of Foreign Investment certificate NPR 1,000/-
Balance re-confirmation request
(applicable to companies and institutions)
NPR 200/- per request
Account Statement to be provided for 2nd or more time Upto 10 pages- NPR 250/- or if FCY A/C USD 5/-

More than 10 pages- NPR 500/- or if FCY A/C  USD 10/-
Duplicate customer debit/credit advice NPR 500/-
Cheque book/ Debit Card
Cheque Book issuance against lost Cheque Book/ Demand Slip NPR 500/-
Cheque book uncollected upto 90 days NPR 500/-
Debit Card uncollected upto 90 days NPR 500/-
SMS alert
SMS Alert- both debit and credit transaction
(balance upto NPR 10,000)
Free
SMS Alert both Debit and Credit transaction NPR 100/-
Email Alert
E-mail alert- both debit and credit transaction Free
Internet Banking
e-Banking (with enquiry rights only) Free
e-Banking (with utility payment & fund transfer right) NPR 200/- per annum
e-Banking password regeneration NPR 50/-
Remittance Transfer through e-banking NPR 100/-
Mobile Banking
M Banking (VAS) Free
M Banking (VAS) PIN regeneration NPR 50/-
Remittance Transfer through M- banking NPR 100/-
Application Supported by Blocked Amount (ASBA): NPR 20/- per application
Fixed Deposit pre- mature withdrawal/ closure penalty
(Subject to Management approval)
3% of Fixed Deposit amount
Section 2: Cash and Transfer
Particulars Charges
Cash Transactions
Any Branch Banking Service (ABBS) Charges
Cash Withdrawal/Deposit in other district branches (except mentioned below) Minimum NPR 100/- or 0.10% of the transaction amount
Transaction within same district branches Free
Transaction within Kathmandu valley branches
Transaction on loan repayment account
Account to account transfer/ cheque deposit
Transaction on individual account upto NPR 200,000/-
Transaction on Saving Bonanza/ Ezee Saving/ Surakshya Bachat Khata/ Karmachari Bachat Khata and Remittance Saving account
FCY Cash Handling Charge
(For deposit on FCY A/C- below 50 denomination)
0.50%
Transfer/ Remittance
Cheque/ Draft/ SWIFT/ Standing Instruction / Good For Payment
Issuance of NRB/ Manager's Cheque NPR 500/- per cheque (accountholder)
NPR 1,000/- per cheque (non-accountholder)
Cancellation of NRB/ Manager's Cheque/Draft NPR 250/- per cheque/draft
Standing Instruction NPR 500/- or if FCY A/C USD 5/- per instruction
Stop Payment Request - cheques NPR 500/- per sequence or if FCY A/C USD 5/- per sequence
Cheques certified "Good for Payment" NPR 500/- or if FCY A/C USD 5/- per instrument to the drawer
Cancellation of "Good for Payment" cheque NPR 250/- or if FCY A/C USD 5/- per instrument
Cheques returned unpaid due to insufficient fund # NPR 500/- or if FCY A/C USD 10/- per instrument to the drawer
Draft Issuance 0.1% or Minimum NPR
500/-, if FCY A/C 0.1% or
Minimum USD 5/- plus
agency charge (where
applicable)

- Accountholder

0.25% or Minimum NPR 1,000/- plus agency
charge (where
applicable)

- Non- Accountholder
Stop Payment Request - Draft NPR 1,000/- or if FCY A/C USD 10/- per instrument plus Swift Charge
SWIFT Outwards 0.25% or Minimum NPR 1,000/- or if FCY A/C 0.25% or Minimum USD 10/- for each transfer plus communication charges
Local Interbank Transfers - Outwards NPR 500/- or if FCY A/C USD 10/-
SWIFT Inward USD 5/- or Equivalent FCY (Accountholder)

0.10% or Minimum NPR 1,000/- or equivalent FCY; Maximum NPR 10,000/- (Non-Accountholder)

Refund of Inward Payment & Nostro Cover USD 25/- plus Swift Charge
Cheques Purchase (Subject to agreement)
INR Cheques payable in India 0.50% of face value or Minimum. NPR 1,000/- if realized within 15 days.
Additional charge of 0.05% for each additional day thereafter.
Other FCY Cheques 1% of face value or Minimum NPR 1,000/-,  if FCY A/C USD 15/- if realized within 15 days.

