Standard Tariff of Charges (STC)
07 Ashwin, 2071 (23 September, 2014)

A. Operations :
Description Charges/Commission/Fees/Others
 
1. Account Opening
Balance Confirmation Fee NRS 1,000 for new accounts; NRS 700 for accounts older than one year.
NRS 150 for additional copies
Free for Audit purpose (Once in a Fiscal Year)
Statement of Accounts (on demand) NRS 300
NRS 550 for older than 6 months
(Not applicable if not taken earlier or incase of issuance alongwith Balance Certificate)
Good for Payment NRS 300 upto NRS 1 mio.
NRS 500 above NRS 1 mio.
Cancellation of Good for Payment NRS 250
Stop Payment NRS 350
Cheque book issued against lost cheque book NRS 150
Loose cheque issuance Fee / Counter cheque NRS 50 each
NRB Cheque or other Bank cheque issuance NRS 250 or 0.1% whichever is higher
Cheque book destruction charge while closing the account (levied only for those who had issued cheque book for second time) NRS 10 per remaining leaf
Uncollected cheque book destruction charge after 3 months of issuance NRS 350
Copy Document NRS 500 NRS 1000 for older than 6 months
Standing Instruction NRS 250 Per request
Withdrawal Slip for Savings Account NRS 50
(to be deducted at the time of payment but incase has to be issued because of Bank
fault, not to be charged)
Certificate issued to the customer (Other than Balance Confirmation Certificate) NRS 300
SMS Alert (Subscription / renewal) NRS 200 (for 100 alerts or a period of 1 year)
Account Closure:
General Savings NRS 150 flat
Sajilo Bachat Khata NRS 150 flat
Ladder Savings NRS 1000 if closed within a year, NRS 500 if closed after one year.
Griha Laxmi Bachat Khata NRS 150 flat
BOK Kissan Banking Sewa NRS 150 flat
Shareholder's Account NIL
Baidesik Rojgar Khata NRS 550 flat
Share Plus Savings NRS 150 flat
Laghu Bachat Khata NRS 550 flat
My choice Women's Savings NRS 550 flat
Nava Kopila Bachat Khata NRS 150 flat
Gramin Mahila Bachat Khata NRS 550 flat
BOK Pokhara Bachat Khata NRS 550 flat
BOK Premium Savings NRS 1000 if closed within a year, NRS 500 if closed after one year.
BOK Premium Plus Savings NRS 1000 if closed within a year, NRS 500 if closed after one year.
NRN Account NRS 150 flat
Sunya Maujdatma Sabaiko Bachat Khata NRS 150 flat
Hello Savings Account NRS 150 flat
BOK Shramik Bachat Khata NRS 150 flat
BOK Chetansil Yuwa Bachat Yojana NRS 150 flat
Salary Management Scheme Nil
Other Accounts NRS 1000 if closed within a year, NRS 500 if closed after one year.
Account Transfer:
Transfer to accounts having lower minimum balance requirement NRS 150 flat
Transfer to accounts having higher or equivalent minimum balance requirement NIL
Salary Management Scheme NIL
   
2.Locker Rental Charges
Yearly Charges
Head Office and Branches within valley:
Locker size:
Size A (upto 4.5*6*20) NRS 1500
Size B (upto 5.5*7.5*20) NRS 1700
Size C (upto 7.5*5*20) NRS 1900
Size D (upto 7*8.5*20) NRS 2100
Size D (upto 7.44*10.35*19.37) NRS 2200
Size E (upto 10.5*13*10) NRS 2300
Size F (upto 7*20*20) NRS 3000
Size G (upto 7.44*20.87*19.37) NRS 3200
Size H (upto 15*20*20) NRS 3500
Size I (upto 15.91*20.87*19.37) NRS 4000
Outside Valley Branches:
Locker size:
Size A (upto 4.5*6*20) NRS 1000
Size B (upto 5.5*7.5*20) NRS 1200
Size C (upto 7.5*5*20) NRS 1400
Size D (upto 7*8.5*20) NRS 1600
Size E (upto 10.5*13*10) NRS 1800
Size F (upto 7*20*20) NRS 2000
Size G (upto 15*20*20) NRS 2500
Locker breaking charge NRS 2000 plus actual bill from service provider
Account lien NRS 5,000 (for outside valley branches)
NRS 10,000 (for inside valley branches)
3. Payment of Cheques/Deposits in any form under Anywhere Banking Service A. NRS 150 or 0.05% whichever is higher.
B. For deposit & withdrawal each carried out between below mentioned branches: - NRS 20 for the inter branch transactions upto NRS 200,000 per day excluding Premium Plus Saving.

