Please click on the headings below for the particular service charge schedule.

For any queries or concerns, please contact us through any of our bank branches or fill up our feedback form through this website itself.

Basic Banking Services

  • ATM Card
  • Credit Card
  • USD Prepaid Travel Card
  • SMS (Mobile) Banking
  • Internet Banking (iBank) Services
  • Email Alerts
  • Mobile Money
  • Mobile Khata

Please visit the downloads section or click here for detailed information.

  • HBL/BOK Fund Transfer Services
  • Share Registrar Services
  • Courier Recovery
  • Postage Recovery
  • Market Maker
  • Home Banking Service
  • Safe Deposit Locker
  • Trade Operations
  • Loan Administration
Description Charges
Stop payment of chequeNil
Cheque book destruction fee NPR 450.00
Account Closure Within Six monthsNil
ABBS Charge above NPR 200K
Deposited into account other than domicile branch.
Nil
ABBS Charge above NPR 200K
Withdrawal from account other than domicile branch.
Nil
Standing Instruction at customer requestNPR 450.00 per instruction
Failure to execute Standing Instruction (placed at customer request) due to insufficient balance.NPR 250.00 per SI failure
Lien marked in favor of third party(when requested by customer)NPR 600.00
Issuance of Balance CertificateNil
Certification of Account Operation to MEX clientsNPR 450.00 per certificate
Statement Fee beyond 1 YearPlease Refer to "Request for Account Statement"
Request to issue Customer Advice
After 1year
After 2 Years
NPR 500.00 per advice
NPR 1000.00 per advice
Cash withdrawal against Cash withdrawal slip.Nil
Cheque Certified “Good For Payment”Nil
Cancellation of Cheque certified “Good For Payment”NPR 600.00
Issuance of Advance Payment CertificateNPR 500.00
NPR 500.00 duplicate
Issuance of NRB cheque at the request of customerNPR 500.00
Cancellation of NRB cheque issued (at the request of customer)NPR 250.00
Duplicate issuance of FD receiptNPR 250.00 per receipt
Issuance of Draft 0.1% or minimum NPR 350.00 for all currency drafts
  • Additional USD 5.00 (other bank charge) for USD DD issued through SCB
  • Additional NPR 350 as communication charge for DD amounting INR 100K and above.
  • NPR 320 (INR 200.00) for DD Servicecharge for ICICI Bank's DD only ).
Cancellation of DraftNPR 500.00 Plus other bank’s charge (if any) and SWIFT Charge of NPR 1,000.00.
Issuance of Managers Cheque at customer’s request0.1% or minimum NPR 500.00
upto a maximum of NPR 1000.00
Cancellation of Manager's ChequeNPR 500.00
Outward Wire Transfer, other than India (BEN)0.1% or minimum NPR 500.00 and SWIFT charge of NPR 1,000.00
Outward Wire Transfer - India (BEN)0.1% or minimum NPR 500.00 plus SWIFT charge NPR 1,000.00 plus Other bank ‘s charges ( Actual basis) in case of other bank’s charges “OUR”
Wire transfer - India through National Electronic Fund Transfer (NEFT)0.1% or minimum NPR 500.00 and SWIFT charge NPR 1,000.00 plus NPR 500.00 flat (NEFT Charge)
Outward Wire Transfer (OUR)Sent in GBP – GBP 15.00
Sent in EURO – EUR 20.00
Sent in JPY – JPY 5,000.00
Sent in USD – USD 15.00
Wire Transfer (Swift) locally through NRBUpto NPR 5 mio : NPR 500.00 plus SWIFT charge NPR 1000/-
Above NPR 5 mio : NPR 1000.00 plus SWIFT charge NPR 1000/-
Refund of inward wire transfer - FCY
Refund of inward wire transfer – INR
USD 25.00 plus NPR 1000.00 SWIFT charge.
INR 500.00 plus NPR 1000.00 SWIFT charge.
Other Bank Charges (Inward remittance received in USD)USD 5.00
Cheque sent on collection ( INR)
Cheque sent on collection ( FCY)
- 0.1% on face value or minimum NPR 500.00 plus postage charge.
- 0.1% on face value minimum USD 10/- or equivalent plus postage charge
Cheque sent on collection returned unpaidNPR 500.00 plus postage
Cheque returned over the counter / Inward ECC due to insufficient fund. NPR 500.00
ECC Outward presentment fee
LCY Cheques
  • Nil – up to the cheque value NPR 200K
  • NPR 15.00 per cheque above NPR 200K
  • (Actual as per prevailing NCHL charges)
Note: ECC / transfer fee for transactions initiated by Government Institutions i.e., ko.lo.ni.ka, village Developments etc. is Nil
ECC Outward presentment fee
FCY Cheques
  • NPR 15.00 per cheque (any amount)
  • (Actual as per prevailing NCHL charges)
Note: ECC / transfer fee for transactions initiated by Government Institutions i.e., ko.lo.ni.ka, village Developments etc. is Nil
ECC charges - Outward Cheques presented through high-value/express clearing session NPR 100.00 per cheque (Actual as per prevailing NCHL charges)
NCHL IPS Charges LCY / FCY
(Including Inter Bank Deposit )
  • Up to NPR 500 – NPR 2.00
  • Above NPR 500 to NPR 50K – NPR 5.00
  • Above 50K – NPR 10.00
(As per prevailing NCHL charges)
Note:Nil charges for Dividend refund payment for transactions amount up to NPR 100.00
NCHL Connect IPS Charges
(Including Inter Bank Deposit )
  • Up to NPR 500 – NPR 2.00
  • Above NPR 500 to NPR 5K – NPR 5.00
  • Above 5K to NPR 50K
  • Above 50K – NPR 10.00
(As per prevailing NCHL charges)
Note:Nil charges for Dividend refund payment for transactions amount up to NPR 100.00
Blacklisting /Delisting (Loan default/Cheque Bounce )
  • NPR 2,000.00/Listing & De-listing of the borrower with loan facility/ Cheque bounce amount below 10 million.
  • NPR 3,000.00/Listing & De-listing of the borrower with loan facility/Cheque bounce amount equal/above 10 million
(Actual as per prevailing CIB charges)
Request for Account Statement
  • Nil
  • NPR 50.00 for each month, if customer repeats same statement more than one time.
Request for cheque book of account maintained at other branch.NPR 50.00
Cheque book request without original requisition slip NPR 50.00
INR Cash Management fee NPR 100.00 per transaction
Real Time Gross Settlement (RTGS) Morning Exchange (10:30 AM - 1:30 PM)- NPR 10.00
Afternoon Exchange (1:31 PM - 3:00 PM)- NPR 20.00
Cash withdrawal against Counter Cheque NPR 250.00
C-ASBA Application Charge NPR 25.00 per application

