EN
EN
NP
 
Description Charges
1.1 MC/NRB Cheque Issuance Rs. 500 per issuance
1.2 Stop payments FREE
1.2.1Cancellation of Cheque issued by the Customer Rs. 300 for single cheque, Rs. 500 for more than one leaf(plus communication charges applicable if any)
1.3Cancellation of Uncollected Cheque Book Rs. 250 per Cheque Book
1.4 Release of Stop Payments Free
1.5 Standing Instruction Rs. 500 per instruction
- Free for call/current transfer
- Free for borrowing customer if it is for loan repayment purpose
1.6 “Good for Payment” certification of Cheque Free
1.7 Cancellation of ‘Good for Payment’ Cheque Rs. 300 per Cheque
1.8 Cheque returned unpaid (due to insufficient balance, stop payment) including over the counter return Rs. 300 per cheque per return or available amount in the account if the balance is less than Rs. 300.
1.9 Issuance of Balance Certificate Free
1.10 Account Closure Free
1.11. Account Statement* a)  Free for the first time.
b)  Rs. 10 per page or minimum Rs. 200 for each time for duplicate statement of same period.
* Postage charge to be taken as per SBL STC Clause No. 4.3 if the account holders opt to collect statement by post.
1.12 Premature Breaking of Fixed Deposit (FD) Normally prematurity Liquidation of FD shall not be allowed. In exceptional case, interest rate of closest lower slab minus 10% of the rate applicable for such lower slab shall be applied.
1.13 Cash Withdrawal against Withdrawal Slip Rs. 100 per withdrawal slip
- Free for those account holders who has not taken cheques
- Free in case of withdrawal where ATM of branch is not functioning or due to technical error on ATM Cards.
1.14 ABBS Transaction Free
1.15 Exchange of Foreign Currency Free
1.16 Account Product change request Rs. 500 to Siddhartha Jeevan Surakshya Saving Account.
Rs. 100 for other saving products.
1.17 Safe Deposit Lockers (SDL)  
1.17.1 Detail of charges and security deposit for SDL shall be as follows:
Type Dimension in inches  Annual Charge Security Deposit
1 5*7 (A) Rs. 2,500 Rs. 10,000 
2 6*8 (B) Rs. 3,500 Rs. 10,000 
3 5*14 (C) Rs. 4,000 Rs.15,000
4 12*8 Rs. 5,500 Rs.15,000 
  8*10 (D)    
5 6*16 (E) Rs. 6,000 Rs.15,000 
6 11*14 (F) Rs. 7,500  Rs. 20,000
7 8*20 (G) Rs. 8,000  Rs. 20,000
8 12*16 (H) Rs. 12,500  Rs. 25,000
9 15*20 (I) Rs. 13,500 Rs. 25,000
Replacement of locker Key Rs. 10,000 including charges to the vendor
Surrender of locker Free
Transaction Instrument Record Retrieval Charges
Within 3 months of transaction Free
After 3 months and up to 6 months Rs.500 per instrument plus amount charged by 3rd Parties
After 6 months and up to 2 years Rs.1,000 per instrument plus amount charged by 3rd Parties
After 2 years Rs.1,500 per instrument plus amount charged by 3rd Parties
Loss of Cheque Books/Cheque Requisition Slip Free if all cheques have been used
Rs. 100 for loss of requisition
*Note: Old unused cheques should be cancellation or marked stopped in CBS unless specifically requested by customer but no additional charges will be applicable for such cancellation or stop payments.
Issuance of Cheque Book for other branch’s account Free:
2.1. INR Draft
Accountholder 0.10% or minimum Rs. 300 (plus communication charges as per SBL STC sec 4)
Non account holder 0.15% or minimum Rs. 500 (plus communication charges as per SBL STC sec 4)
INR Swift
Accountholder 0.20% or minimum Rs. 500 (plus communication charges as per SBL STC sec 4)
Non account holder 0.25% or minimum Rs. 750 (plus communication charges as per SBL STC sec 4)
In case of MT 103 with "our" in field 71a, additional charge of equivalent to INR 250 shall be levied.
2.2. FCY Draft(other than INR)
Accountholder 0.10% or minimum Rs. 600 (plus communication charges as per SBL STC sec 4)
Non account holder 0.15% or minimum Rs. 750 (plus communication charges as per SBL STC sec 4)
In case of Euro additional EUR 30 or equivalent shall be levied.
2.3. FCY Swift (other than INR)
Accountholder 0.20% or minimum Rs. 500 (plus communication charges as per SBL STC sec 4)
Non account holder 0.25% or minimum Rs. 750 (plus communication charges as per SBL STC sec 4)