Additional charge of 0.05% for each additional day thereafter.
Cheque Return 15% p.a. for INR and 7.5% p.a. for FCY cheque from date of purchase plus other banks charges, Minimum NPR 1,000/-, if FCY A/C USD 10/-
Cheque Collection (Outward)
NPR Cheques 0.15% or Minimum NPR 500/- / max NPR 5,000/- plus courier charge
INR Cheques 0.15% or Minimum NPR 1,000/- / max NPR 10,000/- plus courier charge
Other FCY Cheques 0.25% or Minimum NPR 1,000/- / if FCY A/C USD 10/- ; Max NPR 10,000/- plus courier charge
Cheque Return NPR 1,000/- for NPR/ INR cheque
USD 10/- for other FCY cheque
Interbank Payment System (IPS)
IPS Inward
IPS Inward  (Individual Inward-P1) Free
IPS Inward (Bulk Inward -P2)
Dividend and IPO refund payments up to NPR 100 Free
Up to NPR 500 NPR 2/-
Above NPR 500 to NPR 5,000 NPR 5/-
Above NPR 5,000 to NPR 50,000 NPR 10/-
Above NPR 50,000 NPR 15/-
Interbank Payment System (IPS) Outward ##
Dividend and IPO refund payments up to NPR 100 Free
Up to NPR 500 NPR 2/-
Above NPR 500 to NPR 5,000 NPR 5/-
Above NPR 5,000 to NPR 50,000 NPR 10/-
Above NPR 50,000 NPR 15/-
## Charges applicable to ODFI as specified on IPS transaction fee schedule
RTGS for INR payment 0.1% or Minimum NPR 1,000/-
CMS /ECMS 0.1% or Minimum NPR 500/-
E-com/Online payment NPR 750/- per transfer
Follow up charges NPR 500/- plus Communication/ SWIFT charges
Electronic Cheque Clearing(ECC)
Regular Clearing (NPR) below NPR 200,000 Free
Regular Clearing (NPR) of NPR 200,000 NPR 10/-
Regular Clearing (NPR) above NPR 200,000 NPR 25/-
Regular Clearing (FCY) NPR 25/-
Express Clearing NPR 100/-
High Value Clearing
(NPR 200 Mio & Above)
NPR 100/-
Last Minute Presentment Penalty- Regular/ Express NPR 200/-
National Archive System Charge
(Retrieval Charge)
NPR 200/-
lnward Clearing Cheque Return Charge# (due to insufficient fund ) NPR 500/- or USD 10/- (For FCY Cheque)
# - In case of cheque return due to insufficient balance, account holder can be blacklisted and other legal action can be initiated
Domestic Remittance
Remittance Transfer Upto NPR 10,000:   NPR 100/-
From NPR 10,001
to NPR 60,000:        NPR 150/-
Remittance Cancellation NPR 100/- flat
Section 3: Trade Finance
Particulars Charges
DOCUMENTARY CREDITS - IMPORT LC
Issuance Fee- Irrevocable/Back to Back documentary credit/Reinstate
Industrial 0.15% p.q, or Minimum NPR 2,000/-
Trading/Service/ Local UC /
Others
0.25% p.q, or Minimum NPR 2,000/-
Amendment Fee
Other than time extension and value enhancement NPR 1,000/-, Plus SWIFT charge
Time extension /value enhancement As per issuance commission Plus SWIFT charge
Time extension within the same quarter NPR 1,000/-, Plus SWIFT charge
Acceptance commission - Import (Usance / Deferred)
NPR/ INR 0.50% p.q or Minimum NPR 1,000/-
FCY 0.25% p.q or Minimum NPR 1,000/-
Payment commission (Usance & Mixed Payment LC & DAA) NPR 500/- per Payment
Settlement of LC/DAP/DAA NPR 500/- per document
Discrepancy Charges
NPR Document NPR 2,500/-
INR Document INR 2,500/-
Other Currency/ Countries
For India For USD LC- USD 50/-
For other countries
USD USD 50/-
EUR EUR 50/-
GBP GBP 50/-
Other currency than above equivalent to USD 50/-
LC cancellation (unutilized) NPR 2,000/- Plus SWIFT charge
LC cancellation -partially unutilized (unexpired) NPR 1,000/- plus SWIFT charge
Issuance of multiple Bi. Bi. Ni under single settlement/ Customs Change NPR 500/-each
Reimbursement Authorization By SWIFT NPR 750/-
Commission in Lieu of Exchange
Documents settled by FCY from other Banks 1% Flat
From own USD A/C 0.25% or Minimum USD 10/-
Advance Payment -Import
(As per NRB Circular)
0.25% or Minimum NPR 1,000/-
Incase of  Custom Change NPR 500/-
Discrepant Import Document Return NPR 2,500/- plus courier charges plus SWIFT charge
DOCUMENTS AGAINST PAYMENT /COLLECTION -Import
Documents against Payment (DAP) 0.25% or Minimum NPR 2,000/-
