Schedule of Service Charges

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

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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

1. Basic Banking Services

1.1 Account Services
S.N.	Description	Charges
1.1.1	Stop payment of cheque	Nil
1.1.2	Cheque book destruction fee	NPR 450.00
1.1.3	Account Closure Within Six months	Nil
1.1.4	ABBS Charge above NPR 200K Deposited into account other than domicile branch.	Nil
1.1.5	ABBS Charge above NPR 200K Withdrawal from account other than domicile branch.	Nil
1.1.6	Standing Instruction at customer request	NPR 450.00 per instruction
1.1.7	Failure to execute Standing Instruction (placed at customer request) due to insufficient balance.	NPR 250.00 per SI failure
1.1.8	Lien marked in favor of third party(when requested by customer)	NPR 600.00
1.1.9	Issuance of Balance Certificate	Nil
1.1.10	Certification of Account Operation to MEX clients	NPR 450.00 per certificate
1.1.11	Request for Account Statement	Nil NPR 50.00 per each month for repeat request
1.1.12	Request to issue Customer Advice After 1year After 2 Years	NPR 500.00 per advice NPR 1000.00 per advice
1.1.13	Cheque Certified “Good For Payment”	Nil
1.1.14	Cancellation of Cheque certified “Good For Payment”	NPR 600.00
1.1.15	Issuance of Advance Payment Certificate	NPR 500.00 NPR 500.00 duplicate
1.1.16	Issuance of NRB cheque at the request of customer	NPR 500.00
1.1.17	Cancellation of NRB cheque issued (at the request of customer)	NPR 250.00
1.1.18	Duplicate issuance of FD receipt	NPR 250.00 per receipt
1.1.19	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 ).
1.1.20	Cancellation of Draft	NPR 500.00 Plus other bank’s charge (if any) and SWIFT Charge of NPR 1,000.00.
1.1.21	Issuance of Managers Cheque at customer’s request	0.1% or minimum NPR 500.00 upto a maximum of NPR 1000.00
1.1.22	Cancellation of Manager's Cheque	NPR 500.00
1.1.23	Blacklisting /Delisting (Loan default/Cheque Bounce )	NPR 2,000.00 per listing & de-listing of the borrower with loan facility/ Cheque bounce amount below 10 million. NPR 3,000.00 per listing & de-listing of the borrower with loan facility/Cheque bounce amount equal/above 10 million (Actual as per prevailing CIB charges)
1.1.24	Request for cheque book of account maintained at other branch.	Nil
1.1.25	Cheque book request without original requisition slip	NPR 50.00
1.1.26	Cash withdrawal against Counter Cheque	NPR 250.00
1.1.27	C-ASBA Application Charge	NPR 25.00 per application
1.1.28	Account Confirmation Certificate (Except Balance)	NPR 500.00

1.2 Payment Services
S.N.	Description	Charges
1.2.1	Outward Wire Transfer, other than India (BEN)	0.1% or minimum NPR 500.00 and SWIFT charge of NPR 1,000.00
1.2.2	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”
1.2.3	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)
1.2.4	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
1.2.5	Wire Transfer (Swift) locally through NRB	Upto NPR 5 mio : NPR 500.00 plus SWIFT charge NPR 1000/- Above NPR 5 mio : NPR 1000.00 plus SWIFT charge NPR 1000/-
1.2.6	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.
1.2.7	Other Bank Charges (Inward remittance received in USD)	USD 5.00
1.2.8	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
1.2.9	Cheque sent on collection returned unpaid	NPR 500.00 plus postage
1.2.10	Cheque returned over the counter / Inward ECC due to insufficient fund.	NPR 500.00
1.2.11	ECC Outward presentment fee LCY Cheques	LCY Cheques Up to NPR 200K - Nil Above NPR 200K - NPR 15.00 (Actual as per prevailing NCHL charges) FCY Cheques NPR 15.00 per cheque (any FCY 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
1.2.12	ECC charges - Outward Cheques presented through high-value/express clearing session	NPR 100.00 per cheque (Actual as per prevailing NCHL charges)
1.2.13	NCHL IPS Charges LCY (Including Inter Bank Deposit ) NCHL IPS Charges FCY	Up to NPR 500 – NPR 2.00 Above NPR 500 to NPR 50K – NPR 5.00 Above 50K – NPR 10.00 NPR 10.00 (Any FCY Amount) (As per prevailing NCHL charges) Note:Nil charges for Dividend refund payment for transactions amount up to NPR 100.00
1.2.14	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 - NPR 10.00 Above 50K – NPR 15.00 (As per prevailing NCHL charges)
1.2.15	INR Cash Management fee	NPR 100.00 per transaction
1.2.16	Real Time Gross Settlement (RTGS)	Morning Session (10:30 AM - 1:30 PM)- NPR 10.00 Afternoon Session (1:31 PM - 3:00 PM)- NPR 20.00

