Prabhu Bank Limited STANDARD TARIFF CHARGES (Summary) 1. CUSTOMER SERVICES NRB Cheque issuance/ NRB Swift Rs.500/- flat (Free in case of payment to be made by the Bank itself) a) Rs.300/- per instruction, in case of same branch. b) Rs.400/- per instruction, in case of other branches. Rs.250/- per instruction Stop Payments of cheque Standing Instruction Good for Payment Cheques certified “Good For Payment" a) Rs.300/- per cheque for same Prabhu branch account b) Rs.500/- per cheque for other Prabhu branch’s cheques Rs.300/- per instrument For Inward / Home cheques: Rs.300/- per cheque Cancellation of Good For Payment cheque Cheques returned (due to insufficient balance only) Balance Certificate a) Rs.500/- per certificate Issuance of Balance Certificate/ Reconfirmation of balance b) Rs.500/- flat for any balance re-confirmation Issuance of balance certificate - other branches Rs.500 per balance certificate Account Closure A/C close (C/A & S/A) within 3 months Rs. 500/- or USD 10 or equivalent. A/C close after 3 months Rs. 300/- or USD 5 or equivalent Account close to open fresh account at same or another branch Rs. 200/- flat or USD 5 or equivalent Encashment of Outstation Prabhu Cheque / Inter Branch Cash Deposits Withdrawal from account maintained at other Prabhu branches 0.05% or Rs. 100 whichever is higher and maximum upto Rs. 2,000. Fax Transfer ( With other banks) As per agreement IB Cash / Cheques Deposit 0.05% or Rs. 100 whichever is higher and maximum upto Rs. 2,000. Deposit/Withdrawal to and from Overdraft Loan Account & A/c of Free Corporate Customer (Business booked by Business Banking, Consortium & Project Financing. FCY Notes FCY note deposit into account 0.50% of the face value (NRB requirement) for the denomination below USD 50/Safe Deposit Lockers (SDL) Type 1 2 3 4 5 6 7 Dimension in mm 15*20 (1A) 15*40 (1C) 20*25 (1F) 20*50 (2B) 30*20 (3D) 30*40 (3G) 40*50 (L2) Charges for Lockers Annual Charge Rs. 2,000 Rs. 2,500 Rs 3,000 Rs 4,000 Rs. 3,000 Rs 5,000 Rs 8,000 Security Deposit* Rs 5,000 Rs 8,000 Rs 10,000 Rs 12,000 Rs 10,000 Rs 15,000 Rs 20,000 In case of existing lockers in Lainchour, New Road and Pokhara (Erstwhile Prabhu Bikas Bank), the charges are as below: 1 STANDARD TARIFF CHARGES (Summary) Size of Locker Small Size Vertical Size Medium Size Large Size X-Large Size Annual Charge Rs. 2,000 Rs. 2,500 Rs. 3,000 Rs. 3,500 Rs. 4,000 Security Deposit* Rs. 5,000 Rs. 8,000 Rs. 10,000 Rs. 15,000 Rs. 20,000 Rs. 5,000/- or Actual Cost of lock replacement whichever is higher. Free Breaking of Locker/ Replacement of Keys Surrender of Locker Cheque Book Cheque Book issuance (fresh request) Cheque Book issuance against lost Cheque Book Charge for Uncollected Cheque Book Cheque Book issuance of other Branches Withdrawal Slip/Counter cheque Savings Accounts: Free up to 25 leaves at one time issuance. For more than 25 leaves at one time issuance Rs. 2 per additional leaf above 25 leaves.* Current accounts / Call accounts: Free up to 50 leaves at one time issuance. For more than 50 Note: where customer request is not specific, only10 leaves to be provided at one time issuance. Rs. 100/- per cheque book in case of same branch. Rs. 300/- per cheque book in case of other Branches. Rs. 300/- per cheque book (Cheque books not collected within six months from issuance). Free Rs. 50 per slip for same branch. Rs. 100 per slip for other branch. (Free, in case of ATM not working) Account Statement Duplicate Account Statement Rs. 20/- per page. Free in case of issuance of Balance Certificate. Account statement of Other Branches Free Statement to be posted abroad Rs. 500 plus actual courier charge Duplicate, Customer DR / CR advice/ Record (On customer request) Free for first time when fresh advice is issued at the time of transaction place. Within 3 months of transaction Rs. 100 for duplicate document. After 3 months and up to 2 Years Rs 200/- per request. After 2 years Rs.500/- per request Duplicate FD Certificate Rs.500/FD Liquidation a) No Interest to be paid if it is liquidated within 3 months. b) Interest to be paid by applying coupon rate or prevailing published interest rate for the FD actually maintained period whichever is lower less 2% p.a. for the entire period of FD placed. 