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Standard Tariff of charges

FY - 2076/77

Version -2

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 Table Of Content
Particular Page No.
1. Safe Deposit Locker 1
2. Kamana Sewa Visa Debit Card 1
3. Overdraft Card 1
4. Cash Withdrawal and Balance Enquiry from ATM 2
5. Mobile Banking (M-Bank) 2
6. Internet Banking (I-Bank) 2
7. Kamana Sewa Remit 2
8. NCHL IPS Pricing Transactions 2
9. Customer Service 3
10. Outward Cheque Clearing Charges Local and LCY 4
11. Lending Fees (Business, Retail & Micro Loans) 4
12. NRB Cheque (Issuance of NPR Cheque) 5
14. Non funded Business 6
15. Staff Facility 6
16. Managers Cheque (Issuance of M.C) 6

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 Transaction Banking Service Charges
1. Safe Deposit Locker:
Service Fee/Charges
a. Small Size* NPR 2,000/- Annually
b. Medium Size* NPR 2,500/- Annually
c. Big Size* NPR 3,000/- Annually
d. Security Deposit* NPR 10,000/-
e. Surrender of Locker* NPR 3,000/-
f. Breaking of Locker / Loss of Key by NPR 3,000/- plus actual bill cost
Customer* submitted by the vendor.
* As Defined by PPG

2. Kamana Sewa Visa Debit Card:

Service Fee/Charges
a. Issuance of Card Free for First year.
(Thereafter NPR 250/-) Annually
b. Re-issuance of (Lost card /Damaged) NPR 250/-
c. Card Block Fee NPR 100/-
d. Card Unblock Fee NIL
e. Supplementary Card NPR 250/-
f. Pin Re-generation NPR 100/-
g. Destruction of Uncollected Cards and Pins
If not collected within 6 months. NPR 250/-
(For new cards only)

3. Overdraft Card:
Service Fee/Charges
a. Overdraft Card Processing Fee 1.25% of Loan Amount.
b. Limit Renewal Fee 1% of loan limit
(Renewal to be done annually)
c. Overdraft Card Issuance Fee NPR 1,000/-
d. Overdraft Card Replacement Fee NPR 500/-
e. Overdraft Card PIN Regeneration Fee NPR 100/-
f. Overdraft Card Block Fee NPR 150/-
g. Overdraft Card Unblock Fee Free

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4. Cash Withdrawal and Balance Enquiry from ATM:
Service Fee/Charges
a. Cash Withdrawal form KSBBL ATM Free
b. Balance Enquiry from KSBBL ATM Free
c. Cash Withdrawal form Others than KSBBL NPR 30/-
ATM For All ATM Terminals with in Nepal
d. Balance Enquiry form others than KSBBL NPR 20/-
ATM For All ATM Terminals with in Nepal
e. Cash Withdrawal Within VISA ATMs in NPR 250/-
India
f. Balance Enquiry Within VISA ATMs in NPR 50/-
India
5. Mobile Banking (M-Bank):
Service Fee/Charges
a. Registration Free for First Year
b. Annual Maintenance Fee NPR 200/-
c. Pin Reset Charge NPR 25/-
d. Mobile number Modification NPR 25/-

6. Internet Banking (I-Bank):

Service Fee/Charges
a. Registration Free for First Year
b. Annual Maintenance Fee for Individual NPR 250/-
c. Annual Maintenance Fee for Institutions NPR 500/-
(Except BFIS)
d. Pin Re-generation (Except BFIS) NPR 25/-
e. Mobile number Modification (Except BFIS) NPR 25/-
7. Kamana Sewa Remit:
Service Fee/Charges
a. Up to NPR 10,000 NPR 100/-
b. NPR 10,001 to 25,000 NPR 125/-
c. NPR 25,001 to 50,000 NPR 150/-
d. NPR 50,001 to 60,000 NPR 175/-

8. NCHL IPS Pricing Transactions:

Service Fee/Charges
a. Up to NPR 500 NPR 5/-
b. NPR 501 to 5,000 NPR 10/-
c. NPR 5001 to 50,000 NPR 20/-
d. Above 50,000 NPR 30/-
Note: For Dividend and IPO refunds payments, the transactions fee will be waived for the transactions up to NPR 100.

