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Description Charges
1.1 MC/NRB Cheque Issuance Rs. 500 per issuance
1.2 Stop payments of Cheque issued by the Customer FREE
1.2.1Cancellation of Cheque  Rs. 300 for single cheque, Rs. 500 for more than one leaf(plus communication charges applicable if any)
1.3 Cancellation of Uncollected Cheque Book (If not collected within 3 months of printing) 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. 500 per Cheque
1.8 Cheque returned unpaid (due to insufficient balance, stop payment) including over the counter return Rs. 500 per cheque per return or available amount in the account if the balance is less than Rs. 500.
(Branches should maintain the photocopy of such cheque for documentay evidence)
1.9 Issuance of Balance Certificate

a. Free for one certificate for a period.
b. Rs. 500 per certificate for multiple certificate issuance within the same period.
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 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.
1.13 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
1.16 Account Product Change Request Rs. 500 or as guided by product paper
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. 3,000 Rs. 10,000 
2 6*8 (B) Rs. 4,000 Rs. 10,000 
3 5*14 (C) Rs. 4,500 Rs.15,000
4 12*8  8*10 (D) Rs. 5,500 Rs.15,000 
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
The security deposit is refundable at the time of surrender of the SDL and the key. SBL staff shall not require to maintain the security deposit and shall be privileged with 50% discount in SDL annual charges.
1.17.2 Replacement of locker Key Rs. 10,000 including charges to the vendor
1.17.3 Surrender of locker* Rs. 2,500
*If new locker rented after surrender of existing locker then annual charges collected shall be adjusted on Proportionated Basis.
1.18 Transaction Instrument Record Retrieval Charges
1.18.1 Within 3 months of transaction Free
1.18.2 After 3 months and up to 6 months Rs.500 per instrument plus amount charged by 3rd Parties
1.18.3 After 6 months and up to 2 years Rs.1,000 per instrument plus amount charged by 3rd Parties
1.18.4 After 2 years Rs.1,500 per instrument plus amount charged by 3rd Parties
1.19 Cheque Requisition Slip Loss Charge* Free if all cheques are used
Rs. 100 for loss of requisition
*Note: Old unused cheques should be cancelled or marked stopped in CBS unless specifically requested by customer but no additional charges will be applicable for such cancellation or stopped payments.
1.20 Issuance of Cheque Book for other Branch’s Account Free
1.26 ASBA/CASBA Fee Free
1.27 Charges Related to Depository Services Charges as per Depository Participants/SEBON
1.28 Any other Certificate Not Mentioned Above (Within The Preview of Bank's Policy) Rs. 500 per certificate
1.29 Branchless Banking Card for BLB customers  Rs. 100 per BLB on each issuance
2.1. INR Draft
Account Holder 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)
2.2. INR Swift
Account Holder 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.
2.3. FCY Draft(other than INR)
Account Holder 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.
2.4. FCY Swift (other than INR)
Account Holder 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 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 30 per transaction.

In JPY Payments, an additional charge of JPY 7,500 per transaction.

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 0.50% or minimum Rs. 500.
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 (subject to NRB approval wherever applicable) USD 50 or equivalent (plus other bank charges if any and 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 Draft and Other Instruments Purchase
2.10.1 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) 0.10% or minimum USD 25 plus postage/courier charges as per SBL STC sec 4
b) 0.10% or minimum Rs 500 for LCY and Rs 1,000 for INR 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 within the preview of Bank's Policy Rs. 500 per certificate
3.1 Import Documentary Letter of Credit

3.1.1 LC Issuance Commission

 Up to 6 Months Above 6 months

- For Trading: 0.25% p.q. or min Rs. 2,000

- For Industry: 0.20% p.q. or min Rs. 1,500

- For Trading: 0.35% p.q. or min Rs. 2,000

-For Industry: 0.25% p.q. or min Rs. 2,000
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 For Trading and Industries: 0.40% p.q. to 0.60% p.q. or minimum Rs. 2,500 per booking 
3.1.5 Confirmation Charge As agree with the customer
3.1.6 Discrepancy Fees 

a) USD (Discrepancy fee-75 + Comm. Charge -10)
b) GBP (Discrepancy fee-75 + Comm. Charge -10)
c) AUD (Discrepancy fee-75 + Comm. Charge -10)
d) EUR (Discrepancy fee-75 + Comm. Charge -10)
e) CAD (Discrepancy fee-75 + Comm. Charge -10)
f) JPY (Discrepancy fee-5,000 + Comm. Charge -1000)
g) CHF (Discrepancy fee-75 + Comm. Charge -10)
h) SGD (Discrepancy fee-75 + Comm. Charge -10)
i) INR (Discrepancy fee-2,500 + Comm. Charge -500)
j) NPR (Discrepancy fee-3,500 + Comm. Charge -100)

