Friday March 13, 2026
वि.सं २०८२ फागुन २९ शुक्रबार
European Microfinance Award
Np

Standard Tariff & Charges

Statement of Charges – Operations


I. Customer Services

S.N. Description of Services Amount Remarks
1. Issuance of Balance Certificate NPR 500/- per certificate Waved for BFI’s & Companies
2. Standing Instruction NPR 250/- per instruction Waived for Corporate Call/Current Account
3. Stop Payment of Cheques NPR 100/- per instance –
4. Single leaf of Cheque Print NPR 50/- per leaf –
4. Cheque Book issuance against lost Cheque and Payment Slip* NPR 250/-  and NPR 100/- respectively Including cancellation of lost cheques. Payment Slip charges are for Small and Micro Banking Depositos)
5. Issuance of “Good for Payment” Cheque NPR 500/- per cheque Upto 1 Million
NPR 1000/- Above 1 Million
6. Cancellation of “Good for Payment” Cheque NPR 250/- –
7. Cheques and Payment Slip returned for insufficient balance NPR 100/-for each presentation In case the balance in account is less than NPR 100/- entire amount shall be deducted.
8. Cheques and Payment Slip Disposal Charges NPR 250/- In case the cheques or payment slip is not collected within 6 months of its request
9. Issue of Duplicate Statement/Pass book NPR 50/- per statement –
10. Duplicate Customer Dr./Cr. Advice NPR 50/- (Not applicable for  illiterate and visually impaired customer)
11. Withdrawal Slip NPR 50/- per slip –
  12. Record Retrieval Charges NPR 500/- In other cases.
NPR 750/- In case of records older than 6 months.
13. In case of closure of account within 6 Month of opening NPR 500/- and NPR 1000/- For Natural and Artificial Person Respectively.
14. Cross Branch Cheque Issuance NPR 50/- –
15. Fixed Deposit Pre-mature For Fixed Deposits whose tenure have not elapsed 3 Months. – No interest shall be provided. – All the posted interest shall be recovered and all accrued shall be cancelled. – The maximum payment shall be the principle amount. – The TDS already deposited shall be ignored.   Fixed Deposits other than above. – Premature charge of 2% p.a. on principal shall be charged for remaining period by 3 months whichever is higher. – All the accrued interest till date shall be posted after deducting the TDS. – However in this case the premature charge shall be limited to interest paid or to be paid till date after deduction of TDS.
*Payment Slip Charges are for Small and Micro Banking Depositors.

 

ll. Any Branch Banking Services (ABBS)

S.N. Description of Services Amount Remarks
1. Self-Deposited (Any Limit) Free/- –
2. Upto 3 Lakhs (Deposited by Others) Free/- –
3. Above 3 Lakhs (Deposited by Others) 0.05 % or Minimum 200 –

III. Cheque Processing

S.N. Description of Services Amount Remarks
A. ECC
1. Normal Clearing secession Up to NPR 200,000/-  Free/- –
2. Above NPR 200,000/- NPR 30/- Actual cost charge by NCHL
3. Late Present Charge of Cheques NPR 300/- –
4. Express Present Charge NPR 200/- –
B. Inter Banking Payment Services (IPS)
1. Inwards Per Transactions NPR 40/- Waived for Governmental, Salary and Institutional Account
2. Outwards Pre Transactions less then NPR 5000/- NPR 50/- per presentation –
3. Outwards Pre Transactions more than NPR 5000/- NPR 100/- per presentation –
4. Dividend Inward NPR 5/- per transaction –
5. Dividend Outward NPR 5/- per transaction –

