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   0.15%
        Share release and subsequent re-pledge of the share   Rs. 1,000 per scrip
      1.4 Personal Overdraft/ TL/ STL    
                                                      New Loans   0.75%
                                                      Renewals   0.15%
      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/-
      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 Ad-hoc Limit Charge      
      22.1 Upto 3 Months   0.50%  
      22.2 Above 3 Months   0.75%  
      23 TR Limit Disbursement Charges      
      23.1 Adhoc   0.50%  
      23.2 Limit   As per loan category  
      24 Force Loan   Highest published Rate  
      25 Education Loan      
      25.1 Loan Administrative Fee for New Customer   0.75% of Loan Limit for fresh facility  
      25.2 Offer/Sanction Letter Amendment Fee   0.15% of Loan Limit  
      25.3 Administrative Fee in case of Loan Reprocessing   0.50% of Loan Limit  
      25.4 Loan Disbursement Certificate   NPR 1,000.00 per Certificate  
      Note:  
      a All the fees and charges for consortium loans shall be as decided by the consortium.  

      Others