Commission & Charges
NEPAL CREDIT AND COMMERCE BANK LTD.
Commission & Charges
Commission & Charges
Nepal Credit & Commerce Bank Ltd
Commission Rate & Service Charges
S.No.
a.
b.
c.
d.
e.
f.
g.
h.
i.
j.
2.2
a.
b.
Services
1. Account Services
Good for Payment
Cancelation**
Cheque Return for lack of funds
Stop Payment
Standing Order Instructions/Manual
Min.
Charges if
any
Charge
* Rs. 500/** Rs. 250/Rs. 500/Rs. 250/*Rs. 100/-
Certificate of Balance – Regular Purpose
Certificate of Balance – for special Purpose
Loss of Cheque Book
Account Closure
Late Cheque Book Collection Charge (After 90
days)**
Counter Cheque Leaf**
2. NCHL-ECC Transaction Fees
Nil
*Rs. 500/-
I Amount Based Presentment Fees (Below
200,000) Regular
Ii Amount Based Presentment Fees (Above
200,000) Regular
Iii Presentment Fees (Above Equivalent NPR
200,000) Regular
Iv Presentment Fees Express
V High Value Presentment Fee (Above NPR 10
Crore up to NPR 20 Crore) Express
vi High Value Presentment Fee (Above USD 1
Million to USD 2 Million) Express
Cheque/Bills Purchases
NPR cheques drawn on Banks within Local
clearing
NPR cheques drawn on Banks outside Local
clearing
NPR
NIL
NPR
Rs. 30
USD
Rs. 30
NPR
NPR
Rs. 100
Rs. 100
USD
Rs. 100
Rs. 250/-
0.125% (due period
for 3 days)
0.35% plus other
Bank Charges
(actual) due period
7 days plus
communication
0.60% plus other
Bank Charges
(actual) due period
15 days plus
communication
Highest published
c.
Foreign Draft/Cheque Other Currency* (for each
set instrument)
d.
Delay in realization of Bills/Cheques stated in 2.2
Nil
Rs. 1000/Rs. 250/Nil
**Rs.200/**Rs.100/-
Rs. 250/-
Rs.500/-
Commission & Charges
abc
2.3
a.
b.
Interest Rate from
due date. (For
waiver obtain
approval from the
approving authority)
Cheque Return Charges
Collection
Purchases
Rs. 100/Highest published
rate + 2% penal
charge from the
date of purchase till
the date of recovery
plus other bank
charge
3. Remittances
Inward Remittance
i. FCY Notes Encashment
ii. Inward Remittance by TT favouring
a. Customer
b. Non Customer payment over the counter against
Personal ID
iii. Inward Remittance by TT favouring customer
of another bank
a. In Rupees
b. In FCY
iv. Refund of inward Telex Remittance
3.1
3.2 Outward Remittance
i. Foreign Draft Issuance
INR
FCY
Free
No Charge
Rs. 500/-
Rs. 500/US Dollar 10
USD 50/- or
Equivalent plus
Swift Charge
Rs. 100/Rs. 250/-
0.10%
0.10%
ii. Cancellation of draft
Rs. 250/- plus swift
charge
iii. Issuance of NRB Cheque*
*Rs. 500/-
iv.
3.3
i.
ii.
iii.
iv.
i.
Issuance of Pay Order other than vendor Pmt
ABBS Charge/Fund Transfers
Customer-Saving a/c Category*
Customer-Current a/c Category*
For Credit to Loan a/c for settlement of loan
For Financial institution to financial Institution*
Branch Advice/Fax Transfers for not using
ABBS System
Customer
Rs. 250/-
Rs. 250/-
Non Customer
Rs. 500/-
Nil
Nil
Nil
Nil
0.05% plus courier
Charge
0.10% plus courier
Commission & Charges
charge
No Charge
For credit of loan/account
ii. Telegraphic Transfer
a. India
Rs. 250/-
b. Others
Rs. 250/-
4.
4.1
a.
b.
International Banking
Documentary Bills for collection
Import Bill Coll. (Handling Charges)
Export Bill Collection
c. Credit information for DC
d. Authentication of third party test
4.2 Documentary Credit (import)
a. DC issuance Commission
i. NRs. Sight DC’s
INR Sight DC
Corporate Houses
Trading & Others
ii. FCY Sight DC’s
Corporate Houses
Trading & Others
b. Usance Commission (in addition to normal DC)
c. Back to Back Sight DC (in addition to normal DC)
Rs. 1500/-
0.10% plus swift
charge
0.10% plus swift
charge
Rs. 750/0.15% of the bill
plus swift charge
Actual
Rs. 1500/-
0.25%- 0.375% per
quarter of Minimum
Rs. 1000/- per
quarter + swift
charge
0.15% per quarter
or Minimum Rs.
