Toll Free No.: 16600107777

21st December 2014 - Home

Standard Tariffs of Charges

     

 Customer Services

NRB Cheque issuance/ NRB Swift

Rs.500/- flat (Free in case of payment to be made by the Bank itself)

Stop Payments of cheque

a) Rs.300/- per instruction, in case of same branch.

b) Rs.400/- per instruction, in case of other branches.

Standing Instruction

Rs.250/- per instruction

 Good for Payment

 Cheques certified “Good For Payment"

a) Rs.300/- per cheque for same Prabhu branch account

b) Rs.500/- per cheque for other Prabhu branch’s cheques

Cancellation of Good For Payment cheque

Rs.300/- per instrument

Cheques returned (due to insufficient balance only)

For Inward / Home cheques: Rs.300/- per cheque

 Balance Certificate

 
 Issuance of Balance Certificate/ Reconfirmation of balance

a) Rs.500/- per certificate

b) Rs.500/- flat for any balance re-confirmation

 Issuance of balance certificate - other branches

Rs.500 per balance certificate

 Account Closure

A/C close (C/A & S/A) within 3 months

Rs. 500/- or USD 10 or equivalent.

A/C close after 3 months

Rs. 300/- or USD 5 or equivalent

Account close to open fresh account at same or another branch

Rs. 200/- flat or USD 5 or equivalent

 Encashment of Outstation Prabhu Cheque / Inter Branch Cash Deposits

Withdrawal from account maintained at other Prabhu branches

0.05% or Rs. 100 whichever is higher and maximum upto Rs. 2,000.

Fax Transfer ( With other banks)

As per agreement

IB Cash / Cheques Deposit

0.05% or Rs. 100 whichever is higher and maximum upto Rs. 2,000.

Deposit/Withdrawal to and from Overdraft Loan Account & A/c of Corporate Customer (Business booked by Business Banking, Consortium & Project Financing.

Free

 FCY Notes

FCY note deposit into account

0.50% of the face value (NRB requirement) for the denomination below USD 50/-

 Safe Deposit Lockers (SDL)

 

Charges for Lockers

Type

Dimension in mm

Annual Charge

Security Deposit*

  1

 15*20 (1A)

 Rs. 2,000

 Rs 5,000

  2

 15*40 (1C) 

 Rs. 2,500

 Rs 8,000

  3

 20*25 (1F)

 Rs  3,000

 Rs 10,000

  4

 20*50 (2B)

 Rs  4,000

 Rs 12,000

  5

 30*20 (3D)

 Rs. 3,000

 Rs 10,000

  6

 30*40 (3G)

 Rs  5,000

 Rs 15,000

  7

 40*50 (L2)

 Rs  8,000

 Rs 20,000


In case of existing lockers in Lainchour, New Road and Pokhara (Erstwhile Prabhu Bikas Bank), the charges are as below:
 

  Size of Locker

  Annual Charge

  Security Deposit*

  Small Size

  Rs. 2,000

  Rs. 5,000

  Vertical Size

  Rs. 2,500

  Rs. 8,000

  Medium Size

  Rs. 3,000

  Rs. 10,000

  Large Size

  Rs. 3,500

  Rs. 15,000

  X-Large Size

  Rs. 4,000

  Rs. 20,000

 

  Breaking of Locker/ Replacement of Keys

  Rs. 5,000/- or Actual Cost of lock replacement whichever is      higher.

  Surrender of Locker

  Free

 

  Cheque Book

 
 
Cheque Book issuance (fresh request)

Savings Accounts: Free up to 25 leaves at one time issuance. For more than 25 leaves at one time issuance Rs. 2 per additional leaf above 25 leaves.*

Current accounts / Call accounts: Free up to 50 leaves at one time issuance. For more than 50 Note: where customer request is not specific, only10 leaves to be provided at one time issuance.

 Cheque Book issuance against lost Cheque Book

Rs. 100/- per cheque book in case of same branch.

Rs. 300/- per cheque book in case of other Branches.

Charge for Uncollected Cheque Book

Rs. 300/- per cheque book (Cheque books not collected within six months from issuance).

Cheque Book issuance of other Branches

Free

 Withdrawal Slip/Counter     cheque

Rs. 50 per slip for same branch.

Rs. 100 per slip for other branch.

(Free, in case of ATM not working)

 

Account Statement

Duplicate Account Statement

Rs. 20/- per page. Free in case of issuance of Balance Certificate.