Description Charges
VISA Card one-time Fee (during issuance)
Same applies for replacement of lost / damaged card/Renewal
Upfront - NPR 1,200/4 years or
Installment - NPR 350 p.a
Destruction of uncollected cardNPR 350
Regeneration of PINNPR 150
Destruction of Uncollected Re-pinNPR 100
Cash withdrawal in Visa Network in India NPR 250.00 plus other bank’s charges
Cash withdrawal in Visa Network in NepalNPR 50
Balance enquiry in VISA network in India/NepalNPR 50
Linking new account to Debit CardNPR 100.00
E-Commerce enrollment feeNPR 100.00
E-Commerce Annual FeeNPR 100.00
Card un-block feeNPR 350
Card less Cash (Express Money)/ RemitNil
ATM Access Fee
Them on Us (Foreign Cards at LxBL ATM) Visa/MasterCard
NPR 500
Green Pin (Debit Card)Nil
Description Charges
Joining fee (One-time)NPR 500 per card (one time)
Annual FeeNPR 1000 per card
Supplementary card feeNPR 1000 per card per year
Card Reissuance / Replacement feeNPR 1000 per card
Temporary limit enhancement feeNPR 500 per card
Permanent limit enhancement feeNPR 750 per card
E-Commerce 3D Secure RegistrationNPR 100
E-Commerce 3D Secure Annual Fee ( 3D Secure Service)NPR 100
E-Commerce 3D Secure Transaction Fee ( 3D Secure Service)0.5% per transaction Or Min NPR 50/-
Negative listing feeNPR 300 per card
Cash advance fee with our Card (On Us transaction)NPR 100+2% of withdrawn amount
Cash advance fee with other bank’s Card (Them on Us transaction)NPR 150 + 2% of withdrawn amount
Interest2.25 % per month
Late payment feeNPR 300 or 0.2 % per month whichever is higher
Over Limit feeNPR 500 per month
PIN Re-generation FeeNPR 150
Description Charges
Issuance of USD Prepaid Travel Card against Nepali RupeeNPR 750.00
Issuance of USD Prepaid Travel Card against FCY accountUSD 5.00
USD Card replacement/Renewal FeeNPR 750.00
Reload/Top Up FeeNPR 250.00
Transaction Fee
Cash Withdrawal-(Some banks may charge ATM Access Fees differently for VISA cards used on their ATM)USD 4 plus other bank’s charges
Balance InquiryUSD 1.00
Re-PIN generationNPR 250.00

