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19th May 2013 - Home

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Standard Tariffs of Charges

 
     Service Type   Charges
A. Customer Services  
Stop Payments of cheque a) Rs.300/- per instruction for same Kist branch’s account.
b) Rs.400/- per instruction for other Kist branch’s cheques.
Standing Instruction
 		 Rs.250/- per instruction
Good for Payment Charge a) Rs.300/- per cheque for same Kist branch account
b) Rs.500/- per cheque for other Kist branch’s cheques
Good for Payment Cancellation Rs.300/- per instrument
Cheques Bounce Charges
(due to insufficient balance only)       		 a)Inward/Home Cheque : Rs.300/- per cheque including over the counter and clearing cheque return
b)For Outward  clearing chques(LCY): Rs.100 per cheque (both local clearing and collection cheques)
Issuance of Balance Certificate / Reconfirmation of balance a) Rs.500/- per certificate of same branch
b) Rs.500/- flat for any balance re-confirmation
Issuance of Balance Certificate(other branches) Rs. 750/- per balance certificate
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.
Cheque Book Issuance (fresh request)
Saving Accounts: Free up to 25 leaves at one time issuance. For more than 25 leave at one time issuance Rs. 2 per additional leaf above 25
Current Accounts / Call Accounts: Free up to 50 leaves at one time issuance. For more than 50 leaves at one time Rs. 2 per additional leaf above 50 leave.
 
Note: However, where customer request is not specific, only 10 leaves to be provided at one time issuance.
Cheque Book issuance against lost Cheque Book
Rs. 500/- per cheque book.
Charge for uncollected Cheque Book Rs. 300/- Per cheque book (not collected within six
months)
Cheque Book issuance of Other Branch Rs. 200/- upto 10 leaves and Rs. 500 above 10 leaves
Withdrawal Slip Rs. 25 per slip for same branch.
Rs. 50 per slip for other branch.
Duplicate Account Statement Rs 20/- per page. Free in case of issuance of Balance Certificate.
Account Statement of Other Branches Rs 20/- per page. Free in case of issuance of Balance Certificate.
 CCTV footage request  Rs.500/-per request.
Record Retrieval charges (on customers request)
 Within 3 months transactions Free
 Above 3 months and up to  2 years 200/- per request.
 
 After 2 years 700/- per request.
 
Duplicate, Customer DR/CR advice, FD Certificate
Duplicate FD certificate Rs.500/-
Within 3 months of transaction Free
After 3 months and up to 2 years Rs 200/-
After 2 years Rs.500/-
 FD Liquidation a)No Interest - within 3 months
b) Lower of coupon rate or prevailing published interest rate for the FD actually maintained period less 3%.
C. Safe Deposit Lockers (SDL)
Type Dimension in mm Annual Charge
1 15*20 (1A) Rs.  1,000
2 15*40 (1C) Rs.  2,000
3 20*25 (1F) Rs.  3,000
4 20*50 (2B)

Rs.  4,000
5 30*20 (3D) Rs.  2,500
6 30*40 (3G) Rs.  5,000
7 40*50 (L2) Rs.  8,000
Breaking of Lockers / Replacement of Keys Rs. 5,000/- or Actual Cost of lock replacement whichever is higher.
Surrender of Locker Free.
D.1. Card Related Fees (KIST Debit Card including VISA Debit Card)
Description of Charges SCT Debit Card VISA Debit Card  
 (Domestic)		 VISA Debit Card
 (International)
Card Issuance Free Rs.250/- USD 5/-
Renewal of Debit Card Rs.200/- per year Rs.250/-per year USD 5/-per year
Debit Card for loan A/C Rs.250/- Rs.250/- Rs.250/-
Re-issuance (lost card etc.) Rs.200/- Rs.250/- USD 5/-
Pin Re-generation of Debit Card Rs.100/- Rs.100/- USD 1.50/-
Supplementary Card Rs.250 per additional card upto 2 (for own family members) Rs.250 per additional card upto 2 ( for own family members) USD 5 per additional card upto 2 ( for own family members)
Uncollected debit cards Rs.250 (if not collected within 6 months) NA NA
D.2. Card Transactions Fees (KIST Debit card including Kist VISA Debit Card)
Description SCT Debit Card VISA Debit Card  
 (Domestic)		 VISA Debit Card
 (International)
Onus Card Onus ATMs-Mini Statement Rs. 5 Rs. 5 Service not available
 