Documents against Acceptance (DAA) 0.25% or Minimum NPR 2,000/-
Outward Document other than L/C (BILTY- INR) 0.25% or Minimum NPR 2,000/-,Plus  NPR 500/- per payment
DOCUMENTARY CREDITS- EXPORT LC
For advising original LC & Amendments
Accountholder NPR 2,000/-
Non-Accountholder NPR 5,000/-
Advising Amendment
Accountholder NPR 2,000/-
Non-Accountholder NPR 5,000/-
For confirming L/C
(Subject to prior arrangement)
0.75% p.q. or Minimum NPR 5,000/-
Bank to bank reimbursement -Export
NPR Reimbursement NPR 2,500/- per Drawing, Plus SWIFT Charge
INR reimbursement INR 2,500/- per Drawing , Plus SWIFT Charge
Other FCY USD 50/- or equivalent per Drawing, Plus SWIFT Charge
For transferring a transferable credit (whole or partial of a documentary
credit)
Accountholder 0.10% or Minimum NPR  2,000/-
Non-Accountholder 0.20% or Minimum NPR 5,000/-
Advance Payment- Export
Payment credit to account USD 5/-
Payment received confirmation/ Issuance of Advance Payment Certificate (APC) & Issuance of Duplicate APC Certificate NPR 500/-
Duplicate Advices / Realization Certificates/ /Others :Tax Office Letters NPR 500/-
Refund of Inward Payment & Nostro Cover USD 25/- plus Swift Charge
BILLS OF EXCHANGE under LC- Export
Export Bills
Negotiation /Discount of Sight  Payment Documents
(Sight Clean or Discrepant)
Comm 0.15% plus Interest- Base rate + Upto 5% (Note: For Minimum 15 Days Plus Additional Days)
Negotiation/Discount   of Usance Document
(Clean or Discrepant)
Comm 0.15% plus Interest- Base rate + Upto 5%, (Note: For Minimum 15 Days interest to be levied for usance document Plus Additional Days)
Export Bills Dishonored  (Collection or Discount) NPR 2,000/-, plus interest for negotiated documents & collection charges
Overdue Export bills additional 2% p.a. interest for overdue period
Collection of Export Bills (under LC) 0.25% of realized amount or Minimum NPR 2,000/-
BILLS OUTWARD -EXPORT
Cash against Document (CAD)
Issuance NPR 2,000/- flat
Amendment (except Amount) NPR 1,000/-
Settlement commission
For document to be sent through NIBL 0.25% of received amount or Minimum NPR 2,000/-
For documentation by client themselves NPR 2,000/- for each credit to account
NRB CASH INCENTIVE service charge
Incentive amount upto NPR 200,000.00 NPR 5,000/-
Incentive amount more than NPR 200,000.00 NPR 15,000/-
Business Credit Information (of Foreign Importers and Exporters/ Rating Agencies) Actual cost plus NPR 1,000/- plus SWIFT Charge
GUARANTEE
Issuance charge
Bid Bonds 0.50% p.q.or Minimum NPR 2,000/- p.q.
Performance Bonds 0.50% p.q.or Minimum NPR 2,000/- p.q.
Advance Payment Guarantee 0.75% p.q.or Minimum NPR 2,000/- p.q.
Bonded Warehouse /Customs Guarantee 0.75% p.q.or Minimum NPR 2,000/- p.q.
Guarantee for EXIM Code NPR 7,500/- p.a. or 2.5% p a. whichever is higher
Miscellaneous Guarantee (Local Purchase/ Travel related/ Judicial & Others) 0.75% p.q. or Minimum NPR 2,000/- p.q.
Counter Guarantee 0.625% p.q., or  Minimum USD 100/-  p.q.
Any Bank Guarantees upto NPR
3 Lakh and maturity period more
than 2 years
0 75% p.q. or Minimum
NPR 1,000/- p.q.
Guarantee Amendments
Amendments
(other than time extension and value increment)
NPR 1,000/-
Amendment for time extension  and value increment Same as issuance
Amendment for time extension within the same quarter NPR 1,000/-
Counter Guarantee
Amendments of Counter Guarantee
(other than time extension and value increment)
USD 100/-
Amendment for time extension  and value increment Same as issuance
Amendment for time extension within the same quarter USD 100/-
Shipping Indemnity 0.625% p.q. (2.5% p.a.) or Minimum NPR 2,000/- p.q. Plus SWIFT charge)
SWIFT Authentication  of Guarantees USD 100/-
Advising guarantee to other banks/ Beneficiary
(without undertaking)
USD 250/-
Endorsing Guarantee to other banks
(without undertaking)
USD 250/-
Section-4: CREDIT
Particulars Charges
Loan Management Fee:
For New Loans