2.4. In case of MT 103 with “our” in field 71a, additional charge as per currency listed below shall be levied to customer:

In EUR, CAD and CHF, an additional charge of EUR 30 per transaction.

In AUD, additional charge of AUD 45 per transaction.

In GBP, additional charge of GBP 25 per transaction.

In JPY Payments, an additional charge of JPY 3500 per transaction and amount to be hold in the customer account for equivalent to JPY 12,000 for comeback charges as such charges can be claimed till two English Calendar months by the correspondent banks.

In Foreign Currencies except currencies listed above, an additional charge of USD 25 equivalent per transaction.

2.5 Cancellation of DD/MC/NRB Cheque Rs. 500 per instrument plus communication charge and out of pocket expenses if any
2.6 Stop Payment of DD/MC/NRB Cheque Rs. 500 per instrument plus communication charge and out of pocket expenses if any
2.7 Remittance/ Inward  
2.7.1 A/C holders Free
2.7.2 Non A/C holders 1% or minimum Rs. 300.
2.7.3 Transfer to another bank 0.15% or minimum Rs. 750 plus communication charge
2.7.4 Follow up SWIFT on remittances at customers request Rs. 750 per message plus other bank charges if any
2.8 Nostro Cover Refund
Refund of Inward Payment & Nostro Cover USD 50 or equivalent (plus other bank charges if any and (subject to NRB approval wherever applicable) communication charges as per SBL STC sec 4)
2.9 Local Inter Bank Transfers
2.9.1 For BFIs to their own account Free
2.9.2 For BFIs to other BFI’s account Rs. 500 per transfer
2.9.3 For transfer at the other customer’s request  Rs. 500 per transfer
2.9.4 Interbank Payment System (IPS) As per NCHL’s charge
2.9.5 Real Time Gross Settlement (RTGS) As per NCHL’s charge
2.10 Cheque/Draft and Other Instruments Purchase
2.10.1 Cheque/Draft Purchase FCY/INR (subject to limit/approval) 0.75% or minimum Rs.1000 per instrument plus postage charge for 21 days. Highest published interest rate of the Bank shall be applied from day 22 to the date of settlement plus communication charges, if any 
2.10.2 Local Currency Draft/Banker’s Cheque (subject to limit/approval) 0.10% or minimum Rs. 750 per instrument.
2.10.3 Returned Instrument (Bills Purchase) Rs 200 per instrument plus principal, interest and other dues
2.11 Draft/Cheque Collection
2.11.1 Inward Local clearing (all currency) Free
2.11.2 Inward Collection (except NCHL) 0.075% or minimum Rs. 500 (plus out of pocket expenses)
2.11.3 Outward Clearing through ECC- Local Currency As per NCHL’s Charge
2.11.4 Outward Clearing through ECC-Foreign Currency As per NCHL’s charge
2.11.5 Collection Outwards other than local clearing
a) For FCY except INR
b) For LCY including INR
a) 0.075% or minimum USD 15 plus postage/courier charges as per SBL STC sec 4
b) 0.05% or minimum Rs 500 plus postage/courier charges as per SBL STC sec 4
2.11.6 Express Clearing through ECC As per NCHL’s charge
2.12 Advance Payment Certificate Rs. 1,000 per certificate for 1st time
Rs. 1,000 for renewal request
2.13 Any other Certificate not mentioned above Rs. 1,000 per certificate
2.14 Charges related Depository Services Charges as per Depository Participants/SEBON
3.1 Import Documentary Letter of Credit
3.1.1 LC Issuance Commission 0.20% p.q. or min. Rs. 2,000 for corporate and 0.25% p.q. or min. Rs. 2,000 for other than corporate plus communication charges as per SBL STC sec 4.
Adhoc limit: 0.25% p.q. or min. 2,000 for corporate and 0.30% p.q. or min. Rs. 2,000 for other than corporate plus communication charges as per SBL STC sec 4.
3.1.2 L/C Amendment Commission
a) For increase in LC value or extension of validity

