Schedule of Service ChargesPlease 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 KhataPlease 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 Charges1.1.1Stop payment of chequeNil1.1.2Cheque book destruction fee NPR 450.001.1.3Account Closure Within Six monthsNil1.1.4ABBS Charge above NPR 200KDeposited into account other than domicile branch.Nil1.1.5ABBS Charge above NPR 200KWithdrawal from account other than domicile branch.Nil1.1.6Standing Instruction at customer requestNPR 450.00 per instruction1.1.7Failure to execute Standing Instruction (placed at customer request) due to insufficient balance.NPR 250.00 per SI failure1.1.8Lien marked in favor of third party(when requested by customer)NPR 600.001.1.9Issuance of Balance CertificateNil1.1.10Certification of Account Operation to MEX clientsNPR 450.00 per certificate1.1.11Request for Account Statement Nil NPR 50.00 per each month for repeat request1.1.12Request to issue Customer Advice After 1year After 2 YearsNPR 500.00 per advice NPR 1000.00 per advice1.1.13Cheque Certified “Good For Payment”Nil1.1.14Cancellation of Cheque certified “Good For Payment”NPR 600.001.1.15Issuance of Advance Payment CertificateNPR 500.00 NPR 500.00 duplicate1.1.16Issuance of NRB cheque at the request of customerNPR 500.001.1.17Cancellation of NRB cheque issued (at the request of customer)NPR 250.001.1.18Duplicate issuance of FD receiptNPR 500.00 per receipt1.1.19Issuance 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 ).1.1.20Cancellation of DraftNPR 500.00 Plus other bank’s charge (if any) and SWIFT Charge of NPR 1,000.00.1.1.21Issuance of Managers Cheque at customer’s request0.1% or minimum NPR 500.00 upto a maximum of NPR 1000.001.1.22Cancellation of Manager's ChequeNPR 500.001.1.23Blacklisting /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)1.1.24Request for cheque book of account maintained at other branch.Nil1.1.25Cheque book request without original requisition slip NPR 50.00 1.1.26Cash withdrawal against Counter Cheque NPR 250.001.1.27C-ASBA Application Charge NPR 25.00 per application1.1.28Account Confirmation Certificate(Except Balance) NPR 500.00 1.2 Payment Services S.N. Description Charges1.2.1Outward Wire Transfer, other than India (BEN)0.1% or minimum NPR 500.00 and SWIFT charge of NPR 1,000.001.2.2Outward 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”1.2.3Wire 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)1.2.4Outward 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 15.001.2.5Wire 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/-1.2.6Refund of inward wire transfer - FCY Refund of inward wire transfer – INRUSD 25.00 plus NPR 1000.00 SWIFT charge. INR 500.00 plus NPR 1000.00 SWIFT charge.1.2.7Other Bank Charges (Inward remittance received in USD)USD 5.001.2.8Cheque 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 charge1.2.9Cheque sent on collection returned unpaidNPR 500.00 plus postage1.2.10Cheque returned over the counter / Inward ECC due to insufficient fund. NPR 500.001.2.11ECC 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 Nil1.2.12ECC charges - Outward Cheques presented through high-value/express clearing session NPR 100.00 per cheque (Actual as per prevailing NCHL charges)1.2.13NCHL 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 1.2.14NCHL 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)1.2.15INR Cash Management fee NPR 100.00 per transaction1.2.16Real 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 Charges2.1VISA Card one-time Fee (during issuance) Same applies for replacement of lost / damaged card/RenewalUpfront - NPR 1,200/4 years orInstallment - NPR 350 p.a2.2Destruction of uncollected cardNPR 3502.3Regeneration of PINNPR 1502.4Destruction of Uncollected Re-pinNPR 1002.5Cash withdrawal in Visa Network in India NPR 250.00 plus other bank’s charges2.6Cash 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) - Nil2.7Balance enquiry in VISA network in India/NepalNPR 202.8Linking new account to Debit CardNPR 100.002.9E-Commerce enrollment feeNPR 100.002.10E-Commerce Annual FeeNPR 100.002.11Card un-block feeNPR 3502.12Card less Cash (Express Money)/ RemitNil2.13ATM Access Fee Them on Us (Foreign Cards at LxBL ATM) Visa/MasterCardNPR 5002.14Green Pin (Debit Card)Nil 3. Credit Card S.N. Description Charges3.1Joining fee (One-time)NPR 500 per card (one time)3.2Annual FeeNPR 1000 per card3.3Supplementary card feeNPR 1000 per card per year3.4Card Reissuance / Replacement feeNPR 1000 per card3.5Temporary limit enhancement feeNPR 500 per card3.6Permanent limit enhancement feeNPR 750 per card3.7E-Commerce 3D Secure RegistrationNPR 1003.8E-Commerce 3D Secure Annual Fee ( 3D Secure Service)NPR 1003.9E-Commerce 3D Secure Transaction Fee ( 3D Secure Service)0.5% per transaction Or Min NPR 50/-3.10Negative listing feeNPR 300 per card3.11Cash advance fee with our Card (On Us transaction)NPR 100+2% of withdrawn amount3.12Cash advance fee with other bank’s Card (Them on Us transaction)NPR 150 + 2% of withdrawn amount3.13Interest2.25 % per month3.14Late payment feeNPR 300 or 0.2 % per month whichever is higher3.15Over Limit feeNPR 500 per month3.16PIN Re-generation FeeNPR 150 4. USD Prepaid Card 4.1 USD Card –Travel CardS.N. Description Charges4.1.1Issuance of USD Prepaid Travel Card against Nepali RupeeNPR 750.004.1.2 Issuance of USD Prepaid Travel Card against FCY accountUSD 5.004.1.3USD Card replacement/Renewal FeeNPR 750.004.1.4Reload/Top Up FeeNPR 250.004.1.5Transaction FeeCash Withdrawal-(Some banks may charge ATM Access Fees differently for VISA cards used on their ATM)USD 4 plus other bank’s chargesBalance InquiryUSD 1.004.1.6Re-PIN generationNPR 250.00 4.2 USD Card – E-CommerceS.N. Description Charges4.2.1USD Prepaid Card (For Online Use Only)Issuance – NPR 500 Load/Top-up – NPR 300 per Top-up4.2.2E-commerce Transaction Fee1% of Transaction amount 5. Internet Banking (iBank) Services S.N. Description Charges5.1Subscription of Internet Banking(iBank)NPR 1000.00 per annum for legal person NPR 250.00 per annum for natural person5.2Fund Transfer within Laxmi Bank accountsNilTransfer 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 100.005.3Credit Card Payment through NCHLConnect IPSUpto NPR 500: NPR 2/- Above NPR 500 to NPR 5K: NPR 5/- Above NPR 5K to NPR 50K: NPR 10/- Above 50K: NPR 15/-5.4CorporatePay ServiceEnrollment Fee NPR 1,000/- Renewal NPR 1,000/- p.a. Transaction Fee as per NCHL IPS/Connect IPS slab. 6. Email Alerts S.N. Description Charges6.1Email 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 Charges7.1Mobile Money subscription feeIndividuals - NPR 250.00 per annum Corporate - NPR 1,200.00 per annum or NPR 100.00 per month7.2Annual renewal feeNPR 250.007.3Subscription modification fee(Change in mobile number/mobile set)NPR 100.007.4Fund transfer within Laxmi Bank accountsNilTransfer 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/-7.5Pay bills - Mobile phone - Landline - ADSL internet - Credit Card - QR MerchantNil 8. Postage Recovery S.N. Description Charges8.1Europe and USANPR 3,000.008.2Other CountriesNPR 2,500.008.3IndiaNPR 600.008.4NepalNPR 250.00 9. Market Maker S.N. Description Charges9.1Management 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 Rent10.1S.D.L. Type 1A – AA4.92X6.89X19.37NPR 10,000NPR 2,50010.2S.D.L. Type 2B – BB6.26X8.27X19.37NPR 10,000NPR 3,00010.3S.D.L. Type L2/10-4D1L215.16X20.87X19.37NPR 10,000NPR 7,50010.4S.D.L. Type 2 - BB6.26X8.27X19.37NPR 10,000NPR 3,00010.5S.D.L. Type 2 – 2BE6.26X16.69X19.37NPR 10,000NPR 4,00010.6S.D.L. Type 2 – 4BH12.63X16.69X19.37NPR 10,000NPR 6,50010.7S.D.L. Type 2 – 2B1H112.64X8.27X19.37NPR 10,000NPR 5,50010.8S.D.L. Type 1F/21 – 4AF10.94X13.86X19.37NPR 10,000NPR 5,50010.9S.D.L. Type 3D/40 - DD7.44X10.35X19.37NPR 10,000NPR 4,50010.10Locker Surrender FeeNPR 1,50010.11Duplicate locker keyAs per actual. 11. Trade Operations S.N. Description Charges11.1Letter of Credit –Import11.1.1Issuance 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)11.1.2Revolving -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.11.1.3Revolving- in terms of validity11.1.4Cancellations of L/CNPR 2,000.0011.1.5Communication(L/C Issuance)NPR 2,500.0011.1.6Amendment0.15% per quarter or part thereof,For time extension of extension of expiry and / or increase in valueMin NPR 3,000Time extension within the same quarterNPR 2,000.00Amendment other than time extension and increase in value.NPR 2,000.0011.1.7BCI report sharing chargeMinimum NPR 1,000.0011.2Letter of Credit – Export11.2.1 