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Lending Fees 

LENDING RELATED FEES AND CHARGES
 1 Loan Administrative Fee    
1.1 New Loans Prime Others
  Corporate Upto 0.25% 0.05% - 0.30%
  Deprived    
                                     Wholesale Lending                         0.10% to 0.35%
                                     Direct Lending                         0.75% to 1.00%
       
  Retail Loans Prime Others
                                     Home Loans 0.25% - 0.50% 0.75% - 1.00%
                                     Auto Loans(Private) 0.25% - 0.50% 0.75% - 1.00%
                                     Education Loans 0.75% - 1.00% 1.25% - 1.50%
                                     Hire Purchase Loans 0.75% - 1.00% 1.00% - 1.25%
                                     Margin Loan 0.25% - 0.50% 0.75% - 1.00%
                                     Margin Loan (Renewal) 0.25% - 0.50% 0.75% - 1.00%
                                    Personal TL 0.50% - 0.75% 1.00% - 1.25%
                                    Personal STL 0.50% - 0.75% 1.00% - 1.25%
                                     Others                           1.25% - 1.50%
                                     Professional Loans                           1.00% - 1.25%
  SWAP Loan (In) 0.25% - 0.50% 0.75% -1.00%
  Gold Loan (For new and renewal)                           0.25% - 0.50%
  Loans as per tie up arrangement                       As per negotiations.
1.2 Loan against Fixed Deposits                           Up to 0.25%
1.3 Loan against marketable securities    
  Loans Prime Others
  SME New Loan 0.25% - 0.50% 0.50% - 0.75%
  Renewal 0.10% - 0.35% 0.25% - 0.50%                             
       
                                     Renewals                            Charges
  Upto 7.5 million                              0.75%
  7.5 Million to 15 million                              0.75%
  Above 15 million                              0.50%
1.4 Personal Overdraft Prime Others
                                      New Loans                 0.50% - 0.75% 1.00% - 1.25%
                                      Renewal 0.50% - 0.75% 1.00% - 1.25%
 2.  Loan Administrative Fees - Renewal    
  Corporate                         Up to 0.25%
  Deprived    
                              Wholesale Lending                         Up to 0.25%
                              Direct Lending                        0.25% to 0.50%
  Retail Loans                        0.50% to 0.75%
 3.  Commitment Fee (Overdraft Nature Loans) Charges applicable when annual utilization is below 70% of limit.
  Corporate & Deprived 0.10% to 0.35%  
  SME 0.50% to 0.75%  
  Retail 0.75% to 1.00%  
4. SME Loans Prime Others
  New Loan 0.25% - 0.50% 0.50% -0.75%
  Renewal 0.10% -0.35% 0.25% - 0.50%
  SWAP Loan (In) 0.10% - 0.35%
5.  Commitment fee - long term finance  0.75% to 1% of the unutilised limit
6.  Prepayment fee (To be charged subject to conditions as prescribed by NRB) Corporate - 1%
Others - 2% (after half of the tenure 1%)
7. Loan swap (out)  2%
8. Not receiving business activity report 1000
9. Insurance not renewed on time 1000
10. Request for facility renewal not received on time 1000
11. Certification/letter for credit client 500
12. Collateral release fee (Land and Building)    
  Ongoing customer Rs. 2000
  Exit customer request received within 15 days Free
  After 15 days Rs. 2000
  After 1 month Rs. 5000
13. Vehicle ownership transfer in the name of customer    
  Request received - within 15 days Free
  After 15 days Rs. 1000
  After 1 month Rs. 2000
       
14. Collateral release fee (share certificates)    
  Ongoing customer Rs. 500
  Exit customers request received within 15 days Free
  After 15 days Rs. 1000
  After 1 month Rs. 2000
15. Payment of insurance on the request of customer Rs. 200
16. Assisting the borrower to obtain copy of blue book Rs.1000
17. Certify/endorse the claim lodged application by the borrower to the insurance company Rs.500
18. Credit Information Charges (including black listing/ delisting etc) Actual
19. Late Payment Fee    
  For EMI and EQI based loans Rs. 1000 per month after 7 days
  For other loans Rs. 1000 per month
20. Penal Interest charge on expired OD Additional 2% above interest rate  


Kumari Bank