1. Birtamod, Khandbari, Urlabari, Itahari and Biratnagar, Dharan and Diktel.
2. Janakpur, Amlekhgunj, Hetauda, Birgunj & Narayanghat, Lahan and Gaur.
3. Pokhara, Khairenitar, Baglung and Beni.
4. Butwal, Sandhikharka and Tamghas.
5. Dang, Tulsipur, Kohalpur, Nepalgunj, Guleriya, Surkhet and Dailekh.
6. Dhangadi, Attariya, Tikapur, Dadeldhura.

- NRS 50 flat for Ladder and SalaryA/C if amount goes beyond NRS 200,000 incase of cash deposits
'- NRS 150 or 0.05% whichever is higher for amount beyond NRS 200,000 within the region as mentioned above.
C. NRS 50 flat per transaction in Ladder and Salary A/C (incase of cash deposit) other than branches with in the same region as mentioned above.
D. No ABBS charges amongst Kathmandu Valley branches (including Panauti) and amongst the branches of same districts.
E. ABBS charges not applicable for the inter branch transactions carried out between:
1. Itahari, Biratnagar & Urlabari.
2. Amlekhgunj & Birgunj
3. Amlekhgunj & Hetauda
F. ABBS charges not applicable for the transfers made by closing an existing account and opening the same in other branch
G. For Share Holders Account:
- No ABBS charges for up to NRS 100,000
- 0.05% for amount over NRS 100,000
4. Cheques/Clearing Cheques
Special Clearing Cheque (Manual) Inward : NRS 700
Outward : NRS 1,000
Electronic Cheque Clearing (NCHL) No Charge
Local Outstation Cheque (Collection) NRS 350.00 Flat
Local Outstation Cheque/Draft (Purchase) 0.5% (covering upto 7 days)
Interest to be charged after 7 days
+ Courier/Postage Charge as per STC
FCY Cheque/Draft:
Purchase 0.5% (covering upto 7 days)
Interest to be charged after 7 days
+ Courier/Postage Charge as per STC
Collection NRS 1,350 or 0.125% whichever is higher + Courier/Postage Charge as per STC
FCY Cheque/Draft Payable locally:
FCY Cheque/Draft Payable locally:
Purchase 0.5% (covering upto 7 days)
Interest to be charged after 7 days
+ Courier/Postage Charge as per STC
Collection NRS 300 or 0.125% whichever is higher + Courier/Postage Charge as per STC
Indian Rupees Bills/Cheque Purchase:
Purchase 0.5% (covering upto 7 days)
Interest to be charged after 7 days
+ Courier/Postage Charge as per STC
Collection NRS 300 or 0.125% whichever is higher + Courier/Postage Charge as per STC
Returned Cheque (Inward Clearing) NRS 400
Returned Cheque (Outward Clearing) NRS 200
Returned Cheque (Counter) NRS 200
Inward Collection:
Commission NRS 300 + Courier/Postage Charge as per STC
Outward Collection
Commission NRS 100 or 0.125% whichever is higher + Courier/Postage Charge as per STC
5. Fees and charges for Bill Payment

Bill Payment (without Receipt) No charge
Bill Payment with Receipt Collection from the Bank Counter NRS. 5/Phone bill
Bill Payment with Receipt Collection from prescribed 'Point-of-collection' NRS. 10/Phone bill
Bill Payment with Home Delivery of Receipts within prescribed locations NRS. 15/Phone bill (Incase of more than one phone bill, Rs. 5 for each additional phone bill)
Registration (Initial) Fee N.A. (Free)
Re-Registration NRS 50 for each time
3rd Party Service Provider NRS 5/Phone Line
6.Remittance
Cash Management 0.10%
Cheque Return under Cash management NRS 300 + Corresponding Banking Charge
Travellers Cheques:  
Sale Commission For Student : NPR100 or 0.75% whichever is higher