Onus Cards SCT ATMs-Cash Withdrawal Rs.25 Rs.30
Onus Cards SCT ATMs-Balance Inquiry Rs.3 Rs.5
Onus Cards SCT POS Free Free
Onus Cards HBL ATMs-Cash Withdrawal Rs.25 Rs.20
Onus Cards HBL ATMs-Balance Inquiry Rs.3 Rs.5
Onus Cards at VISA ATMs(Nepal)-Cash Withdrawal Service not available
 		 Rs.150
Onus Cards at VISA ATMs(India)-Cash Withdrawal Rs.250
Onus Card at VISA ATMs-Balance Inquiry Rs.50
Onus Card at VISA ATMs(International)-Cash Withdrawal Service not available
 		 USD 5
Onus Card at VISA ATMs(International)-Balance inquiry USD 0.75
VISA/Master Card acquiring surcharge(Except for Cards issued from Europe, India and Nepal) NA NA Rs.400
E. SMS Banking / mCash (Mobile Wallet)  
mCash without transaction alert Rs.100 per year
mCash with transaction alert(for Individuals) Rs.300 per year
mCash with transaction alert(for corporate entity) Rs.500 per year
mCash pin reset charge  Rs.25
F. Internet Banking Service
Registration for service Rs. 200/-
Renewal fee Rs. 200/- ( Annually )
Pin regeneration Rs. 50/-
G. Counter Bill Payment
Nepal Telecom Bill payment  
Free
 
Nepal Telecom GSM postpaid Bill payment
Nepal Telecom ADSL Bill payment
H. Remittances
Draft / SWIFT(including advance payment) in FCY (Customer) i) 0.15% or minimum Rs.500/- for each draft / SWIFT 
   in AUD / JPY plus communication charges for 
   remittance through SWIFT.
ii) 0.15% or minimum Rs.300/- for each draft / SWIFT 
    in USD / GBP / EURO plus communication charges
   for remittance through SWIFT.
iii) 0.15% or minimum Rs.200/- for each draft / SWIFT 
    in INR plus communication charges for remittance
    through SWIFT.
Draft / Swift FCY(Non Customer-Student studying abroad only) 0.30% or minimum Rs.500/- for each draft / swift plus communication charges for remittance through SWIFT.
NPR Draft / MC Issuance (Customer) 0.10% or minimum Rs.200/-
 
NPR Draft / MC Issuance (Non             Customer) 0.20% or minimum Rs.300/-
 
NRB Cheque issuance / NRB Swift Rs.500/- flat.
SWIFT MT 103 payment with charges “our” only to customer. USD 20 / GBP 20 / EUR 35 / AUD 20 / JPY 4000 / INR 150 (or equivalent NPR amount) initially and additional charges as per claim of the intermediary bank.
Cancellation of Remittance DD/MC/etc
Up to six months from draft issuance date Rs. 300/- flat per draft plus communication
> 6 months to one year  after draft issuance date Rs. 500/- flat per draft plus communication
> 1 year after draft  issuance date Rs. 1000/- flat per draft plus communication
Cancellation request of SWIFT payment Rs. 500/- flat plus communication.
Stop  payment of (MC) / (DD)
 		 Stop payment of MC/DD(INR)
a) Rs. 300/-per instruction for same Kist Branch
    cheques(for MC)
b) Rs. 500/-per instruction for Other Kist Branch’s  
   cheques(for MC)
c) Rs. 500/-plus communication charges as 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
I. Remittance / Inward                     
Remittance inward (Customers) a) Received in FCY from correspondent banks: Free
 
b) Received in LCY from other Local BFIs : Rs. 200
    flat per transaction.
c) Received in LCY received from Remittance
    companies / money transfer : Rs. 200 per transaction  
    or a/c credit.
d) Remittance in LCY through Online Payment System:  
    Free, commission as per agreement.
Transfer to another bank 0.20% or minimum Rs.300/- inclusive of communication charges as applicable.
Follow up SWIFT on remittances at customer’s request       Rs. 750/- per message plus other bank charges if any plus communication as applicable.
Refund of Inward Payment & Nostro Cover USD 20.00 or equivalent plus other bank charges if any and communication charges as applicable.
J. Travelers Cheques (TC)
TC issuance 1% or Min. Rs 250/- per transaction.
TC Collection (Customer)
 
TC Purchase  (Customer)		 0.10% or minimum Rs.200/- plus postage / courier charges.
0.50% or minimum  Rs.300/-
TC purchase (Non-Customer / Tourist)
             		 a) within valley :1% of face value / minimum Rs. 350/-   
    inclusive of  postage / courier.
b) outside valley :2% of face value / minimum Rs. 350/-
    inclusive of postage / courier.
K. Clean Cheque Collection
 