For the currencies other than above discrepancy fee equivalent to USD 75 plus communication charge equivalent to USD 10 shall be levied.
3.1.7 Document settlement fee Rs. 1,500 for each set of document (plus communication charge as per SBL STC sec 4)
3.1.8 Discrepant documents held for more than 30 days and settlement request received Rs. 1,000 each doc settlement (additional)
3.1.9 LC/DAP/DAA documents returned unpaid/unaccepted Rs. 1,000 per document plus actual courier cost
3.1.10 LC Overdrawn Commission 0.50% on overdrawn amount or Rs. 2,000 whichever is higher
3.1.11 L/C Cancellation Charge a) Fully Unutilized- Rs. 2,000 (plus other banks’ charge and communication charge as per SBL STC section 4).
b) 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)
- 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. 3,000 plus communication charges as per SBL STC sec 4.
b) Rs. 2,000 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   

- Holding charge of Rs. 1,500 till 15 days from the date of expiry.
- For beyond 15 days: Holding charge plus L/C issuance commission shall be levied from the date of expiry till cancellation date. 

3.2.5 Documentary Purchase

a) Under LC issued by Banks

b) Under LC issued by other than BFIs 


a) Up to 3 months 1% per month and after 3 months applicable interest rate shall be applied (plus communication/courier charges as per SBL STC sec 4).

b) 1.5% per month for 3 months and after that applicable interest rate shall be applied (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 other than BFIs    


a) 0.15% of document value or minimum Rs. 300 plus communication/ courier charges as per SBL STC sec 4)

 b) 0.25% of document value or minimum Rs. 5,000 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) 0.125% of the document value or minimum Rs. 1500 (plus courier/ communication charges as per SBL STC section 4)
3.4 Issuance of Multiple Bi. Bi. Ni under single settlement request Rs. 1,000 for each additional Bi. Bi. Ni issuance
3.5 Correspondence made to regulatory bodies for approval at request of applicant Rs. 2,000 per correspondence
3.6 Correspondence made to beneficiary's bank at request of applicant Rs. 1,000 plus commmunication charge
3.7 INR DAP/DAA Intimation Charge Rs 1,000
3.8 Business Credit Information of Foreign Importers and Exporters/Rating Agencies Actual cost plus Rs. 1,000 plus SWIFT Charge
3.9 Document return handling charge (per doc.) Up to Rs. 10 million - Rs 1,000 and above Rs 10 million - Rs 3,000
3.10 LC Document Handling Charge Rs. 500 for each document set for Local LC, Rs. 1,000 for each document set for FCY/INR LC
3.11 LC settlement charge by booking force loan/BLC Rs. 5,000 flat
 
