LENDING RELATED FEES AND CHARGES | ||||
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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 Exchange |
Land Collateral : Rs. 5,000/- Other Collateral : Rs. 500/- |
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11 | Payment of insurance on the request of customer | Rs. 1000 | ||
12 | Assisting the borrower to obtain copy of blue book | Rs.1000 | ||
13 | Certify/endorse the claim lodged application by the borrower to the insurance company | Free | ||
14 | Credit Information Charges (including blacklisting/ delisting etc) | Actual | ||
14.1 | CIC to other BFIs | Rs. 1,000/- | ||
15 | Late Payment Fee | |||
For EMI and EQI based loans | Nil | |||
For other loans | Nil | |||
16 | Penal Interest charge on expired OD | Additional 2% above applicable interest rate | ||
17 | Penal Interest Charge on Term Loan Overdue Installment | Addiitonal 2% for the amount overdue for the overdue period. | ||
18 | Line of Credit / Letter of Intent | |||
Up to NPR 50 Million | Rs. 5000 | |||
Above NPR 50 Million | Rs. 25,000 | |||
19 | Letter of Credit Certification | |||
Upto NPR 50 Million | Rs. 1000 | |||
Above NPR 50 Million | Rs. 2500 | |||
20 | Letter of Credit Commitment | At least 0.15% per quarter, subject to minimum Rs. 1000/- | ||
21 | 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 | |||
22 | 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. | ||||
23 | Ad-hoc Limit Charge | |||
23.1 | Upto 3 Months | 0.50% | ||
23.2 | Above 3 Months | 0.75% | ||
24 | TR Limit Disbursement Charges | |||
24.1 | Adhoc | 0.50% | ||
24.2 | Limit | As per loan category | ||
25 | Force Loan | Highest published Rate | ||
26 | Education Loan | |||
Interest Rate | Base Rate + Premium (4.5% Minimum) | |||
26.1 | Loan Administrative Fee for New Customer | 0.75% of Loan Limit for fresh facility | ||
26.2 | Offer/Sanction Letter Amendment Fee | 0.15% of Loan Limit | ||
26.3 | Administrative Fee in case of Loan Reprocessing | 0.50% of Loan Limit | ||
26.4 | Loan Disbursement Certificate | NPR 1,000.00 per Certificate |