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 cheque NPR 600.00
Cheque book destruction fee NPR 450.00
Account Closure Within Six months NPR 600.00
ABBS Charge above NPR 200K
Deposited into account other than domicile branch.
NPR 350.00
(waiver at the discretion of BM/HOP)
ABBS Charge above NPR 200K
Withdrawal from account other than domicile branch.
NPR 350.00
(waiver at the discretion of BM/HOP)
Standing Instruction at customer request NPR 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 Certificate NPR 1000.00
(For Institutional Account – Free once a year for Balance Certificate issued during fiscal year end.)
(Upto 50% waiver at the discretion of BM/HOP)
Certification of Account Operation to MEX clients NPR 450.00 per certificate
Statement Fee beyond 1 Year NPR 250.00 (Waiver at discretion of BM/HOP)
Request to issue Customer Advice
After 1year
After 2 Years
NPR 500.00 per advice
NPR 1000.00 per advice
(waiver at the discretion of BM/HOP)
Cash withdrawal against Cash withdrawal slip. NPR 250.00 (Waiver at the discretion of BM/HOP)
Cheque Certified “Good For Payment” NPR 600.00 per cheque
Cancellation of Cheque certified “Good For Payment” NPR 600.00
Issuance of Advance Payment Certificate NPR 500.00
NPR 500.00 duplicate
Issuance of NRB cheque at the request of customer NPR 500.00
Cancellation of NRB cheque issued (at the request of customer) NPR 250.00
Duplicate issuance of FD receipt NPR 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 Draft NPR 500.00 Plus other bank’s charge (if any) and SWIFT Charge of NPR 1,000.00.
Issuance of Managers Cheque at customer’s request 0.1% or minimum NPR 500.00
upto a maximum of NPR 1000.00
Cancellation of Manager's Cheque NPR 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 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/-
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 unpaid NPR 500.00 plus postage
Cheque returned over the counter / Inward ECC due to insufficient fund. NPR 500.00
ECC Outward presentment fee
(LCY & FCY Equivalent)
( Charges Equivalent for FCY cheque)
  • Nil – up to the cheque value NPR 200K
  • NPR 25.00 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 charges - Outward Cheques presented through high-value/express clearing session NPR 100.00 per cheque (Actual as per prevailing NCHL charges)
ECC 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
*No charges for Dividend and IPO refund payment for transactions amount up to NPR 100.00 (Actual as per prevailing NCHL charges)
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 upto six month.
  • NPR 50.00 for each month if statement pertains to beyond six months.
(waiver at discretion of BM/HOP)
Request for cheque book of account maintained at other branch. NPR 50.00 (waiver at discretion of BM/HOP)
Cheque book request without original requisition slip NPR 50.00 (waiver at discretion of BM/HOP)

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 card NPR 350
Regeneration of PIN NPR 150
Destruction of Uncollected Re-pin NPR 100
Cash withdrawal in Visa Network in India NPR 250.00 plus other bank’s charges
Cash withdrawal in Visa Network in Nepal NPR 50
Balance enquiry in VISA network in India/Nepal NPR 50
Linking new account to Debit Card NPR 100.00
E-Commerce enrollment fee NPR 100.00
E-Commerce Annual Fee NPR 100.00
Card un-block fee NPR 350
Card less Cash (Express Money)/ Remit Nil
ATM Access Fee
Them on Us (Foreign Cards at LxBL ATM) Visa/MasterCard
NPR 500
Description Charges
Joining fee (One-time) NPR 500 per card (one time)
Annual Fee NPR 1000 per card
Supplementary card fee NPR 1000 per card per year
Card Reissuance / Replacement fee NPR 1000 per card
Temporary limit enhancement fee NPR 500 per card
Permanent limit enhancement fee NPR 750 per card
E-Commerce 3D Secure Registration NPR 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 fee NPR 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
Interest 2.25 % per month
Late payment fee NPR 300 or 0.2 % per month whichever is higher
Over Limit fee NPR 500 per month
PIN Re-generation Fee NPR 150
Description Charges
Issuance of USD Prepaid Travel Card against Nepali Rupee NPR 750.00
Issuance of USD Prepaid Travel Card against FCY account USD 5.00
USD Card replacement/Renewal Fee NPR 750.00
Reload/Top Up Fee NPR 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 Inquiry USD 1.00
Re-PIN generation NPR 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 fee NPR 250.00
Annual renewal fee NPR 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 accounts Nil
Pay bills
  • Mobile phone
  • Landline
  • ADSL internet
  • Credit Card
  • QR Merchant
Nil