Account statement of Other Branches

Free

Statement to be posted abroad

Rs. 500 plus actual courier charge

Duplicate, Customer DR / CR advice/ Record (On customer request)

 
Within 3 months of   transaction

Free for first time when fresh advice is issued at the time of transaction place.

Rs. 100 for duplicate document.

After 3 months and up to 2 Years

Rs 200/- per request.

After 2 years

Rs.500/- per request

 Duplicate FD Certificate

Rs.500/-

 FD Liquidation

a) No Interest to be paid if it is liquidated within 3 months.

b) Interest to be paid by applying coupon rate or prevailing published interest rate for the FD actually maintained period whichever is lower less 2% p.a. for the entire period of FD placed.


  Card Related Fees (Prabhu Debit Card including VISA Debit and Credit Card)

Description of Charges

SCT Debit Card

VISA Debit (Domestic)

VISA Debit Int'l

VISA Credit Card Domestic

VISA Credit Card Int'l

Card Issuance

Free

Rs.250/-

USD 5/-

Rs. 750/-

USD 15/-

Renewal of  Debit  Card

Rs.200/- per year

Rs.250/-per year

USD 5/-per  year

Rs. 500/-

USD 10/-

Debit Card for  loan   A/C

Rs.250/-

Rs.250/-

USD 5/-

NA

NA

Re-issuance (lost card   etc.)

Rs.200/-

Rs.250/-

USD 5/-

Rs. 500/-

USD 10/-

Pin Re- generation  of Debit Card

Rs.100/-

Rs.100/-

USD 1.50/-

Rs. 100/-

USD 1.5/-

Card delivery from other
branches

Rs.100/-

Rs.100/-

USD 1.50/-

NA

NA

Uncollected debit cards

Rs.250 (if not   collected within 6 months)

Not applicable

Not applicable

NA

NA

 

 Urgent Card Issuance fee

 Normal card charge plus Rs. 100/-

 

 Travel Card Issuance

 Rs. 500/- per card


 SMS Banking / mCash (Mobile Wallet)

mWallet with transaction alert

Rs.300 per account per year

 mWallet pin reset charge 

Rs. 50

mWallet– mobile number change

Rs. 50

 


Inter-Bank Fund Transfer Charges Through M-Wallet

Transaction Range (NPR)

Transfer Fees (NPR)

100 to  1,000

10

1,001 to 10,000

20

10,001 to 20,000

30

20,001 to 30,000

40

30,001 to 40,000

50

40,001 to 50,000

60

 

 Hello Paisa

For Customers doing Cash In at Bank (Prabhu Bank & Any other Hello Paisa- Partner Bank)

Free

For Customers doing Cash Out at Prabhu Bank

Free

 For Customers doing Cash Out at Other Hello Paisa- Partner Bank, charge is as below:

 

 Transaction Slab based fees for Cash Out @ Other Bank

S.No.

                              Slab

Price NPR

Services

From

To

1

1

5,000

10

Cash Out at Other Bank

2

5001

10,000

15

3

10,001

25,000

25

4

25,001

50,000

35

5

50,001

100,000

45

 

 Transaction Slab based fees for Other Transactions

S.No.

                              Slab

Price NPR

Services

From

To

1

1

5,000

10

Mobile A/c to Mobile A/c (P2P)
Request money (RMoney)
Unregistered  payment (UPay)
 

2

5001

10,000

15

3

10,001

25,000

25

 

 Transaction Slab based fees for

S.No.

                              Slab

Price NPR

Services

From

To

1

1

5,000

10

Cash in by agent
Cash out by agent

2

5001

10,000

15

3

10,001

25,000

25

4

25,001

50,000

35

5

50,001

100,000

45

 

 Other Fees

 Details

 Fees

 ATM Withdrawal Verify OTP

 Rs. 20 upto Rs. 20,000

 SVA Balance Inquiry

 Rs. 3 after first four request/ month

 SVA Mini Statement

 Rs. 3 after first four request/ month

 Bank Account Balance Inquiry

 Rs. 3 after first four request/ month

 Mobile A/c to Bank A/c Transfer

 Free

 Bank A/c to Mobile A/c Transfer

 Free

 NTC Balance Transfer to Self

 Free

 NTC PSTN Bill Payment to Others

 Free

 NTC Balance Transfer to Others

 Free

 NTC Postpaid Bill Payment to Self

 Free

 NTC Postpaid Bill Payment to Others

 Free

 NTC ADSL Bill Payment to Others

 Free

 Ncell Balance Transfer to Self

 Free

 Ncell Balance Transfer to Other

 Free

 Ncell Postpaid Bill Payment to Self

 Free

 NCELL Postpaid Bill Payment to Other

 Free

 Merchant Payment Initiated By Merchant

 Free

 Dish Home Voucher Request to Self

 Free

 Dish Home Voucher Request For Other

 Free

 Pin Reset

 Free

 Pin Change

 Free

 Internet Banking Service

 Registration for service  Rs. 200/- per account
 Renewal fee  Rs. 200/- per account ( Annually )
 Pin regeneration  Rs. 100/-
 Uncollected pin destroy charge  Rs. 100/- (if not collected within 3 months)

