eBanking (Ind.)

eBanking (Cor.)

Check Guarantee

Credit Service

1) Funded Service Related

1.1) Administrative fee

SN	Description	Fee/ Charge
a	New and enhanced limit	0.75% of new or enhanced limit
b	Deprived sector loan to Sana Kisan Development Bank or microfinance financial institution	0.5% on new or enhanced limit
c	Term loan provided after settlement of previous term loan (under pass category) provided for business related to agro production	Nil up to previous loan limit and administrative fee on enhanced amount
d	Revolving loan provided within 3 months of settlement of revolving loan previously provided (without past due) after collateral release	Nil up to previous loan limit and administrative fee on enhanced amount
e	Revolving loan provided within 6 months of settlement of revolving loan previously provided (without past due) (without releasing previous collateral)	Nil up to previous loan limit and administrative fee on enhanced amount
f	Revolving loan provided within 6 months of settlement of revolving loan previously provided (with past due) (without releasing previous collateral)	20% of administrative fee up to previous loan limit and admirative fee for enhanced amount

1.2) Administrative fee on renewal of revolving loan

SN	Description	Fee/ Charge
a	Renewal of revolving loan	20% of administrative fee on limit
b	Deprived sector loan to Sana Kisan Development Bank or microfinance financial institution	20% of administrative fee applicable to that sector

1.3) Restructuring and rescheduling fee

SN	Description	Fee/ Charge
a	Rescheduling up to 2 installments up to 2 times	20% of administrative fee on rescheduled amount
b	Rescheduling above 2 installments above 2 times	20% of administrative fee on outstanding amount
d	Conversion from Existing term plan to EMI plan	0.5% of converted limit
e	Restructuring	20% of administrative fee on outstanding amount

1.4) Commitment Fees on revolving loan

1.4.1 For Revolving loan

SN	Description	Fee/ Charge
a	Annual average utilisation below 60% of loan limit	0.15% of average under utilised amount charged at time of renewal of loan
b	Annual average utilisation at or above 60% of loan limit	Nil
1.4.2	For Term loan	0.15% of average under utilsed amount charged one time

1.5 Prepayment charge

SN	Description	Fee/ Charge
1.5.1	Due to change in interest rate or other terms specified at the time of approval	Nil
1.5.2	Prepayment of of loan with limit within 50 lacs	Nil
1.5.3	Prepayment of of loan with limit above 50 lacs
a	Prepayment within 2 years	Fee equal to administrative fee
b	Prepayment after 2 year before 5 years	Fee equal to 50% of administrative fee
c	Prepayment after 5 years	Fee equal to 20% of administrative fee
d	Prepayment of loan with fixed interest rate	Fee up to administrative fee based on agreement with client made at time of loan approval

1.6) Swapping charge

SN	Description	Fee/ Charge
a	Swap within 2 years	Fee equal to administrative fee
b	Swap after 2 year before 5 years	Fee equal to 50% of administrative fee
c	Swap after 5 years	Fee equal to 20% of administrative fee
d	Prepayment of loan with fixed interest rate	Fee up to administrative fee based on agreement with client made at time of loan approval
1.7	Force loan service fee	Same as administrative fee

2) Non-funded services related

2.1) Limit processing fee

SN	Description	Fee/ Charge
a	Up to 2 crore limit	0.05% of limit (min NPR 2,000, Max NPR 5,000)
b	Above 2 crore to 10 crore	0.025% of limit (min NPR 5,000, Max NPR 10,000)
c	Above 10 crores	0.01% of limit (min NPR 10,000, Max NPR 20,000)

2.2	Limit renewal fee	25% of limit processing fee

2.3) Limit amendment fee

SN	Description	Fee/ Charge
a	Amendment within pre-approved limit	NPR 2,000
b	Enhancement of limit	Equal to limit processing fee for enhanced amount (treating enhanced amount as total limit amount for this purpose)
c	Extension in maturity date of limit	Same as renewal fee

2.4) Guarantee issuance commission

2.4.1) Bid bond

SN	Description	Fee/ Charge
a	Client without limit	0.375% pq (minimum NPR 1000)
b	Client (irregular) with limit	0.35% pq (minimum NPR 1000)
c	Client with limit for upto 6 months	0.3% pq (minimum NPR 1000)
d	Client with green card facility	0.25% pq (minimum NPR 1000)