Corporate: 0.35% of funded limit or minimum NPR 10,000/-

SME: 0.75% of the limit or minimum NPR 10,000/-

Retail: 1% of the limit or minimum NPR 10,000/-

Micro Finance: 0.25% of the limit.

 

Loan against pledge of gold/silver: 0.35% of
the limit or minimum
NPR 1,000/-

For Enhancement Corporate: 0.35% of enhanced funded limit on pro-rata basis or minimum NPR 5,000/-

SME: 0.75% of  enhanced funded limit on pro-rata basis or minimum  NPR 5,000 /-

Retail: 1% of enhanced funded limit or minimum NPR 5,000/-
Micro Finance: 0.25% of the limit.
For Renewal

Corporate: 0.25% of the funded  limit or  minimum NPR 5,000/-

SME: 0.50% of the funded  limit or minimum NPR 5,000/-

Retail: 0.75% of the funded limit or minimum NPR 5,000 /-
Micro Finance: 0.25% of the limit.

 

Loan against pledge of gold/silver: 0.35% of
the limit or minimum
NPR 1,000/-

For Agriculture and Livestock Loans as per NRB circular/Fully Govt. owned entity, Loan against Fixed Deposit Nil
Prepayment Fees
Prepayment of any type of loan up to NPR 5.0 Mio No Prepayment charge
Prepayment of any type of loan above NPR 5.0 Mio due to change in Interest rate or initial approving terms & conditions
Prepayment of other loans above NPR 5.0 Mio 1.5% of the amount being prepaid
2% of the amount being prepaid in case of swap to other BFIs.
Other Charges
Credit Information Charges (CICL fees) As per actual cost
Fees related to consortium & hydropower project loans As per the consortium decision
Loan Commitment Fees 0.25% of the unutilized portion of the overdraft limit (to be calculated and charged on quarterly basis if average utilization is below 60% of the limit)
Certification Charges NPR 1,000 /-
Facility Amendment Fee
(Change in approved terms at the request of customer other than pricing)
NPR 2,500 /-
Late Payment Fee
(For Schedule loans except
Direct Deprived Sector lending)
NPR 500 /-
Full Release NPR 1,000 /-
Partial Release NPR 2,500 /-
Non presentment of Gold and Silver deed receipt by customer NPR 500 /-
Section-5: Cards
Particulars Applicable Charges
DEBIT CARD CHARGES
Card fee for 5 years valid card VISA MASTERCARD
RUPEE USD RUPEE USD
Card Fees Installment 1 NPR 350 USD 20 NPR 300 USD 15
Card Fees Installment 2 NPR 350 USD 20 NPR 300 USD 15
Card Fees Installment 3 NPR 350 USD 20 NPR 300 USD 15
Card Fees Installment 4 NPR 350 USD 20 NPR 300 USD 15
Card Fees Installment 5 NPR 350 USD 20 NPR 300 USD 15
Card Fees Installment 6 NPR 350 USD 20 NPR 300 USD 15
Replacement/Renewal Fee NPR 350 USD 5 NPR 300 USD 5
E-Zee Saving & NIBL Savings Bonanza accountholders Free Free
Afnai Bachat Khata Card Issuance Fee Free Card Issuance Fee Free
ADDITIONAL CHARGES
VISA MASTERCARD
RUPEE USD RUPEE USD
Cash Withdrawal Fee
In NIBL ATM Free Free
In Other Bank's ATM (Nepal) NPR 30 USD 0.75 NPR 30 USD 0.75
In Other Bank's ATM (International) NPR 250 USD 5 NPR 250 USD 5
Balance Enquiry
In NIBL ATM Free Free
Balance Enquiry In other Bank's ATM (Nepal) NPR 20 USD 0.75 NPR 20 USD 0.75
Mini Statement
In NIBL ATM Free Free
Mini Statement Request from Other Bank's ATM (Nepal) NPR 20 USD 0.75 NPR 20 USD 0.75
PIN Re-Generation Fee NPR. 50 USD 0.75 NPR. 50 USD 0.75
VISA CREDIT CARD CHARGES
RUPEE USD