b) For decrease in LC value or extension of validity within a
quarter.

c) Amendment other than above a) and b)

a) Charges shall be as per 3.1.1 (plus communication charges as per SBL
STC sec 4).

b) Rs. 1,000 (plus communication charges as per SBL STC sec 4).

c) Rs. 1,000 (plus communication charges as per SBL STC sec 4).

3.1.3 Revolving L/Cs reinstatement Charges shall be as per 3.1.1 (plus communication charges as per SBL STC sec 4).
3.1.4 Acceptance Booking Commission a) 0.25% p.q. or min Rs. 2,500 per booking plus communication charge as per SBL STC sec
3.1.5 Confirmation Charge As agree with the customer
3.1.6 Discrepancy Fees 

a) USD (Discrepancy fee-50 + Comm. Charge -10)
b) GBP (Discrepancy fee-50 + Comm. Charge -10)
c) AUD (Discrepancy fee-50 + Comm. Charge -10)
d) EUR (Discrepancy fee-50 + Comm. Charge -10)
e) CAD (Discrepancy fee-50 + Comm. Charge -10)
f) JPY (Discrepancy fee-5,000 + Comm. Charge -1000)
g) CHF (Discrepancy fee-50 + Comm. Charge -10)
h) SGD (Discrepancy fee-50 + Comm. Charge -10)
i) INR (Discrepancy fee-1500 + Comm. Charge -500)
j) NPR (Discrepancy fee-2500 + Comm. Charge -100)

For the currencies other than above discrepancy fee equivalent to USD 50 plus communication charge equivalent to USD 10 shall be levied.

3.1.7 Document settlement fee Rs. 1,000 for each set of document (plus communication charge as per SBL STC sec 4)
3.1.8 LC Overdrawn Commission 0.50% on overdrawn amount or Rs. 2,000 whichever is higher
3.1.9 L/C Cancellation Charge a) Fully Unutilized- Rs. 2,000 (plus other banks’ charge and communication charge as per SBL STC section 4).
b) Fully Unutilized- Rs. 2,000 (plus other banks’ charge and communication charge as per SBL STC section 4).
c) Partially unutilized:
- For more than 25% of LC value (excluding tolerance amount) – Rs. 1,000 plus other Banks’ charge and communication charge as per SBL STC section 4)
d) For up to 25% of LC value (excluding tolerance amount) – No cancellation charge shall be levied. 
3.2 Export Documentary Letter Of Credit
3.2.1 Advising Commission:
- For LC  to be negotiated with us:
    a) LC Advising Commission
    b) Amendment Advising Commission
- For LC not to be negotiated with us:
    a) LC Advising Commission
    b) Amendment Advising Commission
a) Rs. 2,500 plus communication charges as per SBL STC sec 4.
b) Rs. 1,500 plus communication charges as per SBL STC sec 4.

