Standard Tariff Charges

S.No. Product / Services Fee/Charges  
1 Account Services    
1.1 Good for Payment    
  Up to NPR 1 million NPR 500 per Cheque  
  Above NPR 1 million NPR 1,000 per Cheque  
1.2 Cancellation of Good for Payment NPR 250 per Cheque  
1.3 Issuance of Balance Certificate NPR 500 ( NPR 100 for additional copy)
( Free for Institutional clients and loan client for audit purpose)
1.4 Account Statement For duplicate statement NPR 50 upto 3 months and NPR 150 for more than 3 months ( Not applicable if NOT issued earlier for same date)
1.5 Fund transfer to lower minimum balance account or to higher interest rate account NPR 150  
1.6 Cheque Book issuance against lost cheque book (By stopping cheque NPR 350  
1.7 Uncollected Cheque Book NPR 250  
1.8 Stop Payment NPR 350 per cheque  
1.9 Withdrawal Slip (Not applicable for  illiterate and visually impaired customer) NPR 100 (At discretion of BM)  
1.10 FD breaking charge(Prior to maturity date of Fixed Deposit) Differential of highest published rate and applied interest rate of FD amount or 2 % flat penal charge whichever is higher on remaining days to maturity.
1.11 Document/record Retrival charge NPR 500  
  For document/record older than 6 months NPR 750
1.12 Standing Instruction NPR 500 per instruction  
2 Cheque Clearing Services    
2.1 Electronic Clearing(NCHL)    
  Local cheque of above NPR 200,000 NPR 30 per Cheque  
  FCY cheque equivalent to above NPR 200,000 NPR 30 per Cheque  
  Express Clearing NPR 100 per Cheque  
2.2 Special Clearing ( Manual)    
  Outward NPR 750 per Cheque  
  Inward NPR 750 per Cheque  
2.3 Cheque Collection    
  Local Cheque .10% or Minimum NPR 250 per Cheque  
  INR Cheque .10% or Minimum NPR 300 per Cheque  
  FCY cheque ( other than INR) NPR 0.20% or Minimum NPR 1250 per Cheque
In addittion to above charge postage/courier charge shall be levied as per STC
2.4 Cheque Purchase    
  FCY Cheque / TCs 0.55% flat or minimum NPR 200/-  
  Local Cheque 0.58% flat or minimum NPR 100/-  
  Cheque Return Charges 15% p.a. from date of Purchase  
  Overdue Charges 15% p.a. from 16th Day from date of Purchase
2.5 INR Cash Management -    
  INR Outwards Bills for Collection 0.25% of Bill amount or NPR 300.00 flat whichever is higher plus courier charge
  INR outward bills return charge NPR 500 flat plus courier charge  
  INR cheque/bills collection in India 0.25% on Cheque/bill amount  
  Bills return charge NPR 500.00 flat  
3 Cards & Alternate Delivery Channels    
3.1 NMB BANK VISA Debit Card    
  Issuance Fee(Primary/supplementary) NPR 1250 (The validity of card will be for 5 years so the customer can pay the fee in 5 installments i.e. 250 per year)  
  Instalment fee( to be paid every year) NPR 250  
  Replacement Card(lost/damaged) NPR 500  
  Card Block Request NPR 150  
  PIN Reissuance NPR 150  
  Transaction fee    
  ATM Cash withdrawal from NMB Bank NIL  
  ATM Cash withdrawal from HBL and its Associate partner NPR 35  
  ATM Cash withdrawal at SCT ATMs NPR 35  
  ATM Cash withdrawal at other ATMs in Nepal NPR 150  
  ATM Cash withdrawal in India NPR 250  
  Balance inquiry at NMB Bank ATMs NIL  
  Balance inquiry at HBL and its Associate partners NPR 10  
  Balance inquiry at other ATMs in Nepal NPR 50  
  Balance inquiry in India NPR 50  
  Foreign cards in NMB Bank ATMs( ATM access Fee) NPR 400  
3.2 NMB BANK VISA Credit Card    
  Joining Fee (card validity with 5 years) NPR 3500 or annual installment of NPR 700.00  
  Supplementary Card NPR 3500 or annual installment of NPR 700.00  
  Replacement Fee NPR 750  
  Renewal Fee ( at expiry) NPR 3500 or annual installment of NPR 700.00  
  PIN Reissuance NPR 150  
  Transaction Fee    
  Cash withdrawal NPR 200 or 4% which ever is higher  
  Balance inquiry NPR 50  
  Late Payment Fee NPR 300 or 2% whichever is higher  
  Overdrawn fee NPR 500  
  Limit Enchacement    
  Temporary NPR 500  
  Permanent NPR 750  
  Interest rate ( per annum)    
  I billing cycle 24%  
  II billing cycle 27%  
  III billing cycle 30%  
3.3 VISA International Prepaid Card    
  Issuance Fee USD 10  