2.4.2) Performance bond

SN	Description	Fee/ Charge
a	Client without limt	0.5% pq (minimum NPR 1500)
b	Client (irregular) with limit	0.375% pq (minimum NPR 1500)
c	Client with limit for upto 6 months	0.35% pq (minimum NPR 1500)
d	Client with green card facility	0.3% pq (minimum NPR 1500)

2.4.3) Advance payment guarantee

SN	Description	Fee/ Charge
a	Client without limit	0.5% pq (minimum NPR 2,000)
b	Client (irregular) with limit	0.375% pq (minimum NPR 2,000)
c	Client with limit for up to 6 months	0.35% pq (minimum NPR 2,000)
d	Client with green card facility	0.3% pq (minimum NPR 2,000)

2.4.3	Deposit guarantee / Supply credit guarantee	0.4% pq ( minimum NPR 2,500 pq)

2.4.4) Bonded warehouse guarantee

SN	Description	Fee/ Charge
a	Client without limit	0.5% pq (minimum NPR 1,000)
b	Client (irregular) with limit	0.45% pq (minimum NPR 1,000)
c	Client with limit for up to 6 months	0.4% pq (minimum NPR 1,000)
d	Client with green card facility	0.375% pq (minimum NPR 1,000)
2.4.5	Counter guarantee	0.25% pq (minimum USD 50)

2.4.6) Other guarantee

SN	Description	Fee/ Charge
a	Client without limit	0.5% pq (minimum NPR 1000)
b	Client (irregular) with limit	0.375% pq (minimum NPR 1000)
c	Client with limit for up to 6 months	0.35% pq (minimum NPR 1000)
d	Client with green card facility	0.3% pq (minimum NPR 1000)
2.4.7	Credit commitment	0.2% pq (minimum charge required for 1 quarter)
2.5	Recommendation letter to custom office	NPR 1,000 each time

3) Trade Finance related

3.1) Import Letter of credit

3.1.1) Import Letter of credit

3.1.1.1) Letter of credit issuance

SN	Description	Fee/ Charge
a	Sight letter of credit issuance	0.1% pq of value (minimum NPR 1,000 pq) and swift charge
b	Usance letter of credit issuance	Twice commission of sight letter of credit and swift charge (Commission for 1st quarter at time of issuance and remaining at time of acceptance of documents on monthly basis)

3.1.1.2) Amendment of letter of credit

SN	Description	Fee/ Charge
a	Amendment of expiry time or value	same as issuance and swift charge
b	Other amendment	NPR 500 each time and swift charge

3.1.1.3) Discrepancy fee

SN	Description	Fee/ Charge
a	Convertible foreign currency letter of credit	NPR equivalent to USD 50
b	INR letter of credit	INR 2,000
c	National letter of credit	NPR 3,000

3.1.2) Export Letter of credit

SN	Description	Fee/ Charge
3.1.2.1	Letter of credit advising fee	NPR 2,000
3.1.2.2	Letter of credit amendment fee	NPR 1,000 each time

3.1.2.3) Negotiation fee

SN	Description	Fee/ Charge
a	Sight letter of credit	8%p.a of document value (minimum charge for 15 days)
b	Usance letter of credit	10% p.a of document value for usance period
3.1.2.4	Document collection fee (Local and Export) (without negotiation)	0.1% of document value (minimum NPR 1,000)
3.1.2.5	Return of document presented for collection (not realised)	NPR 500

3.1.2.6) Authentication fee

SN	Description	Fee/ Charge
a	With value up to USD 1million	equivalent NPR of USD 50
b	With value above USD 1million	equivalent NPR of USD 100

3.1.3) Communication and postage

SN	Description	Fee/ Charge
a	Telex or swift	NPR 1,500
b	Postage or courier	Actual cost (minimum NPR 300)

3.2) Documentary Collection

3.2.1) Bills outward (OBC)

SN	Description	Fee/ Charge
a	Collection bills (ADBL as remitting bank)	Local bills: Nil Foreign bills: NPR 300
b	Return of document presented for collection (not realised)	NPR bills: NPR 200 FCY bills: NPR 200

3.2.2) Bills inward (IBC)

3.2.2.1) Documentary bills collection (ADBL as collecting/presenting bank)