 Local clearing cheques Free
 Inward clean collection (except local clearing) 0.25% or minimum Rs. 500/-(plus out of pocket expenses)                                                         
 Cheque Collection Outwards FCY / LCY 0.125% or minimum Rs.500/- plus postage / courier.
 FCY Cheque Bounce Charges FCY cheque sent for collection(outstation collection)
a) EUR 15 or equivalent NPR per instrument issued in   
    EURO plus communication charges as applicable.
 
b) USD 10 or equivalent NPR per instrument issued in  
    USD plus communication charges as applicable.
 
c) GBP 25 or equivalent NPR per instrument issued in  
    GBP plus communication charges as applicable.
d) AUD 45 or equivalent NPR per instrument issued in     
    AUD plus communication charges as applicable.
e)  NPR.200 per instrument issued in INR plus   
     communication charges as applicable.
 
Local clearing/collection/over the counter cheque return(both outward and inward)
a) GBP 5 or equivalent NPR per instrument issued in   
    GBP plus communication charges as applicable.
 
b) USD 5 or equivalent NPR per instrument issued in
    USD plus communication charges as applicable
 
c) Others if any NPR 500 for cheques issued in other
    FCY plus communication charges as applicable.
L. Local Interbank Transfers (at the request of one Bank to another)
If the beneficiary is a Bank Reciprocal Basis
For third party beneficiary 0.1% or minimum Rs. 500/- per transfer.
M. FCY Notes
FCY note deposit into account 0.50% of the face value (NRB requirement) for the denomination below USD 50/-
N. Advance Payment  Certificate Issuance Rs.250 per certificate.
O. Cheque Purchase            
Cheque Purchase FCY (subject to limit /approval) 0.50% or minimum Rs 500/- plus postage for 21 days. Overdue charges @ 18% p.a. from day 22 to the date of realization plus communication charges as applicable.
Returned Instrument (Purchased cheque) @ 18% p.a. from the date of purchase or minimum Rs.500/- plus other bank charges and communication charge as applicable.
Local Clearing Cheque Purchase 0.05% per day or minimum Rs. 350/- per day.
P. Trade Finance
Documentary Credit
Issuance commission of documentary credits Domestic LCs - 0.25% or minimum Rs. 1,000 per quarter whichever is higher plus communication charges as applicable.
International LCs - 0.15% or minimum Rs. 1,000 per quarter whichever is higher plus communication charges as applicable.
Revolving L/Cs reinstatement Domestic LCs - 0.25% or minimum Rs. 1,000 per quarter whichever is higher plus communication charges as applicable.
International LCs - 0.15% or minimum Rs. 1,000 per quarter whichever is higher plus communication charges as applicable.
 
Usance / Acceptance Commission 0.30% or minimum Rs. 2,000/- per quarter whichever is higher plus communication charges as applicable.
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 applicable. No communication charges are applicable for amendments meant for customs purpose only.
Confirming commission( Subject to approval for import LC) 0.25% - 0.50% per quarter or minimum Rs. 3,000/- per quarter, whichever is higher plus communication charges.
L/C cancellation Charge           Fully unutilized: NPR 1,000 flat
Partially unutilized: NPR 500 flat (if partial shipment allowed) plus communication charges
Document Handling Charges (Import –LCs  / Non LCs) Rs. 1000/- for each set of documents plus communication charges.
Documents against payment (DAP) 0.25% - 0.375% per quarter or min Rs.1000/- per quarter plus communication charges.
Documents against Acceptance(DAA) a) 0.50% - 0.75% per quarter or min Rs.1000/- per quarter at the time of acceptance booking plus communication charges as applicable.
b)  Rs. 500/- flat at the time of payment.
Discrepancy Fees(Docs under import L/CS)
a)   Convertible FCY L/Cs
 
 
b)   INR L/Cs
 
 
c)   Rs. L/C (Domestic)		 a) USD 50 or equivalent per set of Docs plus communication charges USD 10 per set of documents
 b)  INR 2,000 or equivalent per set of Docs plus 
       communication charges INR 500 per set of 
       documents.
c)  Rs. 3,000 per set of Documents.
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 applicable.
BCI Report obtainment charge As claimed by the BCI report provider plus communication charges.
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
 
Rs.2,000/- Amendment plus communication charges .
Advising Export Letter of Credit or subsequent 
amendment for L/Cs to be negotiated (both local  
and foreign) with us.          		 Rs.1000/- Advising / Amendment plus communication charges.
 