For account holder : NPR100 or 1% whichever is higher
For non-account holder : NPR100 or 1.5% whichever is higher
Encashment For account holder of BOK: 0.75%
For non-account holder of BOK: 1%
Purchase For Money Changers/Travel Agent: 0.50%
For Others: 1%
USD/Other FCY Cash Deposit in USD/Other FCY Account Nil (For 50 and above Denomination)
0.5% (For Denomination Less than 50)
Refund of Inward Remittance USD 10 (or eqv.) for amount up to USD 500 (or eqv.)
USD 25 (or eqv.) for amount over USD 500 (or eqv.) below USD 2000 (or eqv.)
USD 50 (or eqv.) for amount over USD 2000 (or eqv.)
Inward Remittance - Inter-bank Payment NRS 1000 or 0.125% whichever is higher
Inward Remittance Charge Account holder - NIL
Non-account holder - NRS 700
Inward Remittance Charge through Local Bank, outside KTM Valley NRS 250
Communication Chg.- SWIFT charge for correspondence on behalf of the customer NRS 200 + other charges as applicable (including correspondent bank’s charge)
Outward Remittance (Swift):
SWIFT Charge-India and Elsewhere (a) Student Rs. 600
(b) Other Rs. 800
SWIFT Charge-Within Nepal NRS 300
Commission -NRS 250 or 0.25% whichever is higher
-For Students NRS 250 or 0.15% whichever is higher
-For Tibet/Khasa trade - NRS 250 or 0.05% whichever is higher
Draft Sale -NRS 250 or 0.25% whichever is higher
-For Students NRS 250 or 0.15% whichever is higher
-For Tibet/Khasa trade - NRS 250 or 0.05% whichever is higher
-For INR draft of non account holders (without docs) NRS 750 or 0.25% whichever is higher
-For INR draft of account holders (without docs) NRS 500 or 0.25% whichever is higher
Draft Purchase (Local) 0.5% (covering upto 7 days)
Interest to be charged after 7 days
+ Courier/Postage Charge as per STC
Stop payment for lost draft other than LCY Rs. 700 + other charges as applicable (including correspondent bank’s charge)
Draft cancellation against original draft LCY: NRS 200
INR : NRS 300
FCY: NRS 350
Outward Remittance through Online Software/Fax Transfer to BOK branches (Pay on ID) NRS 150 or 0.05% whichever is higher
Outward Remittance through Online Software/Tested Fax Transfer/Pay Order/Draft to Nepalese Commercial Banks and Financial Institutions/Agents (where BOK has arrangement) NRS 200 or 0.10% whichever is higher
Managers' Cheque/Gift Cheque NRS 300
NOC Voucher:
Account Holder Nil
Non Account Holder NRS 50 for each voucher
NEA - Kulekhani (I) & (II) & Concrete Pole Plant Nil
7. Others
Credit Information Bureau Charges
Listing / De-listing of Customers (cheque bounced for amount above 10 Mio.) Actual basis (Current NPR 3000)
Listing / De-listing of Customers (cheque bounced for amount below 10 Mio.) Actual basis (Current NPR 2000)

B. General - Courier and Postage Charges :
Description Charges/Commission/Fees/Others
Communication Chg.- Courier
All countries except India NRS 1500
India NRS 1000
Within Nepal NRS 100
Communication Chg.- Postage
Within Nepal NRS 20
India NRS 50
Abroad NRS 250

C. Credit Services :
Description Charges/Commission/Fees/Others
Documentation Fee:
Head Office and Branches within valley
New Case
Within Valley NRS 7,000
Outside Valley NRS 10,000
Amendment in Tamsuk (Deed):
Within Valley NRS 3,000
Outside valley NRS 5,000
   
Outside Valley Branches
New Case
Within city NRS 5,000
Outside City NRS 7,000
Amendment in Tamsuk (Deed):
Within city NRS 1,000
Outside city NRS 3,000
   