a) Rs. 6,000 plus communication charges as per SBL STC sec 4.
b) Rs. 3,000 plus communication charges as per SBL STC sec 4.
3.2.2 Confirming Commission (To be confirmed by us) 0.75% per quarter or minimum Rs. 5,000 (plus communication charges as per SBL STC sec 4).       
3.2.3 L/C Transferring Charge    Rs. 2,000 flat (plus communication charges as per SBL STC sec 4) 
3.2.4 Expired LC Holding Charge    Rs. 1,000 per quarter (beyond expiry of 45 days) 
3.2.5 Documentary Purchase
a) under LC issued by Banks
b) under LC issued by Corporate 
a) 0.25% of document value or minimum Rs. 1,000 plus interest from day 1 (plus communication/ courier charges as per SBL STC sec 4)
b) 0. 5% of document value or minimum Rs. 2,000 plus interest from day 1 (plus communication/ courier charges as per SBL STC sec 4)   
3.2.6 Documents sent for collection
 a) under LC issued by Banks
 b) under LC issued by Corporate    

a) 0.125% of document value or minimum Rs. 2,000 plus communication/ courier charges as per SBL STC sec 4)
 b) 0.15% of document value or minimum Rs. 2,000 plus communication/ courier charges as per SBL STC sec 4)
(subject to credit limit approval) 

3.3 Documentary Collection (Not under LC)
3.3.1 Inward Collection
a) Documents Against Payment (DAP)
b) Documents against Acceptance (DAA)
a) 0.25% of the document value or minimum Rs. 3,000 (plus courier / communication charge as per SBL STC section 4)
b) 0.30% per quarter of the document value or minimum Rs. 3,000 per booking (plus courier / communication charge as per SBL STC section 4)
3.3.2 Outward Collection (including CAD & CAA) 0.125% of the document value or minimum Rs. 1500 (plus courier/ communication charges as per SBL STC section 4)
3.4. Guarantee
Guarantee Type With Collateral Without Collateral
  Cash Margin Charge Cash Margin Charge
3.4.1 Bid Bond
 