 CCTV footage request

 Rs. 500/- per request

 

 Card Transactions Fees (Prabhu Debit Card including VISA Debit and Credit Card)

Description

SCT Debit Card

VISA Debit Card (Domestic)

VISA Debit Card (Int'l)

Visa Credit Card (Domestic)

VISA Credit Card (Int'l)

Onus Card Onus ATMs- Cash Withdraw

Free

Free

Not Allowed
 
 
 
 
 
 

Rs. 100

 
 
 
 
 
 
 
 
 
 
Transaction doesn’t allow.
 
 

Onus Card Onus ATMs- Balance enquiry

Free

Free

No Charge

Onus Card Onus ATMs-Mini Statement

Rs. 5

Rs. 5

 

NA

Onus Cards SCT ATMs-Cash Withdrawal

Rs.25

Rs.30

Rs. 150

Onus Cards SCT ATMs-Balance Inquiry

Rs.3

Rs.5

Rs. 5

Onus Cards SCT POS

Free

Free

No charge

Onus Cards HBL ATMs-Cash Withdrawal

Rs.25

Rs.20

NPR. 150

Onus Cards HBL ATMs-Balance Inquiry

Rs.3

Rs.5

NPR 5

Onus Cards at VISA ATMs(Nepal)-Cash Withdrawal

Service not available

Rs.150

 
Service not available
 
 

NPR. 200

Onus Cards at VISA ATMs(India)-Cash Withdrawal

Rs.250

NPR. 250

Onus Card at VISA ATMs (India)-Balance Inquiry

Rs.50

NPR. 50

Onus Card at VISA ATMs(International)-Cash Withdrawal

Service not available

USD 5

Not Allowed

USD 5

Onus Card at VISA ATMs(International)-Balance Inquiry

USD 0.75

Not Allowed

USD 0.75

VISA / Master Card acquiring surcharge(Except for Cards issued from Europe, India and Nepal)

NA

NA

Rs.400

NA

NA

Interest on cash withdrawal

NA

NA

NA

2.5% per month

1% per month

Late Payment Fee

NA

NA

NA

NPR. 300 per instance

USD 5 per instance

Over limit fee

NA

NA

NA

NPR.250.00

USD.5.00

Limit Enhancement fee (customer request)

NA

NA

NA

NPR.500.00

USD.10.00

 Counter Bill Payment

Nepal Telecom Bill Payment

Free

Nepal Telecom GSM Postpaid Bill Payment

Nepal Telecom ADSL Bill Payment


 REMITTANCES

 
 
  Draft/SWIFT(including advance payment) in  FCY (Customer)

i) 0.15% or minimum Rs.500/- for each draft /SWIFT in AUD / JPY*.

ii)0.15% or minimum Rs.300/- for each draft/SWIFT in USD / GBP /EURO

iii)0.15% or minimum Rs.200/- for each draft/SWIFT in INR*.

*Note: 1.For remittance outward through the medium of  SWIFT

 
Draft/Swift FCY (Non Customer - Student studying abroad only)

0.30% or minimum Rs.500/- for each draft/swift*.

*Note: 1.For remittance outward through the medium of  SWIFT, communication charges as per Section 5 of  STC will also be charged in addition to commissions specified as above

 NPR Draft /  MC Issuance (Customer)

0.10% or minimum Rs. 200/-

NPR Draft /  MC Issuance (Non Customer)

0.20% or minimum Rs. 300/-

SWIFT MT 103 payment with charges “our” only to customer

USD 20 / GBP 20 / EUR 35 / AUD 20 / JPY 5500 / INR 200 (or equivalent NPR amount) initially and additional charges as per claim of the intermediary bank.