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9. Customer Service:
Service Fee/Charges
a. Issuance of Cheque book Free
b. Issuance of Loose Cheque book NPR 50/- per leaf
c. Destruction of Cheque if not collected within NPR 200/-
Six months
d. Stop Payment of drawn Cheque NPR 200/- per instruction
e. Stop Payment of Undrawn Cheque NPR 300/- per instruction
(Entire Book)
Re-issuance of Cheque book without
f. requisition slip (if charge as per (e.) is not NPR 100/-
taken.
g. Cheque Bounce /Cheque return over the NPR 300/-
Counter (Due to insufficient fund).
Drawn with in Nepal NPR 300/-
h. Cheque Collection Drawn outside Nepal: USD 25 or
equivalent amount in NPR
i. Issuance of Good for Payment Cheque NPR 500/- per Cheque
j. Cancellation of Good for Payment Cheque NPR 300/- per Cheque
k. Issuance of Statement for the first time Free
l. Issuance of Statement (Re-print) NPR 10/- per page or NPR 50/- whichever
is higher.
m. Issuance of Statement from other branch Free
n. Statement to be posted abroad USD 10/- or equivalent to NPR
NPR 500/- (For additional copy NPR 100/-
o. Issuance of Balance Certificate each copy)
Free for once a year for audit purpose.
p. Issuance of TDS Certificate Free
Up-to 3 month free
q. Duplicate Customer DR/CR advice 3 months to 1 year NPR 100/-
1 year to 2 years NPR 200/-
Above 2 years NPR 500/-
Up-to 3 month free
r. Record Retrieval Charge 3 months to 1 year NPR 200/-
1 year to 2 years NPR 500/-
Above 2 years NPR 1,000/-
s. Amendment of Stranding Instruction NPR 100/- Per Instruction.
t. Account Closer Charge
i. For account less than 6-month old NPR 500/-
ii. For account more than 6-month old Free

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 i) No interest shall be paid if Pre-matured
within 90 days.

u. F.D Premature or Liquidation ii) If after 3 months’ interest rate at the time
of placing FD will be applicable for the
period actually held less penalty 2% p.a.
v. Issuance of Duplicate Fixed Deposit Receipt NPR 100/-
w. Certification Charges (other than Specifically NPR 500/-
mentioned in this STC)
• NPR 100 flat for any transaction
above NPR 500K.
• No ABBS charge for same district or
x. ABBS Charge within valley (or as mentioned in
Product Paper).
• ABBS free for loan repayments
(Installments for Term Loan)
• Free for OD Loan Account
10.Outward Cheque Clearing Charges Local and LCY:
Service Fee/Charges
a. Cheque below NPR 2 Lakhs Free
b. Cheque of NPR 2 Lakhs NPR 10/- per Cheque
c. Cheque above NPR 2 Lakhs NPR 25/- Cheque
d. Express Clearing NPR 100/-
11. Lending Fees (Business, Retail & Micro Loans):
Services Fees and Charges
a. Administrative Fee New : 1 % of Loan Limit
(For Mortgage Loan, Auto Loan for Private Vehicle, Renewal: 1 % of Loan Limit
Share Loan, except Loan against FD, Commitment Fee only in Revolving
Gold Loan & Loan Mentioned in Section (b) Loan: 1 % of unutilized amount if
average utilization during the review
period is less than 60%
b. Administrative Fee New/Renewal: 1.5 % of Loan Limit
For Professional Loan, Commercial and Semi Commitment Fee only in Revolving
Commercial Vehicle, Over Draft Card and Others. Loan: 1% of unutilized amount if average
utilization during the review period is less than
60%
c. Gold Loan Gold Security Fee:0.25% per quarter
d. Nyuna lagat Awash karja 1.25%
e. Sajilo Laghu karja (OD/Term) New: 1.5%
Renewal : 1%
f. DSL Rickshaw loan 1.25%
g. Sajilo Byabashaya karja (OD/Term) Nil
h. Sajilo krishi Karja(OD/Term) Nil
i. DSL wholesale lending New: 0.75%
Renewal : 0.5%