2. Debit Card

S.N.	Description	Charges
2.1	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
2.2	Destruction of uncollected card	NPR 350
2.3	Regeneration of PIN	NPR 150
2.4	Destruction of Uncollected Re-pin	NPR 100
2.5	Cash withdrawal in Visa Network in India	NPR 250.00 plus other bank’s charges
2.6	Cash withdrawal in Visa Network in Nepal	OFF US(Other Bank ATM) - Nil for 2 transactions in a month (English calendar) - NPR 20.00 per transactions for transactions above 2 times in a month ON US(Our ATM network) - Nil
2.7	Balance enquiry in VISA network in India/Nepal	NPR 20
2.8	Linking new account to Debit Card	NPR 100.00
2.9	E-Commerce enrollment fee	NPR 100.00
2.10	E-Commerce Annual Fee	NPR 100.00
2.11	Card un-block fee	NPR 350
2.12	Card less Cash (Express Money)/ Remit	Nil
2.13	ATM Access Fee Them on Us (Foreign Cards at LxBL ATM) Visa/MasterCard	NPR 500
2.14	Green Pin (Debit Card)	Nil

3. Credit Card

S.N.	Description	Charges
3.1	Joining fee (One-time)	NPR 500 per card (one time)
3.2	Annual Fee	NPR 1000 per card
3.3	Supplementary card fee	NPR 1000 per card per year
3.4	Card Reissuance / Replacement fee	NPR 1000 per card
3.5	Temporary limit enhancement fee	NPR 500 per card
3.6	Permanent limit enhancement fee	NPR 750 per card
3.7	E-Commerce 3D Secure Registration	NPR 100
3.8	E-Commerce 3D Secure Annual Fee ( 3D Secure Service)	NPR 100
3.9	E-Commerce 3D Secure Transaction Fee ( 3D Secure Service)	0.5% per transaction Or Min NPR 50/-
3.10	Negative listing fee	NPR 300 per card
3.11	Cash advance fee with our Card (On Us transaction)	NPR 100+2% of withdrawn amount
3.12	Cash advance fee with other bank’s Card (Them on Us transaction)	NPR 150 + 2% of withdrawn amount
3.13	Interest	2.25 % per month
3.14	Late payment fee	NPR 300 or 0.2 % per month whichever is higher
3.15	Over Limit fee	NPR 500 per month
3.16	PIN Re-generation Fee	NPR 150

4. USD Prepaid Travel Card

S.N.	Description	Charges
4.1	Issuance of USD Prepaid Travel Card against Nepali Rupee	NPR 750.00
4.2	Issuance of USD Prepaid Travel Card against FCY account	USD 5.00
4.3	USD Card replacement/Renewal Fee	NPR 750.00
4.4	Reload/Top Up Fee	NPR 250.00
4.5	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 Inquiry	USD 1.00
4.6	Re-PIN generation	NPR 250.00

5. Internet Banking (iBank) Services

S.N.	Description	Charges
5.1	Subscription of Internet Banking(iBank)	NPR 1000.00 per annum for legal person NPR 250.00 per annum for natural person
5.2	Fund Transfer within Laxmi Bank accounts	Nil
5.2	Transfer of Funds in other banks accounts (Inter Bank Fund Transfer)	NPR 100 to 1,000 - NPR 10.00 NPR 1001 to 10,000 - NPR 20.00 NPR 10,001 to 20,000 - NPR 30.00 NPR 20,001 to 30,000 - NPR 40.00 NPR 30,001 to 40,000 – NPR 50.00 NPR 40,001 to 50,000 – NPR 60.00 NPR50,001 to 100,000 – NPR 75.00 NPR100,001 to 1Mio – NPR 100.00

6. Email Alerts

S.N.	Description	Charges
6.1	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.