2. Card Related Fees (Prabhu Debit Card including VISA Debit and Credit Card) Description of Charges SCT Debit Card VISA Debit VISA Debit (Domestic) Int'l VISA Credit VISA Credit Card Card Domestic Int'l Card Issuance Rs. 750/- Free Rs.250/- USD 5/2 STANDARD TARIFF CHARGES (Summary) USD 15/- Renewal of Debit Card Rs.200/- per year Rs.250/-per year USD 5/-per year Rs. 500/- USD 10/- Debit Card for loan A/C Rs.250/- Rs.250/- USD 5/- NA NA Re-issuance (lost card etc.) Rs.200/- Rs.250/- USD 5/- Rs. 500/- USD 10/- Pin Re- generation of Debit Card Rs.100/- Rs.100/- USD 1.50/- Rs. 100/- USD 1.5/- Card delivery from other branches Rs.100/- Rs.100/- USD 1.50/- NA NA Uncollected debit cards Rs.250 (if not collected within 6 months) Not applicable Not applicable NA NA Urgent Card Issuance fee Travel Card Issuance Normal card charge plus Rs. 100/Rs. 500/- per card SMS Banking / mCash (Mobile Wallet) mWallet with transaction alert mWallet pin reset charge mWallet– mobile number change Inter-Bank Fund Transfer Charges Through M-Wallet Transaction Range (NPR) 100 to 1,000 1,001 to 10,000 10,001 to 20,000 20,001 to 30,000 30,001 to 40,000 40,001 to 50,000 Hello Paisa Rs.300 per account per year Rs. 50 Rs. 50 Transfer Fees (NPR) 10 20 30 40 50 60 For Customers doing Cash In at Bank (Prabhu Bank & Any other Hello Free Paisa- Partner Bank) For Customers doing Cash Out at Prabhu Bank Free For Customers doing Cash Out at Other Hello Paisa- Partner Bank, charge is as below: Transaction Slab based fees for Cash Out @ Other Bank S.No. Slab From To 1 1 5,000 2 5001 10,000 3 10,001 25,000 4 25,001 50,000 5 50,001 100,000 Transaction Slab based fees for Other Transactions S.No. Slab Price NPR From To 1 1 5,000 10 2 5001 10,000 15 3 10,001 25,000 25 Transaction Slab based fees for 3 STANDARD TARIFF CHARGES (Summary) Price NPR Services 10 15 25 35 45 Cash Out at Other Bank Services Mobile A/c to Mobile A/c (P2P) Request money (RMoney) Unregistered payment (UPay) S.No. 1 2 3 4 5 From 1 5001 10,001 25,001 50,001 Slab To 5,000 10,000 25,000 50,000 100,000 Price NPR Services 10 15 25 35 45 Cash in by agent Cash out by agent Other Fees Details ATM Withdrawal Verify OTP SVA Balance Inquiry SVA Mini Statement Bank Account Balance Inquiry Mobile A/c to Bank A/c Transfer Bank A/c to Mobile A/c Transfer NTC Balance Transfer to Self NTC PSTN Bill Payment to Others NTC Balance Transfer to Others NTC Postpaid Bill Payment to Self NTC Postpaid Bill Payment to Others NTC ADSL Bill Payment to Others Ncell Balance Transfer to Self Ncell Balance Transfer to Other Ncell Postpaid Bill Payment to Self NCELL Postpaid Bill Payment to Other Merchant Payment Initiated By Merchant Dish Home Voucher Request to Self Dish Home Voucher Request For Other Pin Reset Pin Change Internet Banking Service Registration for service Renewal fee Pin regeneration Uncollected pin destroy charge CCTV footage request Fees Rs. 20 upto Rs. 20,000 Rs. 3 after first four request/ month Rs. 3 after first four request/ month Rs. 3 after first four request/ month Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free Rs. 200/- per account Rs. 200/- per account ( Annually ) Rs. 100/Rs. 100/- (if not collected within 3 months) Rs. 500/- per request Card Transactions Fees (Prabhu Debit Card including VISA Debit and Credit Card) Description SCT