IV. Digital Banking Services

S.N. Description of Services Amount Remarks
A. VISA Card Related
1. Charges for issuance of VISA ATM cards NPR 250/- –
2. Annual ATM Charges NPR 250/- NPR 1,000/- in case the customer wishes to pay the charges for 5 year upfront.
3. Re -Issue after Expiry of VISA ATM cards NPR 250/-  –
4. ATM Card re-print due to loss of VISA ATM cards NPR 250/-  –
5. Pin Regeneration of VISA ATM cards NPR 100/-  –
6. Card Blocked/ Unblocked of VISA ATM cards NPR 100/-  –
7. ATM Card not received with in 6 month (Disposal Charge) NPR 250/-  –
8. Supplementary Card NPR 250/-  –
9. Card Blocked charge at the time of A/C closed NPR 100/-  –
10. Charges for International VISA ATM Cards $ 10 or equivalent Neplease Rupees  –
B. Mobile Banking
1. First time subscription NPR 200/-  –
2. Annual Renewal NPR 200 /-  –
3. Mobile Banking Password Reset NPR 50/-  –
C. E- Banking
1. First time subscription NPR 200/-  –
2. Annual Renewal NPR 200 /-  –
3. Internet Banking Password Reset NPR 50/-  –

V. Transaction Fees

S.N. Description of Services Amount Remarks
1. ATM Cash withdrawal from MNBBL ATMs Free  –
2. ATM Cash withdrawal from the ATM other than that of MNBBL Free  –
3. ATM Cash withdrawal in India NPR 250/- per transaction  –
4. Balance inquiry at MNBBL ATMs Free  –
5. Balance inquiry from the ATM other than that of MNBBL  NPR 20/- per enquiry  –
6. Balance inquiry in India  NPR 50/- per enquiry  –
7. Mini Statement Request from the ATM other than that of MNBBL NPR 20/- per request –

VI. Locker Charges

S.N. Description of Services Amount Remarks
 1. Annual Fees NPR 2,500/-     –
 2. Security Deposit NPR 10,000/-     –
3. Breaking of Lockers (in case the key is lost) NPR 1500 + Actual Charges for the breakage     –

VII. Remittances

S.N. Description of Services Amount Remarks
1. Upto 15,000  NPR 100/-  –
2. 15,001-40,000  NPR 150/-  –
3. 40,001-100,000  NPR 200/-  –
4. 100,001-200,000  NPR 300/-  –
5. 200,001-300,000  NPR 450/-  –
6. 300,001-400,000  NPR 600/-  –
7. 400,001-500,000  NPR 750/-  –
8. 500,001-600,000  NPR 900/-  –
9. 600,001-700,000  NPR 1,050/-  –
10. 700,001-800,000  NPR 1,200/-  –
11. 800,001-900,000  NPR 1,350/-  –
12. 900,001-1,000,000  NPR 1,500/-  –

VIII. Remittances

S.N. Description of Services Amount Remarks
1. Upto 15,000  NPR 100/-  –
2. 15,001-40,000  NPR 150/-  –
3. 40,001-100,000  NPR 200/-  –
4. 100,001-200,000  NPR 300/-  –
5. 200,001-300,000  NPR 450/-  –
6. 300,001-400,000  NPR 600/-  –
7. 400,001-500,000  NPR 750/-  –
8. 500,001-600,000  NPR 900/-  –
9. 600,001-700,000  NPR 1,050/-  –
10. 700,001-800,000  NPR 1,200/-  –
11. 800,001-900,000  NPR 1,350/-  –
12. 900,001-1,000,000  NPR 1,500/-  –
Other Remit
1. As per the charges of remittance company.

XI. Others

S.N. Description of Services Amount Remarks
1. CC TV Footage Retrieval (Below 1 Week) Free –
2. CC TV Footage Retrieval (Above 1 Week) NPR 100/- –
3. No Objection Letter/ Letter for Permit NPR 250/-  –
4. No due Certificate (for borrower) NPR 250/-  –
5. CIC Charges As per CIB  (NPR 250/- for No Hit Report and NPR 550/- for Hit-Report )
6. C-ASBA/ASBA Charges NPR 10/-  –