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 Service Fee/Charges
NPR 500/- flat
j. Late Payment Fee 5 days Grace period shall be provided)

k. Penal Interest Penal interest 2% on principal and or

interest becomes overdue/default

NPR 5,000 flat per account for loan limit

l. Watch List Accounts upto 10 million.
NPR 10,000 flat per account for loan limit
above 10 million

m. Swap Charges 2% flat on loan outstanding

n. Pre-Disbursement Fee (All Loans) 0.50% of proposed pre-disburse limit

• For loan limit upto NPR 5 million
 NIL

• For loan limit above NPR 5 million

o. Prepayment Fee (Term Loan)  1 % flat on prepayment amount.

• In Case of loan limit above NPR 5

million. If customer repays the loan
from his/her own source due to
changes in initial terms and
condition.
 NIL
p. Collateral Replacement /Change charge NPR 5,000/- Flat
q. Property/ Vehicle Release Charge NPR 1000/- (In case of Collateral
replacement/Change Charge – N/A
r. Share Release Charge NPR 100/- per company
s. Issuance of Credit reference letter to other NPR 1000/- per request
BFI’s
t. Temporary Release of LORC Fee NPR 500/-

12. NRB Cheque (Issuance of NPR Cheque)

Service Fee/Charges
a. Account Holder NPR 500/-
b. Non Account Holder NPR 1,000/-
c. Financial Institutions Free
d. Cancellation of Cheque NPR 500/-

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13. Non funded Business:
Service Fee/Charges
a. Admin Fee for both LC & BG 0.25% of Total Loan Limit
For FCY, INR and NPR 0.25% per
b. LC Issuing Commission (Usance/ Sight) quarter or NPR 1500 whichever is higher
For increase in LC value and or
extension of LC expiry, commission is to
c. LC and BG Amendment Charges be charged as [per new LC establishment
fee or NPR 1000 whichever is higher.
Other amendment; NPR 500 per
amendment
d. Issuance LC Acceptance Commission 0.10% per month or minimum NPR 1500
per quarter
BBG: 0.25% per quarter or minimum
NPR 1500 whichever is higher,
e. Bank Guarantee Commission PBG: 0.30% per quarter or minimum
NPR 1500 whichever is higher,
APG: 0.375% per quarter or minimum
NPR 1500 whichever is higher
f. Document Handling Charges NPR 800 per LC

g. Admin fee of both new and renewal files of 1% of total loan limit
business loan

14. Staff Facility:

Service Fee/Charges
a. M-bank, I-bank, Cards Fee 100% waiver.
b. On Security Deposit Locker 100% waiver
and Locker Surrender charge
c. Commitment fee and Pre-payment charge 100% waiver
d. Others mentioned in STC 50% waiver
Note: Above mentioned (STC) charges can be waived upto 100% or as per NRB regulations by CEO.

15. Managers Cheque (Issuance of M.C):

Service Fee/Charges
a. Account Holder NPR 250/-
b. Non Account Holder NPR 500/-
c. Financial Institutions NPR 250/-
d. Credit Client/ Loan Disbursement Free
e. Stop payment/Cancellation of Manager's NPR 500/-
Cheque

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Central
CentralOffice,
Office,Anand
AnandBhairab
BhairabMarg,
Marg,Gyaneshwor-30,
Gyaneshwor-30, Kathmandu
Kathmandu || Tel:
Tel: +977-01-4440115, 4440116 || Fax:
+977-01-4440115, 4440116 Fax: +977-01-4440134
+977-01-4440134||Toll
TollFree
Freeno.:
no.:16600-11-3000
16600-11-3000
E: info@kamanasewabank.com | W: www.kamanasewabank.com
E: info@kamanasewabank.com | W: www.kamanasewabank.com

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