  Replacement Card USD 10  
  Pin Reissuance USD 2  
  Cash Reload USD 5  
  Transaction Fee    
  Balance inquiry from ATM 1 USD  
  Cash withdrawal from ATMs 5 USD  
3.4 Online Payment through Card    
  Transaction Upto USD 5000 NPR 500  
  Transaction > USD 5,000 to USD 10,000 NPR 1000  
3.5 Internet Banking    
  Subscription NPR 250  
  Annual membership Fee NPR 250  
  PIN reissuance NPR 100  
3.6 Mobile Banking    
  Subscription & Renewal ( Expiry annually) NPR 200  
  PIN reissuance NPR 100  
  Amendment Charge NPR 50  
3.7 Inter Bank Fund transfer through Mobile Banking( among member banks only)    
  Transaction Upto NPR 1000 NPR 10/txn  
  Transaction 1000- 10,000 NPR 20/txn  
4 REMITTANCES    
4.1 NRB and MC Cheque Issuance NPR 250 per Cheque  
4.2 NRB and MC Cheque Cancellation NPR 250 per Cheque  
4.3 INR Draft Issuance    
  Customer 0.10% or Minimum NPR 250/- per draft  
  Non Customer 0.25% or Minimum NPR 500/- per Draft  
  Draft Issuance FCY (other than INR)    
  Customer 0.10% or Minimum NPR 250/- per draft  
  Non Customer 0.25% or Minimum NPR 500/- per Draft  
4.4 Outward Transfer ( SWIFT) -International    
  Customer .10% or minimum NPR 500 plus SWIFT charge
  Non Customer .25% or minimum NPR 500 plus SWIFT charge
  Outward transfer(SWIFT) -Local NPR 500 plus SWIFT charge
Correspondent bank's charge and other charges shall be applicable on actual basis.
4.5 Cancellation of FCY Draft/OTT NPR 500 plus SWIFT charge  
4.6 Advance Payment ( import )    
  TT .10% or Minimum NPR 500 plus SWIFT charge
  DD .10% or Minimum NPR 1,000  
4.7 Inward Remittances    
  Credit to own account NIL  
  Credit to other Bank account NPR 500  
4.8 Refund of Inward Remittance USD 10 or equivalent up to USD 5,000 and USD 30 or equivalent for above USD 5,000
4.9 Cash Management with Partner instutions NPR 100 per transaction  
4.10 Certificate of Deposit for Exporters NPR 250/- per Certificate  
5 TRADE FINANCE    
5.1 Import Letters of Credit – Issuance    
  Normal LC 0.15% per quarter or part thereof, minimum NPR 1,500/-
  Revolving LC 0.25% of the face value or min. Rs. 1,500/- for six months or part thereof. Drawing up to face value will be free of charge, thereafter 0.15% will be levied on all drawing under the credit or min. Rs.1,500/-
  LC confirmation As per actual basis.  
  Cancellation of LC( Prior to expiry) NPR 1500 plus swift charge  
5.2 Import Letters of Credit – Amendment    
  Time Extension / Value Enhancement As issuance charges  
  Other Amendments NPR 500/- plus SWIFT charge per amendment.  
  Time extensions under Revolving LC Free of Cost within 6 months, after that 0.15% per quarter or part thereof or minimum 1500.
5.3 Export Letters of Credit    
  Advising LC & amendment NPR 500/- per LC/ Amendment + NPR 1500/- authentication charge which shall be refunded if the export documents under the LC be presented at NMB Bank.
  Confirming LC As per International standard charges or minimum NPR 5000  
  LC Transfer NPR 2,000/- per transfer. In case of partial transfer 0.15 % or minimum NPR 1,500/-
5.4 Import Bills    
  Acceptance Commission 0.075% per month or minimum NPR 1500  
  Payment Commissions/document handling charges NPR 1,000/- per document  
  Discrepancy Fees (LC) NPR 1,000.00 for Local LC. USD 50/- for FCY LC, INR 2,000.00 for INR LC.
  Import Bills return NPR 5,000/- plus SWIFT charge and postage charges.
  IB Facility    
  -In case of document received TR Interest Rate  
  -In case of document not received TR Interest Rate + 3%  
  Document against Payment (DAP)    
  -Import Collection Bills - Sight 0.25% flat or minimum NPR 1500/- plus NPR 500 document handling charges and SWIFT charges.
  Document against Acceptance (DAA)    
  - Import Collection Bills - Usance 0.25% flat or minimum NPR 1500/- plus NPR 500 document handling charges and SWIFT charges.
5.5 Export Bills- Negotiation    
  Sight Bills – Clean 0.53% or minimum 2,500/-  
  Sight Bills – Discrepant 0.65% or minimum 2,500/-  
  Usance Bills – Clean 0.53% or minimum 1500/- plus interest as per the Bank's published TR Rate on usance Period after 15 days.