Debit VISA Debit VISA Debit Card Card Card (Int'l) (Domestic) Onus Card Onus ATMs- Cash Withdraw Onus Card Onus ATMs- Balance enquiry Onus Card Onus ATMs-Mini Statement Onus Cards SCT ATMs-Cash Withdrawal Onus Cards SCT ATMs-Balance Inquiry Onus Cards SCT POS Onus Cards HBL ATMs-Cash Withdrawal Onus Cards HBL ATMs-Balance Inquiry Free Free Rs. 5 Rs.25 Rs.3 Free Rs.25 Rs.3 STANDARD TARIFF CHARGES (Summary) Free Free Rs. 5 Rs.30 Rs.5 Free Rs.20 Rs.5 4 Not Allowed Visa Credit Card (Domestic) VISA Credit Card (Int'l) Rs. 100 No Charge NA Rs. 150 Rs. 5 No charge NPR. 150 NPR 5 Transaction Onus Cards at VISA ATMs(Nepal)-Cash Withdrawal Onus Cards at VISA ATMs(India)-Cash Withdrawal Onus Card at VISA ATMs (India)-Balance Inquiry Onus Card at VISA ATMs(International)-Cash Withdrawal Onus Card at VISA ATMs(International)Balance Inquiry VISA / Master Card acquiring surcharge(Except for Cards issued from Europe, India and Nepal) Interest on cash withdrawal Rs.150 Rs.250 Service not available NPR. 200 Service not available Rs.50 doesn’t allow. NPR. 250 NPR. 50 USD 5 Not Allowed USD 5 Service not available USD 0.75 Not Allowed USD 0.75 NA NA Rs.400 NA NA NA NA NA 1% per month Late Payment Fee NA NA NA 2.5% per month NPR. 300 per instance Over limit fee Limit Enhancement fee (customer request) Counter Bill Payment Nepal Telecom Bill Payment Nepal Telecom GSM Postpaid Bill Payment Nepal Telecom ADSL Bill Payment NA NA NA NA NA NA USD 5 per instance NPR.250.00 USD.5.00 NPR.500.00 USD.10.00 Free 3.REMITTANCES Draft/SWIFT(including advance payment) in FCY (Customer) Draft/Swift FCY (Non Customer - Student studying abroad only) NPR Draft / MC Issuance (Customer) NPR Draft / MC Issuance (Non Customer) SWIFT MT 103 payment with charges “our” only to customer Cancellation of Remittance DD/MC/etc a) Up to six months from draft issuance date b) > 6 months to one year from draft issuance date c) > 1 year after draft issuance date d) Cancellation request of SWIFT Payment Stop payment of Manager Cheque (MC) / Demand Draft(DD) i) 0.15% or minimum Rs.500/- for each draft /SWIFT in AUD / JPY*. ii)0.15% or minimum Rs.300/- for each draft/SWIFT in USD / GBP /EURO iii)0.15% or minimum Rs.200/- for each draft/SWIFT in INR*. *Note: 1.For remittance outward through the medium of SWIFT 0.30% or minimum Rs.500/- for each draft/swift*. *Note: 1.For remittance outward through the medium of SWIFT, communication charges as per Section 5 of STC will also be charged in addition to commissions specified as above 0.10% or minimum Rs. 200/0.20% or minimum Rs. 300/USD 20 / GBP 20 / EUR 35 / AUD 20 / JPY 5500 / INR 200 (or equivalent NPR amount) initially and additional charges as per claim of the intermediary bank. a) b) c) d) Rs. 300/- flat per draft plus communication Rs. 500/- flat per draft plus communication Rs. 1000/- flat per draft plus communication Rs. 500/- flat plus communication Stop payment of MC / DD(INR) a) Rs. 300/-per instruction for same Prabhu Branch cheques(for MC) b) Rs. 500/-per instruction for Other Prabhu Branch’s cheques(for MC) c) Rs. 500/-(plus communication charges as per Section 5 of STC where ever applicable) for DD issued in INR Stop Payment of FCY Demand draft (other than INR) a) GBP 25 or equivalent NPR per instrument issued in GBP b) AUD 20 or equivalent NPR per instrument issued in AUD c) USD 10 or equivalent NPR per instrument issued in USD d) EUR 20 or equivalent NPR per instrument issued in EURO 5 STANDARD TARIFF CHARGES (Summary) Remittance / Inward Remittance inward Transfer to another bank Follow up SWIFT on remittances at customer’s request Clean Cheque Collection Local clearing cheques (Normal Course) Local clearing cheques (Special /Express clearing) Inward clean collection (except local clearing) Cheque Collection Outwards