Description Charges
Subscription of Internet Banking(iBank)NPR 1000.00 per annum for legal person
NPR 250.00 per annum for natural person

Description Charges
Email Alerts joining fee
  • NPR 250.00 per annum for non individual
  • NPR 100.00 per annum for individual
  • Annual fee of NPR 100.00 per annum for subsequent year for both individual and non individual
  • Nil for USD Travel Card.

Description Charges
Mobile Money subscription feeIndividuals - NPR 250.00 per annum
Corporate - NPR 1,200.00 per annum or
NPR 100.00 per month
Annual renewal feeNPR 250.00
Subscription modification fee(Change in mobile number/mobile set)NPR 100.00
Transfer of funds in other banks accounts
( Fund transfer between Laxmi Bank - NIL)
For NPR 100 to 1000 –NPR 10.00
For NPR 1001 to 10,000 – NPR 20.00
For NPR 10001 to 20,000 –NPR 30.00
For NPR 20001 to 25000- NPR 40.00
Fund transfer within Laxmi Bank accountsNil
Pay bills
  • Mobile phone
  • Landline
  • ADSL internet
  • Credit Card
  • QR Merchant
Nil

Description Charges
Europe and USANPR 3,000.00
Other CountriesNPR 2,500.00
IndiaNPR 600.00
NepalNPR 250.00

Description Charges
Management of Government Bonds (subject to change in line with revisions by Central Bank)
  • Upto NPR 100K - 0.5%
  • Above NPR 100K to NPR 500K - 0.4%
  • Above NPR 500K to NPR 1 mio - 0.3%
  • Above NPR 1 mio to NPR 5 mio - 0.2%
  • Above NPR 5 mio - 0.1%

Locker Type Locker Size
(H”XW”XD”)
Deposit Annual Rent
S.D.L. Type 1A – AA4.92X6.89X19.37NPR 10,000NPR 2,500
S.D.L. Type 2B – BB6.26X8.27X19.37NPR 10,000NPR 3,000
S.D.L. Type L2/10-4D1L215.16X20.87X19.37NPR 10,000NPR 7,500
S.D.L. Type 2 - BB6.26X8.27X19.37NPR 10,000NPR 3,000
S.D.L. Type 2 – 2BE6.26X16.69X19.37NPR 10,000NPR 4,000
S.D.L. Type 2 – 4BH12.63X16.69X19.37NPR 10,000NPR 6,500
S.D.L. Type 2 – 2B1H112.64X8.27X19.37NPR 10,000NPR 5,500
S.D.L. Type 1F/21 – 4AF10.94X13.86X19.37NPR 10,000NPR 5,500
S.D.L. Type 3D/40 - DD7.44X10.35X19.37NPR 10,000NPR 4,500
Locker Surrender FeeNPR 1,500
Duplicate locker keyAs per actual.