 Cancellation of Remittance DD/MC/etc

  a) Up to six months from  draft issuance date
b)  > 6 months to one year from draft issuance date
c) > 1 year after draft issuance date
d) Cancellation request of  SWIFT Payment

a)   Rs. 300/- flat per draft plus communication

b)   Rs. 500/- flat per draft plus communication

c)    Rs. 1000/- flat per draft plus communication

d)   Rs. 500/- flat plus communication

 
 
  
 
 
 
 
Stop  payment of Manager Cheque (MC) / Demand Draft(DD)

 
 
Stop payment of MC / DD(INR)

a) Rs. 300/-per instruction for same Prabhu Branch cheques(for MC)

b) Rs. 500/-per instruction for Other Prabhu Branch’s cheques(for MC)

c) Rs. 500/-(plus communication charges as per Section 5 of STC where ever applicable) for DD issued in INR

Stop Payment of  FCY Demand draft (other than INR)

a) GBP 25 or equivalent NPR  per instrument issued in GBP

b) AUD 20 or equivalent NPR per instrument issued in AUD

c) USD 10 or equivalent NPR per instrument issued in USD

d) EUR 20 or equivalent NPR per instrument issued in EURO

 

 Remittance / Inward

 
 
 
 
 
 
 
Remittance inward

a) Received in FCY from Correspondent Banks : Free of Charge.

(i.e. Remittance from SCB / Common Wealth Bank / Mashreq Bank / NIC Bank in USD / Yes Bank, etc.).

b) Received in LCY from other Local BFIs: Rs.200 flat per transaction or a/c credit.

(i.e. remittance in NPR from any other Nepali Bank.)

c) Received in LCY from Remittance Companies / Money Transfer: Rs.200 flat per transaction or a/c credit.

(such as Annapurna Travels, Prabhu Money Transfer, IME for their sub-agent account funding or account credit of customers with us other than online payment system)

d) Remittance in LCY through Online Payment System: Free of Charge, Commission as per agreement.

(i.e. remittance payment of IME, SDBL, Western Union, etc. through online payment system).

Transfer to another bank

0.20% or minimum Rs. 300/- inclusive of communication charges as per STC Sec.5.

Follow up SWIFT on remittances at customer’s  request

Rs.750/- per message plus other bank charges if any plus communication (As per section 5 of STC.)

 

Clean Cheque Collection

Local clearing cheques (Normal Course)

Free

Local clearing cheques (Special /Express clearing)

Rs. 500 or USD 10 per cheque

Inward clean collection (except local clearing)

0.25% minimum Rs 500/-(plus out of pocket expenses)

 
 
Cheque Collection Outwards FCY/LCY

0.125% or minimum Rs.500/- plus postage/courier

Note-1. Minimum Balance of NPR 10,000/- FCY to ensured before cheque is sent for collection/presented for clearing(in case of outward cheques).

Issuance of Advance Payment Certificate

Rs.250/- per certificate.


 TRADE FINANCE

Documentary Credit

 
 
Issuance commission of     documentary credits

Domestic LCs - 0.25% or minimum Rs. 1,000 per quarter whichever is higher. **

International LCs:-
For Industries: 0.125% or min. Rs. 1000 per quarter
For Trading and Others: 0.15% or min. Rs. 1000 per quarter **
 

 
 
 Revolving L/Cs reinstatement ( As par with 3.1.1)

Domestic LCs - 0.25% or minimum Rs. 1,000 per quarter whichever is higher. **

International LCs :
For Industries: 0.125% or min. Rs. 1000 per quarter
For Trading and Others: 0.15% or min. Rs. 1000 per quarter
 **

Acceptance Commission

For Industries: 0.25% or min. Rs. 2000 per quarter
For Trading and Other Units: 0.30% or min. Rs. 2000 per quarter
 **

 
(** Communication charges as per STC section 5).

L/C amendment (Import)

Rs 500/- on all amendments except for increase in LC amount and / or extension of validity in which case charges shall be as per 3.1.1 plus communication charges as per section 5 of STC. However, no communication charges shall be applicable, where LC amendment is only for customs purpose.

Confirming commission (Subject to approval for  import LC)

025% - 0.50% per quarter or minimum Rs. 3,000/- per quarter, whichever is higher (plus communication charges as per section 5 of  STC)

Discounting under Import LC

Negotiable

 

L/C cancellation  Charge 

Fully unutilized: NPR 1,000 flat

Partially unutilized: NPR 500 flat (if partial shipment allowed) plus communication charges as per STC Section 5).
'Only in case of L/Cs cancelled after obtaining consent from Beneficiary.
Not applicable where L/Cs can be cancelled merely on Applicants’ requests or upon expiry

Document Handling Charges (import –LCs  / Non LCs)

Rs. 1,000/- for each set of documents (plus communication charges as per Section 5).