Less than 5% 0.25% p.q. or Min Rs. 1,000 per issuance. Upto 25% 0.25% p.q. or Min Rs. 1,500
Above 25% & Less than 50% 0.20% p.q. or
Min Rs. 1,500
5% & Above 0.20% p.q. or Min Rs. 1,000 per issuance. Above 50% & Less than 100% 0.15% p.q. or
Min Rs. 1,000 per issuance.
100% 0.125% p.q. or
Min Rs. 1,000 per issuance
3.4.2 Performance
Bond
Less than 5% 0.40% p.q. or Min Rs.1,000 per issuance. Upto 25% 0.40% p.q. or
Min Rs. 1,500 per issuance
Above 25% & Less than 50% 0.375% p.q. or
Min Rs. 1,500 per issuance.
5% & Above 0.35% p.q. or Min
Rs.1,000 per issuance
Above 50% & Less than 100% 0.30% p.q. or
Min Rs. 1,000 per issuance.
100% 0.125% p.q. or
Min Rs. 1,000 per issuance
3.4.3 Performance Bond - Supply Credit Guarantee Less than 5% 0.50% p.q. or Min
Rs. 2,000 per issuance.
Upto 50% 0.60% p.q. or Min Rs. 3,000 per issuance.
5% & Above 0.45% p.q. or Min
Rs. 2,000 per issuance.
Above 50% & Less than 100% 0.40% p.q. or
Min Rs. 2,500 per issuance.
100% 0.125% p.q. or
Min Rs. 2,000 per issuance
3.4.4 Advance Payment Guarantee Less than 5% 0.50% p.q. or Min
Rs. 2,000 per issuance..
Upto 50% 0.50% p.q. or Min Rs. 2,500 per issuance.
Above 50% & up to 75% 0.45% p.q. or Min Rs. 2,500 per issuance.
5% & Above 0.45% p.q. or Min
Rs. 2,000 per issuance.
Above 75% & Less than 100% 0.30% p.q. or Min Rs. 2,000 per issuance.
100% 0.125% p.q. or Min Rs. 2,000
3.4.5 Other Guarantee not covered above Less than 5% 0.50% p.q. or Min Rs. 2,000 per issuance. Upto 50% 0.50% p.q. or Min Rs. 2,500 per issuance.
Above 50% & upto 75% 0.45% p.q. or Min Rs. 2,500 per issuance.
5% & Above 0.45% p.q. or Min Rs. 2,000 per issuance. Above 75% & Less than 100% 0.30% p.q. or Min Rs. 2,000 per issuance
100% 0.125% p.q. or Min Rs. 2,000 per
3.4.6 Counter Guarantee Counter Guarantee Issuance
0.375% p.q. or Min USD 300 p.q. plus commission/charge of other bank and communication charge as per SBL STC Section 4.
Amendments of Counter Guarantee (other than time extension and value increment)
USD 100 or equivalent plus communication charges as per SBL STC Section 4.
Amendment for time extension and value increment
The same rate as fresh issuance
3.4.7 Shipping Indemnity For issuance
0.60% p.q. or Min Rs. 2,000/- plus commission charge as per SBL STC Section 4 and other Bank's Charges
Amendment not affecting value & validity
Rs. 1,000 plus commission charge as per SBL STC Section 4 and other Bank's Charges
Amendment affecting value & validity
The same rate as fresh issuance
3.4.8 Letter of Credit Commitment (LOC) As per commission of performance guarantee.
3.5 Amendment of terms other than value increase and/or validity extension  Rs. 1,500 per amendment
3.6 Amendment for value / validity extension Same as issuance
3.7 Deferred Payment Guarantee 0.4375% p.q. or Min. Rs. 2,000
3.8 Guarantee Claim Handling/Settlement charges Rs. 2,000 plus other related charges
3.9 Expired Guarantee Holding Charge Up to 15 days Nil
Up to 45 Days Rs. 500
Above 45 days Rs. 1,000
3.10 Guarantee Cancellation Rs.1,000 flat
3.11 Advising guarantee to other banks/ Beneficiary Rs. 3,000 flat or USD 50 per event
3.12 Endorsing Guarantee to other banks USD 75 per event
3.13 Bank Guarantee amendments advising charge to other commercial banks Rs. 500 Flat
Cash Margin doesn’t include fixed deposit for the purpose of classification under Commission category
4.1 Communication- SWIFT
4.1.1 Simple Payment messages Rs. 750 per message
4.1.2 Other messages Rs. 500 per message
4.1.3 L/C, GTEE messages Rs. 1,500 per message
4.1.4 Domestic LC Rs. 750 per message
4.2 Courier (For each packet up to 500 gms.)
4.2.1 Nepal Rs. 100
4.2.2 India Rs. 500
4.2.3 Other Countries Rs. 2,000
4.3 Postage
4.3.1 Nepal Rs. 50
4.3.2 India Rs. 100
4.3.3 Other Countries Rs. 200
4.4 Authentication of the 3rd party Swift For Bank-with arrangement –as per arrangement Other-USD 50 or equivalent
5.1 Credit Inquiries from other BFIs Rs. 1,000 per enquiry
5.2 Real Estate Collateral Partial Release and re-mortgage

Property Value up to NPR 100 Million-Rs. 7,000 per release or per release & remortgage

Property Value above NPR 100 Million-Rs. 10,000 per release or per release & remortgage