Description Charges
Letter of Credit –Import
Issuance of Letter of Credit (Irrevocable/revocable/back to back/transferable)0.15% per quarter or part credit thereof, min NPR 3,000/- (for industries)
0.25% per quarter or part credit thereof, min NPR 3000/- (for trading companies)
Revolving -in the terms of value0.25% per quarter or part credit thereof, min NPR 3,000.00 drawing up to face value will be free of charges, thereafter 0.15% will be levied on each reinstatement of value/validity.
Revolving- in terms of validity
Cancellations of L/CNPR 2,000.00
Communication(L/C Issuance)NPR 2,500.00
Amendment
For time extension of extension of expiry and / or increase in value0.15% per quarter or part thereof, Min NPR 3,000.00.
Time extension within the same quarterNPR 2,000.00
Amendment other than time extension and increase in value.NPR 2,000.00
BCI report sharing chargeMinimum NPR 1,000.00
Bills – Import
Import Bill under L/C (Up to 15 days)15% p.a. (365 days basis)
Import Bill PaymentNPR 2,000.00
Direct Reimbursement15% p.a. (365 days basis) if booked under import bill or as agreed with the customer for import loan facility.
Collection Bill received ( Import bills without L/C)0.15% on bill value or minimum NPR 2500.00
Acceptance (usance L/C ) Commission0.1% per month or minimum NPR 1500.00
Communication ChargeNPR 1,500.00
Discrepancy Fee
  • USD 75.00 for L/C issued in USD
  • EUR 75.00 for L/C issued in EUR
  • GBP 75.00 for L/C issued in GBP
  • JPY 7,000.00 for L/C issued in JPY
  • INR 3,000.00 for L/C issued in INR
  • NPR 3,000.00 for L/C issued in NPR
  • Equivalent USD 50.00 for L/C for all other currency
Letter of Credit – Export
  • Advising L/C
  • Advising L/C amendment
  • NPR 3,000.00
  • NPR 2,500.00
Note: The fee may be refunded to customer if bill is negotiated or sent on collection basis through us.
Confirmation Adding (Subject to prior arrangement)As agreed with the customer.
Transfer of Credit
For a simple transfer of whole documentary creditNRP 3,500.00
For Partial transfer0.125% of transferred value or minimum NPR 2,000.00
Bills - Export
Collection Bill sent0.125% on bill value of minimum NPR 2,500.00
  • Export Bill Purchased – Sight ( covering 15 days) Clean
  • Discrepant
  • 0.5% on bill value or minimum NPR 2500.00
  • 0.75% on bill value or minimum NPR 3500.00
  • Export Bill –Usance Clean
  • Discrepant
  • 0.5%. Beyond 15 days 15% p.a.
  • 0.75%. Beyond 15 days 16% p.a
Cash Against Document (CAD) – NRB circular no Ipra. Paripatra No.259As agreed with the customer
Communication fee ( follow-up)NPR 2,000.00
Letter of Guarantee
Issuance Fee Bid Bond0.375% per quarter & part thereof or minimum NPR 2,500.00
Issuance Fee – Performance bond0.4% per quarter & part thereof or minimum NPR 2,500.00
Financial and Advance Payment Guarantee0.70% per quarter & part thereof or minimum NPR 2,500.00
Amendment
Increase in value & Time extension
Same as issuance charge
Other amendment i.e. extension within same quarter or clauses of guarantee text.NPR 2,500.00
Issuance of counter guarantee to other bankOur charge plus correspondent bank’s charge and SWIFT charge of NPR 2,500.00.
Amendment of Counter Guarantee within the quarter for extension, guarantee text/clause change
  • USD 150.00 for GTEE in USD
  • EUR 100.00 for GTEE in EUR
  • GBP 100.00 for GTEE in GBP
  • INR 3000.00 for GTEE in INR

Description Charges
Credit Check FeeNPR 550.00 with customer’s details
NPR 250.00 without details to be obtained upfront and refund access amount to ac if any.
(Actual as per CIB charges)
Issuance of Letter of Credit LineUp to NPR 50M – NPR 250.00
More than NPR 50M to NPR 100M –NPR 500.00
More than NPR 100M – NPR 1,000.00
Issuance of Letter of Credit LineUp to NPR 50M – NPR 250.00
More than NPR 50M to NPR 100M –NPR 500.00
More than NPR 100M – NPR 1,000.00
Loan Against FD/NSB0.25%
Commitment Fee0.5% p.q on unutilized revolving limit.
(If average of annual loan outstanding is less than 60% of limit sanctioned, then commitment fees shall be charged at the time of renewal) or as per approved terms.
Swap fee2% on SWAP amount
  • Charge on partial release of securities
  • Zonal registration transfer/request for new blue book
  • Credit information request letter issuance for other bank
NPR 1000
Prepayment charges for consumption loans with original limit exceeding NPR 5.0 million.
  • 1% of the amount being prepaid if prepaid prior to 12 months from the date of disbursement.
  • 2% of the amount being prepaid if prepaid prior to 6 months from the date of disbursement.
Loan overdue follow up feeNPR 500.00 per installment