Documents against  payment (DAP)

0.25% - 0.375%  or min Rs.1,000/- 

(plus communication charges as per section 5 of STC).

Documents against Acceptance(DAA)

a) 0.50% - 0.75% per quarter or min Rs.1,000/- per quarter at the time of acceptance booking (plus Communication charges as per Section 5 of STC).

b) Rs. 500/- flat at the time of payment.

 Discrepancy Fees (Docs under import L/Cs)

a)   Convertible FCY L/Cs

a) USD 50 or equivalent per set of Docs plus communication fee of USD 10 per set of documents

b)   INR L/Cs

 b) INR 2,000 or equivalent per set of Docs plus communication fee of INR 500 per set of documents

c)    Rs. L/C (Domestic)

c) Rs. 3,000 per set of Docs

Over drawn commission under Import L/C

0.50% on overdrawn amount or Rs.1,000/- whichever is higher.

Issuance of Delivery Order under L/C  against copy documents.

Rs.500/- per set of documents

Interest rate on BLC

Highest published lending rate of the Bank.

Commission for Import bills for collection Documents (including LC ) returned unpaid /unaccepted

Rs.1,000 per instrument or per set of document

(Communication charges as per Section 5 of STC.)

BCI Report obtainment charge

As claimed by the BCI report provider(plus communication charges as per Section 5 of STC)

 Advising / Amendment in Export L/Cs

Advising Export Letter of Credit or subsequent amendment for L/Cs not to be negotiated with us.

Rs.3,000/- Advising (plus communication charges as per STC Sec. 5).

Rs.2,000/- Amendment (plus communication charges as per STC Sec. 5).

Advising Export Letter of Credit or subsequent amendment for L/Cs to be negotiated (both LCY & FCY) with us.

Rs.1,000/- Advising / Amendment (plus communication charges as per Section 5 of STC).

a) Documents Negotiation  under Sight L/C

ai.  Clean Sight Documentary Bills:
0.6% of Document value or Min. Rs. 1,000 up to 15 days.
Overdue Interest:
Highest published lending rate of the Bank, effective after 15 days from negotiation date
(plus communication charge as per section 5).
ii.    Discrepant Sight Documentary Bills:
0.75% of Document value or Min. Rs. 2,000 up to 15 days.
Overdue Interest:
Highest published lending rate of the Bank, effective after 15 days from negotiation date
(plus communication charge as per section 5).

b) Documents Negotiation under Usance L/C

b) Clean Usance Documentary Bills:
0.6% of Document value or Min. Rs. 1,000 per month.
Overdue Interest:
Highest published lending rate of the Bank, effective from next working day after the date of maturity
(plus communication charge as per section 5).
ii.   Discrepant Usance Documentary Bills:
0.75% of Document value or Min. Rs. 2,000 per month.
Overdue Interest:
Highest published lending rate of the Bank, effective from next working day after the date of maturity
(plus communication charge as per section 5).

 L/C Transferring Charge

Rs 1,500/- flat (plus communication charges as per  STC Sec.5)

Processing  documents under collection under Export LC

0.10% of document value or min Rs 1,000/- (plus communication / courier charges as per STC sec 5).

Documents under collection without L/C  including CAD

0.25% per quarter or min Rs 2,000/- per quarter (plus courier / communication charges as per STC Sec.5).

Confirmation Charge  (Export LC) subjected to   prior arrangement

0.25% per quarter of LC value or minimum Rs.2,000 per quarter (plus courier charges/communication charges as per Section 5 of STC).

Document Handling charge (Export LCs / Non LCs)

Rs. 1,000/- for each set of documents (plus communication charges as per Section 5 of STC).

Stop Payment/Cancellation Charge of NRB Security Margin Cheques

Rs.300 per instrument

 
 

 Guarantees

Bid Bond

0.25% per quarter or minimum Rs 500/- per quarter, whichever is higher

Performance Bond

 0.35% per quarter or minimum Rs 750/- per quarter, whichever is higher

Advance Payment Guarantee

0.40% per quarter or minimum Rs.1,000/- per quarter, whichever is higher

Supplier Credit Guarantee

0.40% per quarter or minimum Rs. 1,000 per quarter, whichever is higher

Guarantee issued by us against the guarantee  issued by other bank (FCY/NPR)

0.35% per quarter or min. USD 50 per quarter plus commission / charge of other bank plus out of pocket expenses

Other Guarantees:

  1. 100% Cash margin (i.e. only either against cash margins or lien mark of non-interest bearing deposits)

  2. Others (For special purpose)

 
Negotiable
 
 
0.4375% per quarter or minimum Rs. 2,000 per quarter, whichever is higher

Shipping Indemnity

Rs 1,000/- flat

Amendment not affecting value & validity

Rs.750/- flat plus communication charges.