Statement of Charges – Credit Facilities

Interest Rate

I.Administrative (Modern Banking/ Small & Micro Banking

  S.N   Description of services Maximum Administrative Charges (%)   Single Limit
A. Modern Banking    
1. Business Loan (New) 1.25% Up to NPR 2 Crores
2. Business Loan (New) 1%/ 0.75% Above NPR 2 Crores
3. Real Estate Loan/Personal loan (Overdraft or Term ) (New) 1.50% Up to NPR 5 Crores
4. Real Estate Loan/Personal loan (Overdraft or Term ) (New) 1% Above NPR 5 Crores
5. Loan Against Share (New) 1% Up to NPR 3 Crores
6. Loan Against Share (New) 0.75% Above NPR 3 Crores
7. Agriculture Loan (New) 1% –
8. Housing Loan (New/Enhancement) 1% –
9. Hire Purchase (New Vehicle/Enhancement) 1% –
10. Hire Purchase (Old Vehicle) 1.25% –
11. Other Loan 1.50% –
12. Gold and Silver Loan Not Applicable (refer sub section 2.12) –
13. Loan Against Fixed Deposit, Loan Against Government/NRB Saving Bond etc. N/A –
14. Consortium Loan As per the consortium decision and as approved by concerned credit approving authority. –
15. Professional Loan  1.5% –
16. All loans (new/ renewal/ enhancement/ additional) 0.75% Group/single Limit * Above NPR 8 Crores
B. Small & Micro Banking    
1. General Loan 2% –
2. Goodwill Member Loan 2% –
3. Energy Loan 2% –
4. Emergency Loan 2%  
5. Improving Agriculture Loan 0.5% –
6. Foreign Employment Loan 2% –
7. Micro Enterprise Loan 2% –
8. Housing Loan 2% –
9. Small Enterprise Loan 2% –
10. Small Housing Loan 2% –

 II. Renewal Charges (Modern Banking)

Loan Type Maximum Administrative Charge on Renewal Loan Amount
All loans 0.75%
Gold and Silver Loan Not Applicable*
Loan Against Fixed Deposit, Loan Against Government/NRB Saving Bond etc.   Not Applicable
Consortium Loan As per the consortium decision and as approved by concerned credit approving authority.

*conditions apply.

III.    Commission on Non Funded Facilities

Type of Non-Funded Facilities Commission Rate Per Quarter on Guarantee Amount
Bid Bond Guarantee 0.25% or NPR. 1,000.00 whichever is higher.
Performance    Guarantee/Supply Guarantee 0.35% or Rs.1,000.00 whichever is higher.
Advance Payment Guarantee and Other Guarantee 0.45% or Rs.1,000.00 whichever is higher.

 IV.Other Allied Charges

Nature of Charges Amount
Loan Commitment Charge (For Modern Banking Only)

i.    For Renewal Nature Business Loan/Business Overdraft: 1% of unutilized portion of loan if average utilization falls below 70%. 
ii.    For Renewal Nature Real Estate Personal Loan/Personal Overdraft/Loan Against Share: 1% of unutilized portion of loan if average utilization falls below 70%. 
iii.    For Term Nature Loan: 2% of unutilized portion of loan.
Loan Prepayment Charge (For Modern Banking Only) 2% on prepaid principal amount.
SWAP Charge (For Modern Banking Only) 2.5% flat on loan outstanding.
Credit Information Center (CIC) Report Charge Actual & incidental cost as charged by Credit Information Center.
Inter Bank Credit Information Charge NPR 250 per request.
Penal Interest and Interest on Interest 2% (Two percent) p.a. of overdue amount.
Re-issuance of Correspondence NPR. 250 per correspondence on every issue.
Insurance Charge (Gold and Silver Loan) 1% on Gold and Silver Loan Amount.
Letter of Credit & Allied Charges As per the agreement with the concerned commercial banks.
    Non Submission Charges NPR 500 shall be charged for following instances: – – Non Submission of the Financial Statements (Above Loan Limit 50 Lakhs Only) – Non Submission of Stock Statements as per Loan Agreement.
  Other Incidental Charges All charges that are incidental to processing of loan, disbursement of loan or recovery of loan shall be charged to client at actual cost incurred for such loan.

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