FCY/LCY Issuance of Advance Payment Certificate 4.TRADE FINANCE Documentary Credit Issuance commission of documentary credits Revolving L/Cs reinstatement ( As par with 3.1.1) Acceptance Commission a) Received in FCY from Correspondent Banks : Free of Charge. (i.e. Remittance from SCB / Common Wealth Bank / Mashreq Bank / NIC Bank in USD / Yes Bank, etc.). b) Received in LCY from other Local BFIs: Rs.200 flat per transaction or a/c credit. (i.e. remittance in NPR from any other Nepali Bank.) c) Received in LCY from Remittance Companies / Money Transfer: Rs.200 flat per transaction or a/c credit. (such as Annapurna Travels, Prabhu Money Transfer, IME for their sub-agent account funding or account credit of customers with us other than online payment system) d) Remittance in LCY through Online Payment System: Free of Charge, Commission as per agreement. (i.e. remittance payment of IME, SDBL, Western Union, etc. through online payment system). 0.20% or minimum Rs. 300/- inclusive of communication charges as per STC Sec.5. Rs.750/- per message plus other bank charges if any plus communication (As per section 5 of STC.) Free Rs. 500 or USD 10 per cheque 0.25% minimum Rs 500/-(plus out of pocket expenses) 0.125% or minimum Rs.500/- plus postage/courier Note-1. Minimum Balance of NPR 10,000/- FCY to ensured before cheque is sent for collection/presented for clearing(in case of outward cheques). Rs.250/- per certificate. Domestic LCs - 0.25% or minimum Rs. 1,000 per quarter whichever is higher. ** International LCs:For Industries: 0.125% or min. Rs. 1000 per quarter For Trading and Others: 0.15% or min. Rs. 1000 per quarter ** Domestic LCs - 0.25% or minimum Rs. 1,000 per quarter whichever is higher. ** International LCs : For Industries: 0.125% or min. Rs. 1000 per quarter For Trading and Others: 0.15% or min. Rs. 1000 per quarter ** For Industries: 0.25% or min. Rs. 2000 per quarter For Trading and Other Units: 0.30% or min. Rs. 2000 per quarter ** (** Communication charges as per STC section 5). L/C amendment (Import) Confirming commission (Subject to approval for import LC) Discounting under Import LC Rs 500/- on all amendments except for increase in LC amount and / or extension of validity in which case charges shall be as per 3.1.1 plus communication charges as per section 5 of STC. However, no communication charges shall be applicable, where LC amendment is only for customs purpose. 025% - 0.50% per quarter or minimum Rs. 3,000/- per quarter, whichever is higher (plus communication charges as per section 5 of STC) Negotiable 6 STANDARD TARIFF CHARGES (Summary) L/C cancellation Charge Document Handling Charges (import –LCs / Non LCs) Documents against payment (DAP) Documents against Acceptance(DAA) Discrepancy Fees (Docs under import L/Cs) a) Convertible FCY L/Cs b) INR L/Cs c) Rs. L/C (Domestic) Over drawn commission under Import L/C Issuance of Delivery Order under L/C against copy documents. Interest rate on BLC Commission for Import bills for collection Documents (including LC ) returned unpaid /unaccepted BCI Report obtainment charge Advising / Amendment in Export L/Cs Advising Export Letter of Credit or subsequent amendment for L/Cs not to be negotiated with us. Advising Export Letter of Credit or subsequent amendment for L/Cs to be negotiated (both LCY & FCY) with us. a) Documents Negotiation under Sight L/C Fully unutilized: NPR 1,000 flat Partially unutilized: NPR 500 flat (if partial shipment allowed) plus communication charges as per STC Section 5). 'Only in case of L/Cs cancelled after obtaining consent from Beneficiary. Not applicable where L/Cs can be cancelled merely on Applicants’ requests or upon expiry Rs. 1,000/- for each set of documents (plus communication charges as per Section 5). 