5.3 Partial release of shares under Lending against Shares Rs. 500/Company or minimum Rs. 2,000
5.4 Temporary release of Land Ownership Registration Certificate Rs. 1,000 per request
5.5 Letter issuance for electricity/water tap & other installation or any other request Rs. 1,000 per request
5.6 Ownership transfer vehicle in the name of customer  
- Private vehicles Rs.1,000 each
- Commercial Vehicles Rs. 1,500 each
  (free for the entity providing refinancing facility to third party as per NRB guidelines)
5.7 Issuance of letter for obtaining duplicate bluebook Rs. 1,000 each
5.8 CICL charges As levied by CICL
5.9 Secured Transaction Registry/Enquiry As levied by Secured Transaction Registry Office
5.10 Amendment in Terms and Condition in offer letter provided to Customer as per their request. Rs. 1,000 per request
5.11 Issuance of Letter Of Intent (LOI) Minimum Rs. 50,000 and as per mutual agreement with customer.
5.12 Issuance of Letter of Commitment (LOC) As per commission of performance guarantee.
5.13 Issuance of Credit Line Rs. 1,000 per issuance
5.14 Education Loan Amendment fee: Loan amendment fee on SBL Education loan of Rs. 2500 per case is applicable for any amendment in course/subject of the student or change of university by the students.
  Processing Fee Renewal Fee
Consortium As per consortium decision As per consortium decision
  For revolving facilities
Corporate 0.35% or min. Rs 25,000 0.15%
  For Non revolving facilities
Corporate 0.50% Nil
Processing fee For SWAP Loan: for Revolving 0.25% and for non-revolving 0.35%
Mid Corporate Processing Fee Renewal Fee
  For revolving facilities
Amount Above Rs. 60 million 0.50%  0.15%
For Non-revolving facilities
0.75%
Processing fee For SWAP Loan: for Revolving 0.25% and for non-revolving 0.50%
SME's: For revolving facilities
  Processing Fee Renewal Fee
Amount up to Rs. 60 million 0.75%  0.15%
  For Non-revolving facilities (new)
Amount up to Rs. 60 million 0.75% Nil
Processing fee For SWAP Loan : 0.50% for both funded and non-funded
Adhoc Loan processing Fee :  
Corporate & Mid Corporate 0.25%
SME & Retail 0.50%
Processing fee for funded loan sanctioned by earmarking existing approved limit: 0.25% flat.
Loan management fee for foreign currency loan :  
-For Short Term Loan 0.75%
-For Long Term Loan 0.75%
For all real -estate loan: Processing Fee Renewal Fee
- Up to Rs. 50 million 0.75% 0.15%
- Above Rs. 50 million 0.75% 0.15%
Deprived Sector Lending (wholesale) Processing Fee Renewal Fee
  0.25% 0.15%
For Retail Loan
Loan Type Processing Fee Renewal Fee
Home Loan 0.75% -
Auto Loan (Private Vehicle) 0.75% -
Auto Loan (Commercial Vehicle) 0.75% -
Education Loan 0.75% -
Siddhartha Mortgage Loan 0.75% -
Hire Purchase Loan (Private) 0.75% -
Hire Purchase Loan (commercial) 0.75% -
Personal Overdraft (POD) 0.75% 0.15%
Professional Loan 0.75% 0.15%
Personal Term Loan
Up to Rs. 100 million 0.75%
Above Rs. 100 million 0.75%
Loan Against Shares
Loan Type Processing Fee Renewal Fee
OverDraft 0.75% 0.15%
Other than Overdraft
- Up to Rs. 50 million 0.75% 0.15%
- Above Rs. 50 million and for corporate 0.50% 0.15%
Loan against FDR or 100% cash Margin (both funded & non funded) Rs. 1,000 for the loan up to Rs. 7.5 million
Rs. 2,500 for the loan above Rs. 7.5 million
Any credit facility by earmarking deposit of call/current/saving account both LCY and FCY: 
Funded Facility: Rs. 2,000 for the loan up to Rs. 7.5 million
                           Rs. 5,000 for the loan above Rs. 7.5 million 
Non Funded Facility: Rs. 1,000 for the loan up to Rs. 7.5 million
                                  Rs. 2,500 for the loan above Rs. 7.5 million
Non fund based credit facilities: Processing fees Renewal Fee
Up to Rs. 10 million 0.25%, or min. Rs.2,000 0.15%
Above Rs. 10 million 0.25%, or min. Rs.5,000 0.15%
Non funded facility – Adhoc limit 0.25%
Non funded facility by earmarking existing approved facility 0.25%
S.N Loan Products Processing fees Renewal Fee Payment Fees Commitment fee
1. Deprived Sector Loan        
a. Siddhartha Saral Krishi Karja (MSKK) N/A N/A N/A N/A
b. Siddhartha Rickshaw Loan (DRLK) 0.75% N/A N/A N/A
c. Siddhartha Low-cost Housing Karja (MLHK) 0.75% N/A N/A N/A
d. Siddhartha Saral Laghu Karja (MSLK) N/A N/A N/A N/A
e. Siddhartha Saral Agri-Equipment Karja (MSEK)
-Up to Rs. 1.5 million
- Above Rs. 1.5 million