Amendment affecting value & validity

The same rate as fresh issuance

Claim Handling Charge

NPR 1,000/- per claim


 COMMUNICATION, POSTAGE AND TEST KEY HANDLING CHARGES

 Communication   –  SWIFT

Simple payment message (Nepal)

Rs. 500/- per message

Simple payment message (India)

Rs.750/-per message

Other messages (India)

Rs.750/-per message

 
L/C, GTEE messages India

Prime clients: Rs.1,000/-per message

Non-prime Clients: Rs.1,500/-per message

Simple payment message (Elsewhere)

Rs.750/-per message

 
Other messages (Elsewhere)

Corporate Clients: Rs.750/-per message

Non-Corporate Clients: Rs.1,000/-per message

L/C, GTEE messages (Elsewhere)

Rs.1,500/-per message

SWIFT Charge for Placing Reimbursement authorizations/ IRU Requests under L/Cs’

Rs. 750/-per message.

SWIFT charge for advising due date under Usance Credit

Rs. 750/- per message.

SWIFT charge for Amendment in import  LCs.

Rs.500/- per for single page amendment (i.e. for initial page only). However Rs.300 per page to be charged for every additional page of amendment.

SWIFT charges  for  correspondence done on behalf of  bank for bank’s own purpose

Free

 Courier (For each packet up to 500 gms)

Nepal

Rs. 100

India

Rs. 350

Other Countries

Actual Cost basis as per arrangement with Courier service or Minimum Rs.1,000 per set of documents whichever is higher.

 Postage

Nepal

Rs.   50/- per set of documents

India

Rs. 100/- per set of documents

Other Countries

Rs. 500/- per set of documents

6. CREDIT ADMINISTRATION

Credit inquiries

Reciprocal basis. Rs.500/- per enquiry for banks without reciprocal arrangement.

 CICL Charge

 
 
  
Credit Information

a) For entity with no transactional/clean report*

 Off line                    Online

 Rs.275                      Rs.250

b) For an entity with transaction/detail report*

  Off Line                  Online

 Rs. 600                    Rs.550

*Note: Charges above mentioned are on actual basis. Changed rates shall be applicable, if amended by CICL from time to time.

 
 
 
 
 
Black Listing / delisting charges

a) For Borrower having exposure of Rs. 10 million and above*

   -Rs. 3,000 per request of listing/delisting

b) For Borrower  having exposure of  below Rs. 10 million*

  -Rs. 2,000 per request of  listing /delisting

*Note: Charges above mentioned are on actual basis. Changed rates shall be applicable, if amended by CICL from time to time.

 LENDING FEES

Commitment Fee (Term Finance)

2% p.a. of undrawn limit

Commitment Fee (Working  Capital Finance)

2% p.a. if utilization is below 50% (For eg. If utilization is 40% only, the commitment fee will be applicable for the differentiate i.e. for 10% only)

Prepayment Charge

a) Term loan: 2% on flat for amount settled before the committed Tenure

b) OD and revolving nature loan: Free

Loan Administration Fee

Upto1% of loan limit

Letter issue for Share pledge ( Margin Lending)

Rs. 100 per letter.

Pledged share release charge (Margin Lending)

Rs. 100 per letter.

Administrative Charge for Real Estate collateral release in case of loan prepayment, where separate prepayment charge not taken

Rs. 500 per instance

Administrative Charge for letter issuance to Land revenue office/ Local Authority/Survey office etc. on customer request other than loan repayment fully

Rs. 500 per letter

Administrative charge for Temporary Release of original LOC

Rs. 500 per instance

Letter issuance to Transportation Management Office

Rs. 500 per letter

Certificate for Credit Line

Rs. 500 per certificate

PENAL INTEREST

 Principal Penal

Ranging from 1% p.a. to 3% p.a. based on overdue tenure on overdue amount.

 Interest rate on Interest

Ranging from 1% to 3% p.a. based on overdue tenure on overdue interest / outstanding principal amount.