3.12 Guarantees:
Guarantee Type Cash Margin up to 25% Cash Margin above 25%
3.12.1 Bid Bond 0.25% p.q. or Min. Rs. 1,500 per issuance. 0.15% p.q. or Min. Rs. 1,000 per issuance.
3.12.2 Performance Bond 0.375% p.q. or Min. Rs.1,500 per issuance. 0.25% p.q. or Min. Rs. 1,500 per issuance
3.12.3 Performance Bond - Supply Credit Guarantee 0.50% p.q. or Min. Rs. 3,000 per issuance. 0.40% p.q. or Min. Rs. 2,500 per issuance.
3.12.4 Advance Payment Guarantee 0.65% p.q. or Min. Rs. 2,500 per issuance. 0.50% p.q. or Min Rs. 2,000 per issuance.
3.12.5 Other Guarantee not covered above 0.65% p.q. or Min. Rs. 2,500 per issuance. 0.50% p.q. or Min Rs. 2,000 per issuance.
3.12.6 Court Guarantee 0.75% p.q. or Min. Rs. 3,000 0.625% p.q. or Min. Rs. 3,000
3.12.7 Guarantee Against Counter Guarantee Counter Guarantee Issuance
0.50% p.q. to 0.75% 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
3.12.8 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
3.13 Credit Commitment Letter (LOCC) Up to 1 year Above 1 year
0.375% p.q. or min. Rs. 10,000 whichever is higher 0.50% p.q. or min. Rs. 10,000 whichever is higher
3.14 Amendment of terms other than value increase and/or validity extension  Rs. 1,500 per amendment
3.15 Amendment for value / validity extension Same as issuance
3.16 Guarantee Claim Handling/Settlement charges Rs. 2,000 plus other related charges
3.17 Expired Guarantee Holding Charge Up to 7 days Nil
Above 7 days Issuance Charge shall be applied.
3.18 Guarantee Cancellation before Expiry Rs.1,000 flat
3.19 Advising guarantee to other Banks/ Beneficiary Rs. 3,000 flat or USD 50 per event
3.20 Endorsing Guarantee to other Banks USD 75 per event
3.21 Bank Guarantee amendments advising charge to other commercial banks Rs. 500 Flat
3.22 Duplicate Guarantee Re-issuance Charge Rs. 1,500 each issuance
3.23 Guarantee Invocation Charge Rs 5,000
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 gm.)
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 and Rs. 2,000 for SWAP
5.2 Real Estate Collateral Partial Release and/or re-mortgage (other than full settlement of loan) 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 handover of original 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 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. 1,500 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/or as per mutual agreement with customer.
5.12 Issuance of Credit Line Rs. 1,000 per issuance
5.13 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.
5.14 No objection Letter Charge Rs. 2,500 per letter
5.15 Replacement of Pledge Shares (Margin Lending) Rs. 1,000 per replacement
5.16 Blue print/trace collection fee Rs. 500
5.17 Other Miscellaneous letter issued on Customer request Rs. 500
5.18 Mortgaged excution charge Rs 500 per visit
5.19 Insurance policy renewal processing fee if not renewd by customer Rs 500
6.1 Processing Fee & Renewal Fee 
S.N. Loan Type Processing Fee Renewal Fee
1 Consortium Financing As per consortium decision
2 Corporate Loan  
  Non Revolving 0.50% 0.15%
  Revolving 0.35%
3 Project Financing 0.75%
4 MID Corporate 0.60%
5 Medium Enterprises 0.75%
6 Small Enterprises 0.75%
7 Micro Enterprises 0.75%
8 Deprived Sector Lending (wholesale) 0.35%
For SWAP loan as well above mention fees shall be applicable for all categories.
Non fund based credit facilities: Processing Fee Renewal Fee
Up to NPR 10 million 0.25% or min. NPR 2,500 0.15%
Above NPR 10 million 0.25% 0.15%
Non funded facility - One off limit 0.25%
Earmarking Case Processing Fee

Funded/Non Funded facility by earmarking existing approved

facility of the borrower/group

 0.25%

Note: Incase the fund base facility is sanctioned within non-fund base facility the processing fee of funded limit shall be applied first and remaining processing fees shall be collect for non-funded limit. For example, if the IMLN limit of NPR 9 million has been sanctioned with in L/c limit of NPR 10 million, processing fee for NPR 9 million of IMLN limit shall be obtained first and for remaining NPR 1 million, processing fee of non-fund base facility shall be applied.
Loan processing fee under directed lending category (Agriculture & Renewal Energy) for SWAP Loan:
Loan Category Processing Fee
For Corporate & Mid Corporate 0.25%

Note:

1. Corporate: Loan (Borrower Wise Limit) above NPR 250 million.

2. Mid Corporate: Loan (Borrower Wise Limit) above NPR 100 million to NPR 250 million.

3. SME Loan : Borrower Wise Limit up to NPR 100 million.
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% -
Hire Purchase Loan (commercial) 0.75% -
Personal Overdraft (POD) 0.75% 0.15%
Personal Term Loan 0.75% -
Professional Loan 0.75% 0.15%
Loan Against Shares 0.75% 0.15%
Personal Term Loan within POD 0.25% -
For SWAP loan as well above mention fees shall be applicable for all categories.
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
Loan against FDR (FDR other than borrower)  NPR 1,000 for the loan up to NPR 7.5 million
NPR 2,500 for the loan above NPR 7.5 million