N/A
0.75%

N/A
 N/A 

N/A
 N/A

N/A
 N/A
 f.  Siddhartha Sthaniya Hydro Karja (MSHK)   0.75% N/A N/A  N/A 
2. SME Loan        
a. Siddhartha Sajilo Byabasaya Karja (SSBK) 0.75% 0.15% N/A 0.15% of unutilized amount if the loan utilization is less than 60%
3 Retail Micro Loan        
a. Micro Auto Loan (SMVK) 0.75% N/A N/A N/A
b. Micro Home Loan (SMHK) 0.75% N/A N/A N/A
c. Micro Personal Loan (SMPK) 0.75% 0.15% N/A 0.15% of unutilized amount if the loan utilization is less than 60%.
4 Micro Interest Subsidized Loan        
a.  Siddhartha Women Entrepreneurship Loan(SWEK) N/A N/A N/A N/A
b. Siddhartha Foreign- Returned Youth Entrepreneurship Loan (SFYK) N/A N/A N/A N/A
c. Siddhartha Higher and Technical or Professional Education Loan (SVEK) N/A N/A N/A N/A
d. Siddhartha Dalit- Entrepreneurship Development Loan (SDEK) N/A N/A N/A N/A
e. Siddhartha Earthquake Victims' Residence Building Loan (SNDK) N/A N/A N/A N/A
f. Siddhartha Educated-Youth Self-employment Loan (SESK) N/A N/A N/A N/A
g. Siddhartha Commercial Agriculture-livestock Loan (SCAK) N/A N/A N/A N/A
Prepayment Fees/SWAP Fee

- Nil for prepayment of loan having limit up to Rs. 5 million or the amount determined by NRB time to time.

- For Loan above Rs 5 million - Nil if the prepayment is made by the borrower due to the increase in interest rate and /or addition/change in agreed terms and conditions of sanction.

- For Project Loan – Nil in case of prepayment due to change in interest rate and other terms & conditions unilaterally by the Bank.

In other cases prepayment /SWAP fee shall be charged as mentioned below:

For floating and fixed interest rate loan:

i. Prepayment/SWAP within 2 years from the date of disbursement.

- 0.75%

ii. Prepayment/SWAP from 2 years to within 5 years from the date of disbursement.

-0.375%

iii. Prepayment/SWAP after 5 years from the date of disbursement.