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.11.2.2Confirmation Adding (Subject to prior arrangement)As agreed with the customer.11.2.3Transfer of CreditFor a simple transfer of whole documentary creditNRP 3,500.00For Partial transfer0.125% of transferred value or minimum NPR 2,000.0011.3Bills – Import11.3.1Import Bill under L/C (Up to 15 days)15% p.a. (365 days basis)11.3.2Import Bill PaymentNPR 2,000.0011.3.3Direct Reimbursement15% p.a. (365 days basis) if booked under import bill or as agreed with the customer for import loan facility.11.3.4Collection Bill received ( Import bills without L/C)0.15% on bill value or minimum NPR 2500.0011.3.5Acceptance (usance L/C ) Commission0.1% per month or minimum NPR 1500.0011.3.6Communication ChargeNPR 1,500.0011.3.7Discrepancy 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 currency11.4Bills - Export11.4.1Collection Bill sent0.125% on bill value of minimum NPR 2,500.0011.4.2 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 3500.0011.4.3 Export Bill – Usance Clean Discrepant 0.5%. Beyond 15 days 15% p.a. 0.75%. Beyond 15 days 16% p.a11.4.4Cash Against Document (CAD) – NRB circular no Ipra. Paripatra No.259As agreed with the customer11.4.5Communication fee ( follow-up)NPR 2,000.0011.4.6Export Cash Incentive processing fee0.5%11.5Letter of Guarantee11.5.1Issuance Fee Bid Bond0.375% per quarter & part thereof or minimum NPR 2,500.0011.5.2Issuance Fee – Performance bond0.4% per quarter & part thereof or minimum NPR 2,500.0011.5.3Financial and Advance Payment Guarantee0.70% per quarter & part thereof or minimum NPR 2,500.0011.5.4Amendment Increase in value & Time extensionSame as issuance charge11.5.5Other amendment i.e. extension within same quarter or clauses of guarantee text.NPR 2,500.0011.5.6Issuance of counter guarantee to other bankOur charge plus correspondent bank’s charge and SWIFT charge of NPR 2,500.00.11.5.7Amendment 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 Charges12.1Credit 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)12.2Issuance 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 1,000.0012.3Loan Against FD/NSB0.25%12.4 Charge on partial release of securities Zonal registration transfer/request for new blue book NPR 1000Applicable Loan Related ChargesS.N.DescriptionCorporate / Infrastructure & ProjectsBusiness DevelopmentMid-marketRFS12.5Loan 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%12.6Loan Renewal FeeNPR 25K - 0.15% of Loan Amount 0.15% of Loan Amount12.7Prepayment / 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 loan12.8Commitment 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 Charges13.1Documents retrieved within 1 yearNPR 500.0013.2Documents retrieved after 1 yearNPR 1,000.00 14. Others S.N. Description Charges14.1Information Processing Fees under the Right to Information (RTI) ActNil - NPR 1000.00 per information (Depending on the Complexity of Sourced Information)14.2Credit Information Fee (Within Local FIs)NPR 1,000.00 per information 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 andcommission from the customer’s account. Charges/commissions are subject to change upon bank’s discretion and may not be notified to customersin all cases. Waivers or discounts on the commission/ charges if applicable will be agreed between the bank and thecustomer 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 thecharges in bulk. For cancellation, the customer has to follow the process as ratified by the bank. Irrespective of whetherthe service is used or not as long as the customer still holds a subscription the bank may charge thecustomer. If you have any doubts or confusion regarding the charges, customers are requested to contact ournearest branch. On charge related to service from third party shall be amended as advised by respective party.Featured Product Mobile MoneyCustomers can now carry their Laxmi Bank accounts in their pockets. It is a true anytime-anywhere service! Learn More VISA Debit CardLaxmi Bank’s Visa Debit Card is one more reason to save. Learn More Recurring DepositSave and earn higher return on your investment that will be competitive with that of a regular fixed deposit. Learn More
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