0.25% - 0.375% or min Rs.1,000/(plus communication charges as per section 5 of STC). a) 0.50% - 0.75% per quarter or min Rs.1,000/- per quarter at the time of acceptance booking (plus Communication charges as per Section 5 of STC). b) Rs. 500/- flat at the time of payment. a) USD 50 or equivalent per set of Docs plus communication fee of USD 10 per set of documents b) INR 2,000 or equivalent per set of Docs plus communication fee of INR 500 per set of documents c) Rs. 3,000 per set of Docs 0.50% on overdrawn amount or Rs.1,000/- whichever is higher. Rs.500/- per set of documents Highest published lending rate of the Bank. Rs.1,000 per instrument or per set of document (Communication charges as per Section 5 of STC.) As claimed by the BCI report provider(plus communication charges as per Section 5 of STC) Rs.3,000/- Advising (plus communication charges as per STC Sec. 5). Rs.2,000/- Amendment (plus communication charges as per STC Sec. 5). Rs.1,000/- Advising / Amendment (plus communication charges as per Section 5 of STC). ai. Clean Sight Documentary Bills: 0.6% of Document value or Min. Rs. 1,000 up to 15 days. Overdue Interest: Highest published lending rate of the Bank, effective after 15 days from negotiation date (plus communication charge as per section 5). ii. Discrepant Sight Documentary Bills: 0.75% of Document value or Min. Rs. 2,000 up to 15 days. Overdue Interest: Highest published lending rate of the Bank, effective after 15 days from negotiation date (plus communication charge as per section 5). 7 STANDARD TARIFF CHARGES (Summary) b) Documents Negotiation under Usance L/C b) Clean Usance Documentary Bills: 0.6% of Document value or Min. Rs. 1,000 per month. Overdue Interest: Highest published lending rate of the Bank, effective from next working day after the date of maturity (plus communication charge as per section 5). ii. Discrepant Usance Documentary Bills: 0.75% of Document value or Min. Rs. 2,000 per month. Overdue Interest: Highest published lending rate of the Bank, effective from next working day after the date of maturity (plus communication charge as per section 5). L/C Transferring Charge Processing documents under collection under Export LC Documents under collection without L/C including CAD Rs 1,500/- flat (plus communication charges as per STC Sec.5) 0.10% of document value or min Rs 1,000/- (plus communication / courier charges as per STC sec 5). 0.25% per quarter or min Rs 2,000/- per quarter (plus courier / communication charges as per STC Sec.5). 0.25% per quarter of LC value or minimum Rs.2,000 per quarter (plus courier charges/communication charges as per Section 5 of STC). Rs. 1,000/- for each set of documents (plus communication charges as per Section 5 of STC). Rs.300 per instrument Confirmation Charge (Export LC) subjected to prior arrangement Document Handling charge (Export LCs / Non LCs) Stop Payment/Cancellation Charge of NRB Security Margin Cheques Guarantees Bid Bond 0.25% per quarter or minimum Rs 500/- per quarter, whichever is higher Performance Bond 0.35% per quarter or minimum Rs 750/- per quarter, whichever is higher Advance Payment Guarantee 0.40% per quarter or minimum Rs.1,000/- per quarter, whichever is higher Supplier Credit Guarantee 0.40% per quarter or minimum Rs. 1,000 per quarter, whichever is higher Guarantee issued by us against the guarantee issued by other bank (FCY/NPR) Other Guarantees: a. 100% Cash margin (i.e. only either against cash margins or lien mark of non-interest bearing deposits) b. Others (For special purpose) 0.35% per quarter or min. USD 50 per quarter plus commission / charge of other bank plus out of pocket expenses Negotiable 0.4375% per quarter or minimum Rs. 2,000 per quarter, whichever is higher Shipping Indemnity Rs 1,000/- flat Amendment not affecting value & validity Rs.750/- flat plus communication charges. Amendment affecting value & validity The same rate as fresh issuance Claim Handling Charge NPR 1,000/- per claim 5. COMMUNICATION, POSTAGE AND TEST KEY HANDLING CHARGES Communication – SWIFT Simple payment message (Nepal) Rs. 500/- per message Simple payment message (India) Rs.750/-per message Other messages (India) Rs.750/-per message Prime clients: Rs.1,000/-per message L/C, GTEE messages India Non-prime Clients: Rs.1,500/-per message Simple payment message (Elsewhere) Rs.750/-per message Corporate Clients: Rs.750/-per message 8 STANDARD TARIFF CHARGES (Summary) Other messages (Elsewhere) L/C, GTEE messages (Elsewhere) SWIFT Charge for Placing Reimbursement authorizations/ IRU Requests under L/Cs’ SWIFT charge for advising due date under Usance Credit SWIFT charge for Amendment in import LCs. SWIFT charges for correspondence done on behalf of bank for bank’s own purpose Courier (For each packet up to 500 gms) Nepal India Other Countries Postage Nepal India Other Countries 6. CREDIT ADMINISTRATION Credit inquiries Non-Corporate Clients: Rs.1,000/-per message Rs.1,500/-per message Rs. 750/-per message. Rs. 750/- per message. Rs.500/- per for single page amendment (i.e. for initial page only). However Rs.300 per page to be charged for every additional page of amendment. Free Rs. 100 Rs. 350 Actual Cost basis as per arrangement with Courier service or Minimum Rs.1,000 per set of documents whichever is higher. Rs. 50/- per set of documents Rs. 100/- per set of documents Rs. 500/- per set of documents Reciprocal basis. Rs.500/- per enquiry for banks without reciprocal arrangement. CICL Charge Credit Information Black Listing / delisting charges a) For entity with no transactional/clean report* Off line Online Rs.275 Rs.250 b) For an entity with transaction/detail report* Off Line Online Rs. 600 Rs.550 *Note: Charges above mentioned are on actual basis. Changed rates shall be applicable, if amended by CICL from time to time. a) For Borrower having exposure of Rs. 10 million and above* -Rs. 3,000 per request of listing/delisting b) For Borrower having exposure of below Rs. 10 million* -Rs. 2,000 per request of listing /delisting *Note: Charges above mentioned are on actual basis. Changed rates shall be applicable, if amended by CICL from time to time. LENDING FEES Commitment Fee (Term Finance) Commitment Fee (Working Capital Finance) 2% p.a. of undrawn limit 2% p.a. if utilization is below 50% (For eg. If utilization is 40% only, the commitment fee will be applicable for the differentiate i.e. for 10% only) Prepayment Charge a) Term loan: 2% on flat for amount settled before the committed Tenure b) OD and revolving nature loan: Free Loan Administration Fee Upto1% of loan limit Letter issue for Share pledge ( Margin Lending) Rs. 100 per letter. Pledged share release charge (Margin Lending) Rs. 100 per letter. Administrative Charge for Real Estate collateral release in Rs. 500 per instance case of loan prepayment, where separate prepayment charge not taken Administrative Charge for letter issuance to Land revenue Rs. 500 per letter office/ Local Authority/Survey office etc. on customer request other than loan repayment fully 9 STANDARD TARIFF CHARGES (Summary) Administrative charge for Temporary Release of original LOC Letter issuance to Transportation Management Office Certificate for Credit Line PENAL INTEREST Principal Penal Interest rate on Interest Rs. 500 per instance Rs. 500 per letter Rs. 500 per certificate Ranging from 1% p.a. to 3% p.a. based on overdue tenure on overdue amount. Ranging from 1% to 3% p.a. based on overdue tenure on overdue interest / outstanding principal amount. 10 STANDARD TARIFF CHARGES (Summary)
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