- 0.15%

 
Interest on Overdue
Penal interest on Principal Overdue 1. 2% p.a. penal interest in addition to the applicable interest rate shall be charged for overdue principal of loan amount or the expired overdraft, for delayed period.
2. In case of account overdrawn; highest published premium rate plus the prevailing base rate of the Bank shall be levied.
Interest on Overdue Interest Interest rate applicable to the respective loan account
Penal on Overdue Interest Additional 2% p.a.
Late Payment Fee (7 days Grace period shall
be provided)
Flat Rs. 250 for delay payment of principal amount
Flat Rs. 250 for delay payment of interest amount
S.N Heading Fee
  VISA Debit Card  
1 Subscription Fee- Bulk NPR 1,300
2 Subscription Fee- Annual NPR 325
3 Card Unblock Fee NPR 100
4 Destruction of Uncollected ATM cards & PIN (not collected within 3 month) NPR 250
5 Destruction of Re-issue (New) PINs (not collected within 3 month) NPR 100
  Siddhartha Club Card  
1 Subscription Fee- Bulk NPR 4,000
2 Subscription Fee- Annual NPR 1,000
  I-Connect (Internet Banking)  
1 Subscription Fee- Annual
- Individual
- Institution
- NPR 100
- NPR 100
2 Fund transfer Fee-per transaction (SBL account only) 0
3 Password Reset/ User Unblock 0
4 Password Re-issue (New PIN) NPR 50
  Bank smart/SMS Alert  
1 Subscription Fee- Annual NPR 250
2 Fund transfer Fee-per transaction (SBL account only) 0
3 Password Reset/ User Unblock 0
4 Password Re-issue (New PIN) 50
5 Mobile Number change 100
S.N Credit Card
1 Subscription Fee Siddhartha Standard Credit Card  NPR 1,500 (1st Year)
Siddhartha Uno Credit Card NPR 1,750 (1st Year)
2 Credit Review Fee (Annual Fee 2nd Year onwards) Siddhartha Standard Credit Card NPR 750
Siddhartha Uno Credit Card  NPR 1,000
S.N Prepaid Card
1 Subscription fee Prepaid Domestic 2 years NPR 325
Student Prepaid 2 years NPR 100
Medical Prepaid 2 years 0
Predpaid International 2 years NPR 1,000
Siddhratha E-com Card 5 years NPR 500
Transactional Fee
S.N Cash Withdrawal  SBL Network Nepal Domestic International
1 SBL Visa Debit Domestic - NPR 20 NPR 250
2 Club Siddhartha - NPR 20 NPR 175
3 SBL Domestic Prepaid - NPR 20 NPR 250
4 SBL Student Prepaid - NPR 20 NPR 250
5 SBL Prepaid Medical - NPR 20 NPR 250
6 SBL Intl. Prepaid Travel Card - USD 1 USD 5 or 1% of
trxn. amt.
whichever is higher
7 SBL Credit Card NPR 200+2% of trxn. amount NPR 200+2% of trxn. amount NPR 200+2% of trxn. amount
Balance Inquiry
1 SBL Visa Debit Domestic - NPR 20 NPR 50
2 Club Siddhartha - NPR 20 NPR 50
3 SBL Domestic Prepaid - NPR 20 NPR 50
4 SBL Student Prepaid - NPR 20 NPR 50
5 SBL Prepaid Medical - NPR 20 NPR 50
6 SBL Intl. Prepaid Travel Card - USD 0.5 USD 1
7 SBL Credit Card - NPR 50 NPR 50
Reload Fee
1 SBL Intl. Prepaid Travel Card NPR 500
2 SBL Domestic Prepaid Card Free
3 Siddhartha E-com Card NPR 250
Ecommerce Fee
3 Ecommerce Activation Domestic Card 0
4 Ecommerce Activation International Card 0
5 Online fee processing NPR 500
Card Replacement fee
1 SBL Visa Debit Domestic NPR 325
2 Club Siddhartha NPR 325
3 SBL Domestic Prepaid NPR 325
4 SBL Student Prepaid NPR 100
5 SBL Prepaid Medical NPR 325
6 SBL Intl. Prepaid Travel Card USD 5
7 SBL Credit Card NPR 500
PIN Reissue fee (New PIN)
1 SBL Visa Debit Domestic NPR 100
2 Club Siddhartha NPR 100
3 SBL Domestic Prepaid NPR 100
4 SBL Student Prepaid NPR 100
5 SBL Prepaid Medical NPR 100
6 SBL Intl. Prepaid Travel Card USD 1
7 SBL Credit Card NPR 100
8 ATM Access Fee NPR 500
9 EMI Loan Processing fee- Credit Card NPR 1,000 or 1% of loan whichever is higher
10 Late payment fee- Credit Card NPR 300 or 1% of overdue amount or max. NPR 2,000
11 Over Limit Fee -Credit Card NPR 500
12 Limit Enhancement Fee- Credit Card NPR 750
13 POS Cash Advance Fee NPR 500 or 5% of Trxn. Amt (whichever is higher)