Description Charges
Europe and USA NPR 3,000.00
Other Countries NPR 2,500.00
India NPR 600.00
Nepal NPR 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 – AA 4.92X6.89X19.37 NPR 10,000 NPR 2,500
S.D.L. Type 2B – BB 6.26X8.27X19.37 NPR 10,000 NPR 3,000
S.D.L. Type L2/10-4D1L2 15.16X20.87X19.37 NPR 10,000 NPR 7,500
S.D.L. Type 2 - BB 6.26X8.27X19.37 NPR 10,000 NPR 3,000
S.D.L. Type 2 – 2BE 6.26X16.69X19.37 NPR 10,000 NPR 4,000
S.D.L. Type 2 – 4BH 12.63X16.69X19.37 NPR 10,000 NPR 6,500
S.D.L. Type 2 – 2B1H1 12.64X8.27X19.37 NPR 10,000 NPR 5,500
S.D.L. Type 1F/21 – 4AF 10.94X13.86X19.37 NPR 10,000 NPR 5,500
S.D.L. Type 3D/40 - DD 7.44X10.35X19.37 NPR 10,000 NPR 4,500
Locker Surrender Fee NPR 1,500
Duplicate locker key As 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 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.
Revolving- in terms of validity
Cancellations of L/C NPR 2,000.00
Communication(L/C Issuance) NPR 2,500.00
Amendment
For time extension of extension of expiry and / or increase in value 0.15% per quarter or part thereof, Min NPR 3,000.00.
Time extension within the same quarter NPR 2,000.00
Amendment other than time extension and increase in value. NPR 2,000.00
BCI report sharing charge Minimum NPR 1,000.00
Bills – Import
Import Bill under L/C (Up to 15 days) 15% p.a. (365 days basis)
Import Bill Payment NPR 2,000.00
Direct Reimbursement 15% 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 ) Commission 0.1% per month or minimum NPR 1500.00
Communication Charge NPR 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 credit NRP 3,500.00
For Partial transfer 0.125% of transferred value or minimum NPR 2,000.00
Bills - Export
Collection Bill sent 0.125% 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.259 As agreed with the customer
Communication fee ( follow-up) NPR 2,000.00
Letter of Guarantee
Issuance Fee Bid Bond 0.375% per quarter & part thereof or minimum NPR 2,500.00
Issuance Fee – Performance bond 0.4% per quarter & part thereof or minimum NPR 2,500.00
Financial and Advance Payment Guarantee 0.70% 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 bank Our 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 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)
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
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
Loan Against FD/NSB 0.25% (waiver at the discretion of HOP / BM)
Commitment Fee 0.5% 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 fee 2% 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 fee NPR 500.00 per installment
(Waiver at the discretion with BM and HoP)

Applicable Charges
Description Corporate Mid-market RFS
Loan Administration Fee Working Capital Loans
  • Overdraft 0.25%
  • Demand Loan 0.25%
  • Supply Finance 0.50%
  • Sana Byawasai Karja 0.75%

Trade Finance
  • Trust Receipt /Import Loan 0.25%
  • Trust Receipt FCY- 0.75% on disbursed amount.
  • Demand Loan against Local LC 0.25%
  • Export Loan 0.25%
  • Domestic bills LCY 0.25%
  • Export Bill0.25%

Terms Loans
  • Term Loan 0.50%
  • Commercial Vehicle1%
  • Sana Byawasai Karja 1%
  • Laghu Udhyami Karja 1%

Consumption Loans
  • Auto Loan 0.75%
  • Home Loan 0.75%
  • Home Equity Loan 1%
  • Personal Loan 1%
  • 2 Wheeler Loan 1%
  • Educational Loan 1%
  • Loan Against Gold 1%**
  • Loan Against Shares 0.75%
  • Loan Against FD/NSB 0.25%
Working Capital Loans
  • Overdraft 0.50%
  • Demand Loan 0.50%
  • Supply Finance 0.1%
  • Sana Byawasai Karja 0.75%

Trade Finance
  • Trust Receipt /Import Loan 0.50%
  • Trust Receipt FCY- 0.75% on disbursed amount.
  • 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%
  • Commercial Vehicle1%
  • Sana Byawasai Karja 1%
  • Laghu Udhyami Karja 1%

Consumption Loans
  • Auto Loan 0.75%
  • Home Loan 0.75%
  • Home Equity Loan 1%
  • Personal Loan 1%
  • 2 Wheeler Loan 1%
  • Educational Loan 1%
  • Loan Against Gold 1%**
  • Loan Against Shares 0.75%
  • Loan Against FD/NSB 0.25%
Working Capital Loans
  • Overdraft 0.50%
  • Demand Loan 0.50%
  • Supply Finance 1%
  • Sana Byawasai Karja 0.75%

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%
  • Commercial Vehicle1%
  • Sana Byawasai Karja 1%
  • Laghu Udhyami Karja 1%

Consumption Loans
  • Auto Loan 0.75%
  • Home Loan 0.75%
  • Home Equity Loan 1%
  • Personal Loan 1%
  • 2 Wheeler Loan 1%
  • Educational Loan 1%
  • Loan Against Gold 1%**

Deprived Sector &Micro Loans
  • Wholesale Loan0.25%
  • Low Cost Housing0.25%
  • Live Stock Loan 1%
  • Personal Loan 1%
  • Tractor/eRickshaw Loan 1%
  • Other MSME Loan 1%
  • LaghuKarja 1%
  • KrishiKarja 1%

Other Loans
  • Loan Against Shares 0.75%
  • Loan Against FD/NSB 0.25%

Others Loans as per Product paper and approved terms.
Loan Administration Fee –Renewal SBK /HELOC Upto NPR 1 mio : NPR 10K
Above 1 mio to NPR 5 mio : NPR 15K
Above 5 mio : NPR 25K-75K
Loan Renewal Fee – Mid-Market NPR 25K -100K
Loan Renewal Fee Corporate /BD NPR 25K -100K

Description Charges
Documents retrieved within 1 year NPR 500.00
(waiver at the discretion of BM/HOP)
Documents retrieved after 1 year NPR 1,000.00
(waiver at the discretion of BM/HOP)

Description Charges
Staff - All fees & charges Nil. Subject to the following
  • Actual expense i.e., SWIFT/Postage, Third party fee/services etc will be levied.
  • Annual rental fee for safe deposit locker will be levied as per SSC.
  • Credit Card Issuance NPR 500
  • Credit Card Annual NPR 500
  • No security deposit for locker.
Immediate family members – All fees & charges
  • 50% of SSC except locker fee.
  • Actual expense i.e., SWIFT/Postage, Third party fee/services etc will be levied.
  • No security deposit for locker.

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.
  • The above charges /fees will come into effect from 9 September 2019.