Applicable Loan Related Charges
DescriptionCorporate / Infrastructure & Projects / Business DevelopmentMid-marketRFS
Loan Administration Fee Working Capital Loans
  • Overdraft: 0.25%
  • Demand Loan: 0.25%

Trade Finance
  • Trust Receipt /Import Loan 0.25%
  • Demand Loan against Local LC: 0.25%
  • Export Loan: 0.25%
  • Domestic bills LCY: 0.25%
  • Export Bill: 0.25%

Terms Loans
  • Term Loan: 0.50%
Working Capital Loans
  • Overdraft: 0.50%
  • Demand Loan: 0.50%

Trade Finance
  • Trust Receipt /Import Loan 0.50%
  • Demand Loan against Local LC: 0.50%
  • Export Loan: 0.75%
  • Domestic bills LCY: 0.75%
  • Export Bill: 0.75%

Terms Loans
  • Term Loan: 0.50%
Sana Byawasai Karja
  • Working Capital Loans: 0.75%
  • Term Loans: 0.75%
  • One Off Enhancement (Funded): 0.75%
  • Supply Finance: 0.75%
  • Trust Receipt Loan: 0.75%
  • Demand loan against local LC: 0.75%

Trade Finance
  • Export Loan: 0.75%
  • Domestic bills LCY: 0.75%
  • Export Bill: 0.75%

Terms Loans
  • Commercial Vehicle Loans: 0.75%
  • Laghu Udhyami Karja: 0.75%

Consumption Loans
  • Auto Loan: 0.75%
  • Home Loan: 0.75%
  • Home Equity: Loan: 0.75%
  • Personal Loan: 0.75%
  • 2 Wheeler Loan: 0.75%
  • Educational Loan: 0.75%
  • Loan Against Gold: 0.75%
  • Lifestyle Loans: 0.25%

Deprived Sector &Micro Loans
  • Wholesale Loan: 0.25%
  • Low Cost Housing: 0.25%
  • Live Stock Loan: 0.75%
  • Tractor/eRickshaw Loan: 0.75%
  • Other MSME Loan: 0.75%
  • Laghu Karja: 0.75%
  • Krishi Karja: 0.75%

Other Loans
  • Loan Against Shares: 0.75%
  • Loan Against FD/NSB: 0.25%
  • Life Insurance Linked Loan: 0.25%

Loan Renewal FeeNPR 25K - 0.15% of Loan Amount 0.15% of Loan Amount
Prepayment / Swap Fee (Applicable for loan amount exceeding NPR 5,000K only) 0.15% of the loan amount being prepaid
Commitment Fee 0.15% per annum on unutilized revolving limit
(If average annual loan outstanding is less than 60% of approved limit, commitment fee shall be recovered for the deficit % i.e. if utilization is 50% commitment fee shall be charged on 10%)

Description Charges
Documents retrieved within 1 yearNPR 500.00
Documents retrieved after 1 yearNPR 1,000.00

Terms and Conditions

  • By using or subscribing services the customer also allows the bank to debit applicable charges and
    commission from the customer’s account.
  • Charges/commissions are subject to change upon bank’s discretion and may not be notified to customers
    in all cases.
  • Waivers or discounts on the commission/ charges if applicable will be agreed between the bank and the
    customer before using the service.
  • The charges/commission depending on the pricing structure may be one time or recurring.
  • If charges/commissions are missed for whatsoever reason, the customer allows the bank to process the
    charges in bulk.
  • For cancellation, the customer has to follow the process as ratified by the bank. Irrespective of whether
    the service is used or not as long as the customer still holds a subscription the bank may charge the
    customer.
  • If you have any doubts or confusion regarding the charges, customers are requested to contact our
    nearest branch.
  • On charge related to service from third party shall be amended as advised by respective party.