  Usance Bills- Discrepant 0.75% or minimum 1,500/- plus interest as per the Bank's published Rate on usance Period after 15 days.
  Overdue Export Bills Minimum Bank's published TR rate plus 3 % penalty
  Returned Documents 15% per annum ( On documents value after 15 of negotiation)
5.6 Export Bill collection with out LC ( Letter issuance to custom office) NPR 1000  
5.7 Export Bill collection (without LC)    
  Cash against Document - Sight 0.25% - Minimum NPR 1,500/- plus courier and swift charge
  Cash against Document - Usance 0.35% - Minimum NPR 1,500/- plus courier and swift charge
  Export Bills Collection under LC    
  Sight 0.25% - Minimum NPR 1,500/- plus courier and swift charge
  Usance 0.35% - Minimum NPR 1,500/  
5.8 Business Credit Information ( D&B) As per actual basis.  
5.9 Bank Guarantee – Local 0.375% per quarter or part thereof or minimum NPR 2500  
5.10 Bank Guarantee Amendment – Local    
  ·         Amendment Value & time Same as issuance  
  ·         Other Amendments NRR 500/-  
5.11 Guarantees – International    
  Upto USD 50,000 0.375% to 0.50% per quarter or part thereof or minimum USD 200 plus USD 50 communication charge
  Above USD 50,000 0.30% to 0.50% per quarter or part thereof minimum USD 200 plus USD 50 communication charge
5.12 Shipping Guarantee NPR 3,000  
5.13 Guarantees Cancellation before expiry –    
 
  International USD 50  
6 CREDIT SERVICE FEE    
6.1 Credit Enquiry As per actual charge of CIB.  
6.2 Loan Processing Fee    
  Retail/Consumer /Personal Loan 1%  
  Home Loan 1%  
  Margin Lending 1%  
  SME Business Loan 1%  
  Project/Term Loan 0.75%  
  Micro Finance(MF) Loan    
  -MF Loan- Wholesale 0.25%  
  -MF Loan- Retail 1%  
  Agriculture Business Loan 0.25%  
  Trade Finance related short term facility NIL  
  Working Capital Loan    
  -Upto Credit Facility of NPR 100 million 0.50%  
  -Above Credit Facility of NPR 100 million 0.25%  
  Loan against Fixed Deposit of NMB Bank/Gov. Securities/Counter Bank Guarantee NIL  
6.3 Commitment Fee 1%  
6.4 Prepayment Charge Up to 2% on prepaid amount.  
  Notes:    
  - Processing fee for Agriculture Business Loan under Government Subsidy NIL
- Project/Term loan processing fee will not be applicable to loan under syndication, processing fee for syndicated loan shall be as per the decision of Consortium.
- Prepayment fee shall not be applicable if the borrower prepays loan due change in interest rate or any other terms and conditions of credit facility unilaterally by the Bank.
- Commitment Fee shall be as per the credit approval terms,Unless not specified in the credit approval terms commitment fee of 1% shall be levied on unutilized limit.
7 COMMUNICATION & SWIFT CHARGES    
7.1 SWIFT Charges :    
  -          LC issuance NPR 1,500/-  
  -          LC amendment NPR 500/-  
  -          Remittance OTT & others NPR 500/-  
7.2 Courier Charges:    
  -          Local NPR 150/-  
  -          India NPR 350/-  
  -          `Other Countries NPR 1,500/-  
7.3 Postage    
  -          Local NPR 50/-  
  -          India NPR 50/-  
  -          Other Countries NPR 75/-  
8 SAFE DEPOSIT LOCKERS    
8.1 Minimum Security Deposit NPR 10,000/- Type 1-5
NPR 15,000/- Type 6-7
NPR 25,000/- Type 8-11
( Non Interest Bearing Margin Account)
 
8.2 Annual Rental Fees    
  Type Size Charge
  1 H 4.92 W 6.88 D 19.37 NPR 2,000/-
  2 H 4.9 W 13.8 D 19.3 NPR 2,300/-
  3 H 6.25 W 8.26 D 19.37 NPR 2,500/-
  4 H 4.92 W 15.43 D 19.37 NPR 3,000/-
  5 H 7.44 W 10.35 D 19.37 NPR 3,000/-
  6 H 6.25 W 16.69 D 19.37 NPR 4,000/-
  7 H 12.63 W 8.26 D 19.37 NPR 4,000/-
  8 H 10.94 W 13.85 D 19.37 NPR 5,000/-
  9 H 7.44 W 20.86 D 19.37 NPR 5,000/-
  10 H 12.63 W 16.69 D 19.37 NPR 6,000/-
  11 H 15.  
9 ASBA Fees & Charges    
  For bid amount up to NPR 50,000.00 Max NPR 100 per application  
  For bid amount above NPR 50,000.00 Max NPR 250 per application