 a) Documents Negotiation under Sight L/C
 
 
 
b) Documents Negotiation  under Usance L/C
             		 a) 0.6% at Doc value up to 21 days. Interest @ 18% p.a after 21 days till the date of realization plus communication / courier charges.
 
b) 0.6% at Doc on Flat Basis. Interest @ 18% p.a. with effect from next working day after the date of maturity of document till the date of realization plus communication / courier charges.
L/C Transferring Charge Rs.1500/- flat plus communication charges.
Processing  documents             under collection under Export LC 0.10% of document value or minimum Rs 1,000/- plus communication charges.
Documents under collection without L/C including CAD 0.25% per quarter or minimum Rs. 1000/- per quarter plus courier communication charges.
  Confirmation Charge (Export LC) subjected to prior arrangement. 0.25% per quarter of LC value or minimum Rs.1000 per quarter plus courier charges/communication charges.
Document Handling Charge ( Export LCs/Non LCs) Rs 1000/- for each set of documents plus communication charges.
Q. Guarantees
 
Bid Bond         a) 100% Cash margin: Free 
 
b) Others: 0.3125% per quarter or minimum Rs. 750/- per quarter, whichever is higher
Performance Bond a) 100% Cash margin: Free 
 
b) Others: 0.375% per quarter or minimum Rs. 750/- per quarter, whichever is higher
Advance Payment Guarantee a) 100% Cash margin: Free 
 
b) Others: 0.4375% per quarter or minimum Rs. 1,000/- per quarter, whichever is higher
Supplier Credit             Guarantee a) 100% Cash margin: Free 
 
b) Others: 0.4375% per quarter or minimum Rs. 1000 per quarter, whichever is higher.
Guarantee issued by us against the guarantee issued by other bank. (FCY/NPR) 0.375% or minimum Rs 1000/- per quarter plus commission / charge of other bank plus out pocket expenses
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
 
Guarantee cancellation            charge (Before expiry) Free.
 
Claim Handling Charge NPR 1,000/- per claim
 
R. Swift Charges
 
Simple payment message(Nepal) Rs.500/- per message
Simple payment messages (India) Rs.750/-per message
Other messages (India) Rs.750/-per message
 L/C, GTEE messages (India) Corporate Clients: Rs.1,000/-per message
Non-Corporate Clients: Rs.1,500/-per message
Simple Payment  messages (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 advising Reimbursement 
authorization		 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
S. Courier
Nepal Rs.   100/- (for each packet up to 500 gms.)
India Rs.   350/- (for each packet up to 500 gms.)
Other Countries Actual Cost basis as per arrangement with Courier service or Minimum Rs.1,000 per set of documents whichever is higher.( for each packet up to 500 gms.)
T. Postage
Nepal Rs.   50/- per set of documents
India Rs. 100/- per set of documents
Other Countries Rs. 500/- per set of documents
U. Loan Related Charges Fees and Charges
Internal credit enquiries Reciprocal basis. Rs. 500/- per enquiry for banks without reciprocal arrangement.
CICL charge
 		 As specified by CICL from time to time.
Letter issue for Share pledge (Margin Lending)
 		 Rs. 100 per letter.
Pledged share release charge (Margin Lending)
 		 Rs. 100 per letter.
Commitment Fee (Term Finance)                   
 		 2% p.a. of undrawn limit.
Commitment Fee (Working Capital Finance) 2% p.a. if utilization is below 70%.
Prepayment Charge a) Term loan: 2% on flat for amount settled before the committed Tenure.
b) OD and revolving nature loan: 1% on flat basis, if entire loan limit is settled before six months of initial disbursement.
Loan Administration fee             At least 1% of loan limit.
  V. Penal Interest                                                                                                                                      
 Principal Penal   Ranging from 1% p.a. to 3% p.a. based on overdue tenure on overdue amount.
Interest rate on Interest (Compound Interest rate) Ranging from 1% to 3% p.a. based on overdue tenure on overdue interest / outstanding principal amount.
  W. Share Transactions Fees
Share Transfer Charge (Our  bank) Rs. 5 per transaction
Share pledge confirmation charge(Our bank) Rs. 100 per pledge confirmation
Share split charge (Our bank) Rs. 50 per split
Share certification charge Rs. 200 per certificate
Duplicate Share Certificate issuance Rs. 500 per certificate
           
 
Note: Above mentioned tariffs of charges are subject to change from time to time. 
 

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