1000/- per quarter +
swift charge
0.20%-0.35% per
quarter or Minimum
Rs. 1000/- per
quarter + swift
charge
0.125% per quarter
or Minimum Rs.
1000/- per quarter +
swift charge
0.15%-0.20% per
quarter or Minimum
Rs. 1000/- per
quarter + swift
charge
Normal DC charge
+ 0.10% per month
for usance period
Normal DC charge
+ 0.125% per
quarter or minimum
Rs. 1000/-
Commission & Charges
d. DC amendment commission
e. DC cancellation
Unutilized
Partially Unutilized
f. Import Document Handling Charge
g. Discrepancy Commission (for each set of
documents)
Rs. 500/- flat plus
swift charge for
amendment of
other than time and
amount (for time &
amount LC opening
charge shall be
applicable)
Rs. 1000/- flat plus
swift charge
Rs. 500/- flat plus
swift charge
Rs. 750/- per set of
document
Local
For NRs. – Rs.
2000/(discrepancy) +
Rs. 50
(communication) =
Total Rs. 2050/India
For INR – INR
1500/(discrepancy) +
INR. 500
(communication) =
Total Rs. 2000/Other Countries
For US$ – USD
50/- (discrepancy)
+ Equivalent of
US$ 25 at our
counter cross rate
(communication) =
Total Equivalent of
US$ 75/For other FCY –
Equivalent of USD
50/- at our counter
cross rate
(Discrepancy) +
Equivalent of USD
25/- at our counter
cross rate
(communication)
= Total Equivalent
of USD 75/- at our
Commission & Charges
counter cross rate
4.3
a.
b.
c.
d.
e.
Documentary Credit (Export)
Credit Advising Charge
Amendment advising charge
L/C transfer charge
L/C confirmation charge
Sight Export Bill negotiation commission (clean
documents)
Rs. 2500/Rs. 1000/-
Rs. 1500/Rs. 1000/Rs. 2000/0.25% per quarter
0.50% on the
document value
(due period 15
days)
f. Sight Export Bill handling commission (Discrepant
documents)
g. Delay in Realization of negotiated document
Rs. 1500/-
h. Usance export bills negotiation
i. Issuance of export payment certificate
Rs. 2500/-
Highest interest
rate on FCY or LCY
Loan availing rate
Rs. 500 per
certificate
Rs. 500/Rs. 500
Rs. 500/Rs. 500/Rs. 1000/USD 50
Rs. 500/Rs. 500/-
0.20% per quarter
0.26% per quarter
0.30% per quarter
0.38% per quarter
0.20% per quarter
0.20% per quarter
0.22% per quarter
0.30% per quarter
Rs. 500/Rs. 500
Rs. 500/Rs. 500/Rs. 1000/USD 50
Rs. 500/Rs. 500/-
0.23% per quarter
0.32% per quarter
0.36% per quarter
0.45% per quarter
0.23% per quarter
0.23% per quarter
0.23% per quarter
0.32% per quarter
Rs. 500/Rs. 500
Rs. 500/Rs. 500/Rs. 1000/USD 50
Rs. 500/Rs. 500/-
0.25% per quarter
0.35% per quarter
0.40% per quarter
0.50% per quarter
0.25% per quarter
0.25% per quarter
0.30% per quarter
0.40% per quarter
1% at the time of
limit establishment
Up to 0.75%
5. Issuance of Bank Guarantee
With 10% Cash Margin
a. Bid Bond
b. Performance Bond
c. Advance payment
d. Financial Guarantee
e. Counter Gtee@ req from India
f. Counter Gtee @ req other than India
g. Customs Guarantee for Government
h. Other Guarantees
With 5% Cash Margin
a. Bid Bond
b. Performance Bond
c. Advance payment
d. Financial Guarantee
e. Counter Gtee@ req from India
f. Counter Gtee @ req other than India
g. Customs Guarantee for Government
h. Other Guarantees
Nil Cash margin
a. Bid Bond
b. Performance Bond
c. Advance payment
d. Financial Guarantee
e. Counter Gtee@ req from India
f. Counter Gtee @ req other than India
g. Customs Guarantee for Government
h. Other Guarantees
6. Service charge of fresh loans
7. Renewal of Loans – service charge
Commission & Charges
8.
a.
b.
9.
a.