7. Mobile Money

S.N.	Description	Charges
7.1	Mobile Money subscription fee	Individuals - NPR 250.00 per annum Corporate - NPR 1,200.00 per annum or NPR 100.00 per month
7.2	Annual renewal fee	NPR 250.00
7.3	Subscription modification fee(Change in mobile number/mobile set)	NPR 100.00
7.4	Fund transfer within Laxmi Bank accounts	Nil
7.4	Transfer of funds in other banks accounts	NPR 100 to 1,000 - NPR 10/- NPR 1001 to 10,000 - NPR 20/- NPR 10,001 to 20,000 - NPR 30/- NPR 20,001 to 30,000 - NPR 40/- NPR 30,001 to 40,000 – NPR 50/- NPR 40,001 to 50,000 – NPR 60/- NPR50,001 to 100,000 – NPR 75/-
7.5	Pay bills - Mobile phone - Landline - ADSL internet - Credit Card - QR Merchant	Nil

8. Postage Recovery

S.N.	Description	Charges
8.1	Europe and USA	NPR 3,000.00
8.2	Other Countries	NPR 2,500.00
8.3	India	NPR 600.00
8.4	Nepal	NPR 250.00

9. Market Maker

S.N.	Description	Charges
9.1	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%

10. Safe Deposit Locker

S.N.	Locker Type	Locker Size (H”XW”XD”)	Deposit	Annual Rent
10.1	S.D.L. Type 1A – AA	4.92X6.89X19.37	NPR 10,000	NPR 2,500
10.2	S.D.L. Type 2B – BB	6.26X8.27X19.37	NPR 10,000	NPR 3,000
10.3	S.D.L. Type L2/10-4D1L2	15.16X20.87X19.37	NPR 10,000	NPR 7,500
10.4	S.D.L. Type 2 - BB	6.26X8.27X19.37	NPR 10,000	NPR 3,000
10.5	S.D.L. Type 2 – 2BE	6.26X16.69X19.37	NPR 10,000	NPR 4,000
10.6	S.D.L. Type 2 – 4BH	12.63X16.69X19.37	NPR 10,000	NPR 6,500
10.7	S.D.L. Type 2 – 2B1H1	12.64X8.27X19.37	NPR 10,000	NPR 5,500
10.8	S.D.L. Type 1F/21 – 4AF	10.94X13.86X19.37	NPR 10,000	NPR 5,500
10.9	S.D.L. Type 3D/40 - DD	7.44X10.35X19.37	NPR 10,000	NPR 4,500
10.10	Locker Surrender Fee		NPR 1,500
10.11	Duplicate locker key		As per actual.

11. Trade Operations

S.N.	Description	Charges
11.1	Letter of Credit –Import
11.1.1	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)
11.1.2	Revolving -in the terms of value	0.25% 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.
11.1.3	Revolving- in terms of validity
11.1.4	Cancellations of L/C	NPR 2,000.00
11.1.5	Communication(L/C Issuance)	NPR 2,500.00
11.1.6	Amendment	0.15% per quarter or part thereof,
	For time extension of extension of expiry and / or increase in value	Min NPR 3,000
	Time extension within the same quarter	NPR 2,000.00
	Amendment other than time extension and increase in value.	NPR 2,000.00
11.1.7	BCI report sharing charge	Minimum NPR 1,000.00
11.2	Letter of Credit – Export
11.2.1	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.
11.2.2	Confirmation Adding (Subject to prior arrangement)	As agreed with the customer.
11.2.3	Transfer of Credit
	For a simple transfer of whole documentary credit	NRP 3,500.00
	For Partial transfer	0.125% of transferred value or minimum NPR 2,000.00
11.3	Bills – Import
11.3.1	Import Bill under L/C (Up to 15 days)	15% p.a. (365 days basis)
11.3.2	Import Bill Payment	NPR 2,000.00
11.3.3	Direct Reimbursement	15% p.a. (365 days basis) if booked under import bill or as agreed with the customer for import loan facility.
11.3.4	Collection Bill received ( Import bills without L/C)	0.15% on bill value or minimum NPR 2500.00
11.3.5	Acceptance (usance L/C ) Commission	0.1% per month or minimum NPR 1500.00
11.3.6	Communication Charge	NPR 1,500.00
11.3.7	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
11.4	Bills - Export
11.4.1	Collection Bill sent	0.125% on bill value of minimum NPR 2,500.00
11.4.2	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
11.4.3	Export Bill – Usance Clean Discrepant	0.5%. Beyond 15 days 15% p.a. 0.75%. Beyond 15 days 16% p.a
11.4.4	Cash Against Document (CAD) – NRB circular no Ipra. Paripatra No.259	As agreed with the customer
11.4.5	Communication fee ( follow-up)	NPR 2,000.00
11.4.6	Export Cash Incentive processing fee	0.5%
11.5	Letter of Guarantee
11.5.1	Issuance Fee Bid Bond	0.375% per quarter & part thereof or minimum NPR 2,500.00
11.5.2	Issuance Fee – Performance bond	0.4% per quarter & part thereof or minimum NPR 2,500.00
11.5.3	Financial and Advance Payment Guarantee	0.70% per quarter & part thereof or minimum NPR 2,500.00
11.5.4	Amendment Increase in value & Time extension	Same as issuance charge
11.5.5	Other amendment i.e. extension within same quarter or clauses of guarantee text.	NPR 2,500.00
11.5.6	Issuance of counter guarantee to other bank	Our charge plus correspondent bank’s charge and SWIFT charge of NPR 2,500.00.
11.5.7	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