CLASSIC GOLD GOLD
Issuance
Joining Fee NPR750 NPR 1,000 USD  25
Annual Fee NPR750 NPR 1,000 USD  25
Renew / Re-issue NPR750 NPR 1,000 USD  25
ADDITIONAL CHARGES
RUPEE USD
Cash Withdrawal Fee
Onus Cash Advance (NIBL ATM/POS) NPR 100 + 2% of the Txn Amt USD 2 + 2% of the Txn Amt
Cash Withdrawal from our Member Bank's ATM NPR 100 + 2% of the Txn Amt USD 2 + 2% of the Txn Amt
Offus Cash Advance (Other Banks ATM/POS) NPR 200 + 2% of the Txn Amt USD 5 + 2% of the Txn Amt
Balance Enquiry in NIBL ATM Free
Balance Enquiry in Other Bank' ATM NPR 50 USD 0.75
Limit Enhancement NPR 500 USD   5
Late Payment Fee NPR 500 USD 5
Over limit Fee (Cardholders can use 10% in excess to their total credit limit) NPR 500 USD 5
PIN Re-Generation Fee NPR 50 USD 0.75
Annual Interest on Remaining dues (Purchase) 2% per month (24% p.a.)
Annual Interest on Cash Advance 2% per month (24% p.a.)
NIBL USD TRAVEL CARD
One time Issuance Fee NPR 1000
Reissue Fee NPR 500
Reload Fee NPR 500
Section-6: SAFE DEPOSIT LOCKER
Key deposit amount is refundable at the time of surrender of the SDL and key by the customer
Key deposit and rental fees:
Type Dimension in inches Inside Valley Branches Outside Valley Branches
Height Width Depth Annual Rental
Fee
Key
Deposit
Annual Rental
Fee
Key
Deposit
1A/90 4.92 6.89 19.37 NPR 3,000 NPR 10,000 NPR 2,500 NPR 10,000
2B/60 6.26 8.27 19.37 NPR 3,500 NPR 12,500 NPR 3,000 NPR 12,500
BIN/4 20 36 36 NPR 15,000 NPR 25,000 -
1C/45 4.92 13.86 19.37 NPR 4,500 NPR 15,000 NPR 3,500 NPR 15,000
D/28 7 10 19 NPR 5,000 NPR 17,500 NPR 4,000 NPR 17,500
3D/40 7 9.5 19.37 NPR 3,500 NPR 12,500 NPR 3,000 NPR 12,500
E/60 6 8 22 NPR 3,500 NPR 12,500 -
1F/21 10.63 13.86 19.37 NPR 6,000 NPR 20,000 NPR 5,000 NPR 20,000
G/2 7 20 19 NPR 7,000 NPR 22,500 NPR 5,500 NPR 22,500
3G/20 7.44 20.87 19.37 NPR 7,000 NPR 22,500 NPR 5,500 NPR 22,500
H/40 7 10 21.6 NPR 5,000 NPR 17,500 -
I/5 6 16 22 NPR 7,000 NPR 22,500 -
12 8 22
7 20 20.6
J/2 12 16 22 NPR 8,000 NPR 23,500 -
K/16 11 21 22 NPR 9,000 NPR 25,000 -
14 20 21.6
L2/10 15.16 20.87 19.37 NPR 9,000 NPR 25,000 NPR 7,000 NPR 25,000
Other Charges
Particulars Charges
Locker Surrender Charge NPR 1,000
Key Replacement Charge
(If customer loses Key)
Actual cost of lock replacement plus NPR 2,500/-
Section-7 COMMUNICATION & COURIER CHARGE
Particulars Charges
Communication Charge
Trade Finance
Letter of Credit (Import) -Issue/  Guarantee through SWIFT NPR 1,500/-
L/C (Import)/ Guarantee Amendment through SWIFT NPR 1,000/-
SWIFT Charge
(others communication)
NPR 750/-, INR 750/-, or USD 10/- or equivalent
Cash & Transfers
SWIFT Charge NPR 750/-, INR 750/-, or USD 10/- or equivalent
Communication Charge (Others) NPR 500/- or USD 5/- or equivalent
Courier charge
Nepal NPR 150/-
India NPR 1,000/-
Other Countries USD 40/-
Postage Charge
Nepal NPR 100/-
India NPR 750/-
Other countries USD 20/-
Section-8: MISCELLANEOUS
Particulars Charges
Document Retrieval NPR 250 per instrument/ page
Other Certificate Issuance (EXIM & Other reference letters) NPR 500
CCTV retrieval charge
(subject to Management approval)
View Only- NPR 500
Retrieval- NPR 1,000
Blacklisting Charge NPR 500 plus actual cost
 

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