** Ad-hoc Limit charges
Up to 3 months
Above 3 months
TR Limit Disbursement Charges
Ad hoc
Limit
0.50%
0.50% to 1.00%
0.50%
As per Loan
Category
Highest Published
Rate
10. Force Loan
11. Commitment Charge
i. Revolving Loan
0.50% if utilization
is below 50% of
Limit
1% of utilized limit
On actual basis
ii. Term Loan & other loan
12. CIC inquiry & other CIC related charge
13. Courier charge
India
Other Foreign countries
Local Postal charge
14. Swift
L/C opening
Amendment and others
15. Locker Rental Charges
a. Small A (125*175*492 mm)
b. Small B (125*175*492 mm)
c. Medium (159*423*492 mm)
d. Large (321*423*492 mm)
e. Extra Large (321*210*492 mm)
Rs. 400/Rs. 1500/Per consignment
Rs. 50/Rs. 2000/Rs. 500/Rs 1400/
Per
Annum
Rs 1700/Per Annum
Rs 3000/per annum
Rs 4000/Per Annum
Rs 5000/Per Annum
Deposit Rs 15,000/-
Deposit Rs 20,000/Deposit Rs 30,000/Deposit Rs 40,000/Deposit Rs 50,000/-
16. Innovative Product Rates **
a.
i.
ii.
iii.
iv.
v.
vi.
vii.
b.
NCC ATM/Debit Card
First Issuance Charge
Renewal
Supplementary Card
Card Replacement
Issue of Re-Pin
Card Blocking
Uncollected Free Issued Cards (After Six Months)
Transaction Charges Applicable To NCC VISA
Debit Card Used at ATM for Cash with drawl
per Transaction
Nil
Rs. 200/Rs. 200/Rs. 200/Rs. 100/Rs. 50/Rs. 200/-
Commission & Charges
i.
ii.
iii.
iv.
v.
b.
i.
ii.
iii.
iv.
v.
At NCC Bank’s ATMs
At other NIBL/NIBL VISA Member Bank’s ATMs
At other Bank’s ATMs under NPN
At other Bank’s ATMs except NIBL/NIBL VISA
Member Bank’s/ NPN ATMs
In India
Transaction Charges Applicable To NCC VISA
Debit Card Used at ATM for Balance Enquiry
per Transaction
At NCC Bank’s ATMs
At other NIBL/NIBL VISA Member Bank’s ATMs
At other Bank’s ATMs under NPN
At other Bank’s ATMs except NIBL/NIBL VISA
Member Bank’s/ NPN ATMs
In India
NCC Travel Dollar card & NCC Int’l Debit Card
Joining/Issuance Fee
Annual Fee(Only for NCC Int’l Debit Card)
PIN Regeneration Charge
Replacement Fee
Re-new/Reissue Fee
Reload Fee
Transaction Charges Applicable to NCC Travel
Dollar card & NCC Int’l Debit Card Used at
ATM for Cash with drawl per Transaction
At NCC Bank’s ATMs
At other NIBL/NIBL VISA Member Bank’s ATMs
At other Bank’s ATMs under NPN
At other Bank’s ATMs except NIBL/NIBL VISA
Member Bank’s/NPN ATMs
At other Bank’s ATMs
Transaction Charges Applicable to NCC Travel
Dollar card & NCC Int’l Debit Card Used at
ATM for Balance Enquiry per Transaction
At NCC Bank’s ATMs
At other NIBL/NIBL VISA Member Bank’s ATMs
At other Bank’s ATMs under NPN
At other Bank’s ATMs except NIBL/NIBL VISA
Member Bank’s/NPN ATMs
At other Bank’s ATMs
b.
i.
ii.
iii.
NCC Internet Banking Services
Balance Enquiry
Fund Transfer Transactions (Annually)
Issue of New-Passwords
Nil
Rs. 20
Rs. 20
Rs. 50
Rs. 250
Nil
Rs. 5
Rs. 5
Rs. 50
Rs. 50
Rs 1000
USD 10
USD 2
USD 10
USD 10
NPR 500
NIL
USD 0.3
USD0.3
USD 5
USD 5
NIL
USD 0.06
USD 0.06
USD 0.75
USD 0.75
Nil
Rs. 500/Rs. 50/-
Commission & Charges
c. NCC Mobile Banking Services
i. SMS alert from Bank to Customer
ii. First subscription fee including SMS alert for all
account
iii. Subsequent annual renewal fee including SMS
alert for all account
Fee for Inter Bank Fund Transfer(Via Mobile
Making Sevices)
Transaction Range
Rs.100 to Rs 1,000
Rs 1,001 to Rs 10,000
Credit Card Bill Payment (Via Mobile Making
Sevices)
Transaction Range
Rs 100 - Rs 1,000
Rs 1,001 - Rs 10,000
Rs 10,001 - Rs 30,000
Rs 30,001 and 100,000
Note
* Amended
** Additional
Nil
Nil
Rs. 200
Rs 10
Rs 20
Rs 15
Rs 25
Rs 35
Rs 60