12. Loan Administration

S.N.	Description	Charges
12.1	Credit Check Fee	NPR 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)
12.2	Issuance of Letter of Credit Line	Up to NPR 50M – NPR 250.00 More than NPR 50M to NPR 100M –NPR 500.00 More than NPR 100M – NPR 1,000.00
12.3	Loan Against FD/NSB	0.25%
12.4	Charge on partial release of securities Zonal registration transfer/request for new blue book	NPR 1000

Applicable Loan Related Charges
S.N.	Description	Corporate / Infrastructure & Projects	Business Development	Mid-market	RFS
12.5	Loan AdministrationFee	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% Supply Finance : 0.75% Sana Byawasai Karja : 1% Constructions Business Maximum : 0.50% Trade Finance Trust Receipt /Import Loan 0.50% Trust Receipt FCY- 0.10% on disbursed amount. Demand Loan against Local LC: 0.50% Export Loan: 0.50% Domestic bills LCY: 0.50% Export Bill: 0.50% Terms Loans Term Loan: 0.75%	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% Life Insurance Linked 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: 0.5% Loan Against FD/NSB: 0.25%
12.6	Loan Renewal Fee	NPR 25K - 0.15% of Loan Amount			0.15% of Loan Amount
12.7	Prepayment / Swap Fee (Applicable for loan amount exceeding NPR 5,000K only)	Loan Prepayment Fee - Prepayment within 2 Years of disbursal: 0.75% of the amount being prepaid - Prepayment after 2 Years but within 5 Years of disbursal: 0.375% of the amount being prepaid - Prepayment after 5 Years of disbursal: 0.15% of the amount being prepaid Loan Swap Fee - Swap within 2 Years of disbursal: 0.75% of the amount being swapped - Swap after 2 Years but within 5 Years of disbursal: 0.375% of the amount being swapped - Swap after 5 Years of disbursal: 0.15% of the amount being swapped For amortizing loans with Fixed Interest Rate, Prepayment/Swap Fee of 0.75% shall be applicable throughout the tenure of the loan
12.8	Commitment Fee	Revolving Limit: 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 %). Amortizing Limit: One-time fee of 0.15% of undrawn portion of the approved amortized loan

13. Central Archives

S.N.	Description	Charges
13.1	Documents retrieved within 1 year	NPR 500.00
13.2	Documents retrieved after 1 year	NPR 1,000.00

Terms and Conditions

The fees as per latest NRB Directive shall prevail all the time.
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.

Type	Interest Rate
Orange Savings Plus	4.00%	Details >
Regular Savings	2.00%	Details >
Dhanalaxmi Savings	3.00%	Details >

Type	Interest Rate
LifeStyle Loans	1	Details >
Home Loan	Base Rate + up to 6	Details >
Micro Finance Service	Base Rate + up to 6	Details >

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