 

 

Loan Products

S.N Loan Products Processing Fee Renewal Fee Prepayment Fee Commitment fee
1. Deprived Sector Loan
a. Siddhartha Saral Krishi Karja  0.75% 0.15% N/A 0.15% of unutilized amount if the loan uitilization is less than 60%.
b. Siddhartha Low-cost Housing Karja  0.75% N/A N/A N/A
c. Siddhartha Saral Laghu Karja  0.75% 0.15% N/A 0.15% of unutilized amount if the loan utilization is less than 60%.
d.  Siddhartha Sthaniya Hydro Karja    0.75% N/A N/A  N/A 
e. Siddhartha Micro Commercial Vehicle Loan 0.75% N/A N/A N/A
f. Siddhartha Collateral -Free Laghu Karja 0.75% N/A N/A N/A
2. Micro Enterprise Loan
a. Siddhartha Micro Enterprises Loan 0.75% 0.15% N/A 0.15% of unutilized amount if the loan utilization is less than 60%
3 Retail Micro Loan
a. Siddhartha Micro Personal Vehicle Loan 0.75% N/A N/A N/A
b. Siddhartha Micro Home Loan  0.75% N/A N/A N/A
c. Siddhartha Micro Personal Loan 0.75% 0.15% N/A 0.15% of unutilized amount if the loan utilization is less than 60%.
d. Siddhartha Loan Against SSRD N/A N/A N/A N/A
4 Micro Interest Subsidized Loan
a.  Siddhartha Women Entrepreneurship Loan N/A N/A N/A N/A
b. Siddhartha Foreign- Returned Youth Entrepreneurship Loan N/A N/A N/A N/A
c. Siddhartha Higher and Technical or Professional Education Loan  N/A N/A N/A N/A
d. Siddhartha Dalit- Entrepreneurship Development Loan N/A N/A N/A N/A
e. Siddhartha Earthquake Victims' Residence Building Loan  N/A N/A N/A N/A
f. Siddhartha Educated-Youth Self-employment Loan  N/A N/A N/A N/A
g. Siddhartha Commercial Agriculture-livestock Loan  N/A N/A N/A N/A
h. Siddhartha Vocational Training Loan N/A N/A N/A N/A
i. Siddhartha Youth Self-Employment Loan N/A N/A N/A N/A
6.2 Commitment Fee (Unutilized Limit)

a. In case of revolving credit facility:
-0.15% for all categories
   (Commitment fees shall be levied on unutilized portion of approved limit if average utilization of the approved limit remains below 60%.)

b. For Term Loan:
- 0.15% for all categories
  (Commitment fees shall be levied (one time only) on unutilized portion of approved term loan limit if utilization of the term loan limit is below 80% of approved limit)

c. Non funded facility:
   Commitment fee of 0.15% to be levied on non-fund based credit facilities for all categories on the unutilized portion if the limit is uitlized below 50% of the approved limit.

  
6.3 Prepayment Fees/SWAP Fee
  • Nil for Loan having limit up to NPR 5 million or the amount determined by NPR time to time.
  • For Loan above NPR 5 million - Nil if the pre payment is made by the borrower due to the increase in the interest rate and / or addition / change in agreed terms and conditions of sanction.
  • For Project Loan- Nil incase of change in interest and other terms and conditions unilaterally by the Bank.

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

Prepayment /SWAP fee shall be charged as mentioned below:

- 0.75% = Prepayment/SWAP within 2 years from the date of disbursement.

- 0.375% =  Prepayment/SWAP from 2 years to within 5 years from the date of disbursement.

- 0.15% = Prepayment/SWAP after 5 years from the date of disbursement.