SN	Description	Fee/ Charge
a	Document in NPR
	Up to 1 lac	0.08% (minimum NPR 50)
	Above 1 lacs upto 5 lacs	0.05% (minimum NPR 90)
	Above 5 lacs	0.04% (minimum NPR 250)
b	Document in INR
	Customer with account in ADBL	0.2% (minimum NPR 200) + swift charge NPR 1,000
	Customer without account in ADBL	0.3% (minimum NPR 300) + swift charge 1,200

c	Document in FCY
	Customer with account in ADBL	0.2% (minimum USD 5) + swift charge NPR 1,000
	Customer without account in ADBL	0.3% (minimum USD 8) + swift charge NPR 1,200

3.3) Bills purchase (discount) (except clean bills, travellers cheque)

3.3.1) Draft purchase/discount

SN	Description	Fee/ Charge
a	Amount in NPR	0.15% (minimum NPR 100)
b	Amount in NPR (Local)	0.5% (minimum NPR 200)
c	Amount in INR	1% (minimum NPR 300)
d	Amount in FCY	0.75% (minimum USD 5)
	Interest shall be charged since date of discount if draft could not be collected within 7 days for NPR local clean bill and 1 month in other case

3.3.2) Cheque discount

SN	Description	Fee/ Charge
a	Amount in NPR	0.2% (minimum NPR 100)
b	Amount in NPR (Local)	0.8% (minimum NPR 200)
c	Amount in INR	1.5% (minimum NPR 300)
d	Amount in FCY	1.25% (minimum USD 5)
	Interest shall be charged since date of discount if draft could not be collected within 7 days for NPR local clean bill and 1 month in other case

4) Credit information related fees

SN	Description	Fee/ Charge
a	Credit information of client provided to other institutions	Branch specific rules
b	Obtaining credit information report (for transaction information)	NPR 250
c	Obtaining credit information report (for no transaction information)	NPR 550
d	Blacklisting and removal from blacklisting
	Client with loan/facility up to 10million	NPR 2,000
	Client with loan/facility above 10million	NPR 3,000

5) Collateral related fees

5.1) Collateral Valuation fee

5.1.1) Valuation from listed valuator

SN	Description	Fee/ Charge
a	Valuation up to 25 lacs	NPR 4000
b	valuation from 25 lacs to 1 crore	0.15% of valuation amount
c	Valuation from 1crore to 5 crores	0.1% of valuation amount
d	Valuation above 5 crores	0.08% of valuation amount (maximum fee 100,000)
5.1.2	Valuation from employee of bank	0.5% of loan amount or NPR 4,000 whichever lower

5.2	Collateral exchange fee	50% of administrative fee on value of new collateral received after margin

5.3) Partial collateral release fee

SN	Description	Fee/ Charge
a	Release of collateral valued up to NPR 50 lacs	NPR 5,000
b	Release of collateral valued above NPR 50 lacs	NPR 10,000

5.4	Collateral Sharing fee	NPR 5,000 to be paid by receiver of collateral
5.5	Transmission of Non-banking asset to defaulting client	Highest interest since date of booking NBA

6) Other fees

6.1) Change of structure of company

SN	Description	Fee/ Charge
a	Permission for change in name of company	equal to administrative fee (as new client)
b	Permission for change in share structure up to 25% of paid up share capital of company	Nil
c	Permission for change in share structure above 25% of paid up share capital of company	equal to administrative fee (as new client)
d	Permission for increase in paid up capital without change in share holders	Nil

6.2	Transfer of client from one branch to other as per request of client	2% on loan limit in case of revolving loan and 2% on outstanding amount in case of term loan (Maximum NPR 5,000)
6.3	Transfer of loan to other client due to death of client or client becoming disabled or due to natural disaster/casualties	Administrative fee as if the transferee is new client
6.4	Balance certificate of funded and non-funded transactions	No charge for one time each fiscal year NPR 100 if certificate requested for next time in same fiscal year (50% discount for existing employees or family member of employees of the bank and 25% discount for retired employee of the bank)
6.5	Change in loan product or objective as per request of client	Administrative fee
6.6	Change in loan product or objective due to reasons internal to ADBL	Revolving Loan: Nil up to previous loan limit Term Loan: Nil up to outstanding amount