 

 


7.1 Late Payment Fee

(7 days grace period shall be provided)
  • Nil

 

8.1 Fee Related with Ancillary product
S.N Heading Fee
8.1.1 VISA Debit Card
a. Subscription Fee- Bulk NPR 1,600
b. Subscription Fee- Annual NPR 400
c. Card Unblock Fee NPR 100
d. Destruction of Uncollected ATM cards (not collected within 3 month) NPR 250
8.1.2 Siddhartha Club Card
a. Subscription Fee- Bulk NPR 4,000
b. Subscription Fee- Annual NPR 1,000
8.1.3 I-Connect (Internet Banking)
a. Subscription Fee- Annual
- Individual
- Institution		 - NPR 100
- NPR 100
b. Fund transfer Fee-per transaction (SBL account only) 0
c. Password Reset/ User Unblock 0
d. Password Re-issue (New PIN) NPR 50
8.1.4 BankSmart/SMS Alert
a. Subscription Fee- Annual NPR 300
b. Fund transfer Fee-per transaction (SBL account only) 0
c. Password Reset/ User Unblock 0
d. Password Re-issue (New PIN) 50
e. Mobile Number change 100
8.1.5 Credit Card
a. Joining Fee Credit Card Domestic NPR 1,500 (1st Year)
Uno Credit Card Domestic  NPR 1,750 (1st Year)
b. Annual Fee Credit Card Domestic (2nd year onwards) NPR 750
Uno Credit Card Domestic (2nd year onwards) NPR 1,000
8.1.6 Prepaid Card
a. 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
8.1.7 Transactional Fee
S.N Cash Withdrawal  SBL Network Visa Network
Nepal Domestic International
a. SBL Visa Debit Domestic - NPR 20 NPR 250
b. Club Siddhartha - NPR 20 NPR 250
c. SBL Domestic Prepaid - NPR 20 NPR 250
d. SBL Student Prepaid - NPR 20 NPR 250
e. SBL Prepaid Medical - NPR 20 NPR 250
f. SBL Intl. Prepaid Travel Card - USD 1 USD 5 or 1% of
trxn. amt.
whichever is higher
g. SBL Credit Card NPR 200+2% of trxn. amount NPR 200+2% of trxn. amount NPR 200+2% of trxn. amount
8.1.8 Balance Inquiry
S.N Balance Inquiry SBL Network Visa Network
Nepal Domestic International
a. SBL Visa Debit Domestic - NPR 20 NPR 50
b. Club Siddhartha - NPR 20 NPR 50
c. SBL Domestic Prepaid - NPR 20 NPR 50
d. SBL Student Prepaid - NPR 20 NPR 50
e. SBL Prepaid Medical - NPR 20 NPR 50
f. SBL Intl. Prepaid Travel Card - USD 0.5 USD 1
g. SBL Credit Card - NPR 50 NPR 50
8.1.9 Reload Fee
a. SBL Intl. Prepaid Travel Card NPR 500
b. SBL Domestic Prepaid Card Free
c. Ecommerce Fee:  
d.  Ecommerce Activation Domestic Card 0
e. Ecommerce Activation International Card 0
f. Online fee processing NPR 500
8.1.10 Card Replacement fee
a. SBL Visa Debit Domestic NPR 400
b. Club Siddhartha NPR 400
c. SBL Domestic Prepaid NPR 400
d. SBL Student Prepaid NPR 100
e. SBL Prepaid Medical NPR 400
f. SBL Intl. Prepaid Travel Card USD 5
g. SBL Credit Card NPR 500
8.1.11 PIN Reissue Fee (New PIN)
a. SBL Visa Debit Domestic NPR 150
b. Club Siddhartha NPR 150
c. SBL Domestic Prepaid NPR 150
d. SBL Student Prepaid NPR 100
e. SBL Prepaid Medical NPR 150
f. SBL Intl. Prepaid Travel Card USD 1
g. SBL Credit Card NPR 150
8.2 ATM Access Fee NPR 500
8.3 EMI Loan Processing fee- Credit Card NPR 1,000 or 1% of loan whichever is higher
8.4 Late payment fee- Credit Card NPR 300 or 1% of overdue amount or max. NPR 2,000
8.5 Over Limit Fee- Credit Card NPR 500
8.6 Limit Enhancement Fee- Credit Card NPR 750
8.7 POS Cash Advance Fee NPR 500 or 5% of Trxn. Amt (whichever is higher)

 

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