Security Documentation Fee - Retail
Education Loan NRS 7,500
Small Enterprse Loan:
For exposure up to NPR 1 Mio. NRS 3,000
For exposure above NPR 1 Mio. NRS 5,000
Other Retail Loan :
For exposure upto 2.50 Mio. NRS 7,500
For exposure over NPR 2.50 Mio. NRS 12,500
Loan against LCY Fixed Deposit of BOK Nil
Mahila Udhyamshil Karjaa Nil
2. Loan Processing/Management Fees and Other Fees/Charges :
Consumer Loans :
Small Commercial Vehicles 1%
Large Commercial Vehicles 1%
Small Private Vehicles 1%
Large Private Vehicles 1%
Refinancing Private Vehicles 1%
Education  1%
Housing 1%
Personal 1%
Solar Financing NPR 2,000 Flat
Apartment Financing 1%
Other Consumer Loans 1%
Small Business Finance (SBF)
Cottage and Small Scale Industries:
For exposure up to NPR 5 Mio. 1.00%
For exposure above NPR 5 Mio. 0.50%
Other SBF 1% Flat or Minimum NRS 7,500, whichever is higher
Other than SBF & Consumer Loan 1%
Temporary Credit Facility Requests 1%
D' Class financial Institutional Loan 1%
Loan against LCY Fixed Deposit of BOK Nil
Agriculture Business Loan 1%
Mahila Udhyamshil Karjaa 1%
3. Loan Commitment Fees
Unutilized Overdraft (other than SBF) 1% p.a on monthly basis
SBF
For exposure up to NPR 2.5 Mio. NRS 5,000
For exposure from NPR 2.5 Mio. to 5 Mio. NRS 7,500
For exposure over NPR 5 Mio. NRS 10,000
Business Bank loans other than SBF & cash backed loans NRS 10,000 or as per Credit Approval terms
Prepayment
SBF 2% if paid fully by transferring to other FIs
Retail 0.5% p.a. (for remaining period) within 1 year and after 1 year 1% flat on pre-paid amount
No prepayment charges under Small Exterprise Loan
DCU 0.5% p.a. (for remaining period) within 1 year and after 1 year 1% flat on pre-paid amount
Mahila Udhyamshil Karjaa Nil
Loan against LCY Fixed Deposit of BOK Nil
Agriculture Business Loan NRS 5,000
4. Credit Information Bureau (CIB) Charges
CIB charges (for no transaction) Actual basis ( Current NPR 250)
CIB charges (for transaction)  Actual basis ( Current NPR 550)
Listing / De-listing of borrowers with loan/facility above 10 Mio Actual basis (Current NPR 3000)
Listing / De-listing of borrowers with loan/facility below 10 Mio Actual basis (Current NPR 2000)
D.International Trade :
Description Charges/Commission/Fees/Others
1. Import Letters of Credit
LC Opening Commission:
Industry 0.15% pq or min NRS 1,200
Trading 0.24% pq or min. NRS 1,200
   
Revolving L/C:
Opening Commission Same as LC opening commission
Subsequent reinstate Same as LC opening commission
Amendment Commission:
General (other than amount increase and expiry date extension) NRS 600
For amount increase and/or expiry date extension Same as LC opening commission
Retirement of Collection Docs (not received under LC) 0.125% or min NRS 1500
Discrepancy Fee - India and Abroad USD 75 or INR 3,000
Discrepancy Fee - Local NRS 1,500
Import Bills Charges NRS 500 per bill
Communication Chg. - Swift
LC Opening NRS 1,700
Others NRS 600
LC Cancellation NRS 600 + swift
IB Usance LC acceptance fee Same as LC opening commission
Beneficiary Report As per D&B schedule of charges
Beneficiary report from Correspondent Bank NRS 600 + correspondent bank’s charge
LC settlement through own FCY Account NRS 0.10 per USD (For other FCY, convert to equivalent USD)
Force IB Settlement NRS 1,200
2. Export Letters of Credit
LC/Amendment advising charge NRS 3,500 flat.
Negotiation Commission (Clean Dox) - Sight Bill 0.55% or min NRS 1,200 (for 15 days)
Negotiation Commission (Discrepant Dox) - Sight Bill 0.60% or min NRS 1,200 (for 15 days)
Negotiation Commission & Interest on Usance Bill (for number of days outstanding) - Clean Bill with pre-determined date: Commission 0.125% or min NRS 1,200 + interest- Descrepant Bill with pre-determined date:

- Commission 0.175% or min NRS 1,200 + interest- Clean Bill without pre-determined date: Commission 0.55% or min NRS 1,200 + interest- Descrepant Bill without pre-determined date: - Commission 0.60% or min NRS 1,200 + interest
LC transfer fully or partially NRS 1,200
Documents under Collection Basis 0.125% or min NRS 2000
CAD Certificates 0.125% or min NRS 2000
Documents return NRS 1,200 + interest from 16th day of negotiation
3. Bank Guarantee
Local:
Opening Commission - all types of BGs 0.375% pq or prt thereof or min NRS 1,200
   
Amendment Commission:
General (other than amount increase and expiry date extension) NRS 600 flat
For amount increase and/or expiry date extension Same as opening commission
Telex/Swift Charges (BG Opening) NRS 1,700
Guarantee Claim Handling NRS 1,000
International:
Opening Commission for all types of BGs 0.375% pq or part thereof or min USD 100 plus USD 100 handling charges
Amendment Commission:
General USD 100 flat
For amount enhancement and/or expiry date extension Same as opening commission
E. Card :
Description Charges/Commission/Fees/Others
1. Visa Domestic Debit Card
Card Fees :
Annual Fee NRS 300
Replacement Fee NRS 300
Re-issuance Fee NRS 300
Pin regeneration Fee NRS 150
Transaction Fees :
ATM Cash Withdrawal On BOK ATM Nil
ATM Cash Withdrawal other ATMs (in Nepal) NRS 150 or 0.5% of transaction amount
ATM Cash Withdrawal other ATMs (in India) NRS 250 or 0.5% of transaction amount
ATM Cash Withdrawal Partners NRS 30 on SCT and 15 on HBL
Balance enquiry On BOK ATM Nil
Balance enquiry other ATMs NRS 50
Balance enquiry Partners NRS 10 on SCT and 5 on HBL
Manual Cash On-Us Nil
Manual Cash Off-Us NRS 200 or 2% of transaction amount
Manual Cash BOK Agents NRS 50 or 1% of transaction amount
 
2. Visa Domestic Credit Card
Card Fees :
Joining Fee NRS 800
Annual fee NRS 850
Supplementary Card Annual fee NRS 800
Replacement Fee NRS 600
Re-issuance Fee NRS 600
Pin Regeneration Fee NRS 150
Over limit Fee NRS 600
Late payment Fee NRS 500
Temporarily Limit Enhancement Fee NRS 600
Cheque return Fee NRS 300
Transaction Fees :
Cash Withdrawal On Us NRS 150
Cash Withdrawal Off Us 150+1.5% of txn amount
Balance Enquiry On Us -
Balance Enquiry Off Us NRS 50
Interest :
First cycle (Normal Due) 24% p.a.
Second Cycle (Overdue) 27% p.a.
Third Cycle (Overdue) 30% p.a.
   
3. BOK SCT Debit Card  
Subscription Fee NRS 500.00 (One time for 2 years validity)
Re-issuance Fee NRS 500.00 (New Validity of 2 years)
Pin regeneration Fee NRS 45.00
ATM Cash Withdrawal on BOK ATM NIL
Balance Enquiry on BOK ATM NIL
ATM Cash Withdrawal SCT Network NRS 25.00
Balance Enquiry SCT Networks NRS 3.00
   
4. BOK Online Payment through Card
Up to USD 1,000 NRS 500
> USD 1,000 to USD 3,000 NRS 1,000
> USD 3,000 NRS 1,500
BOK Click Pin regeration (for forgotten/lost) NPR 50 each request
   
5. Merchant Charges [POS]
3 Star and above category Hotels 3.00%
Prime Departmental Store 3.00%
Other Hotels and Tour/Trek Operator 3.50%
Electronics/Jewellery 3.50%
Others 3.75%
   
6. Visa International Debit Card (USD Prepaid)
Card Fees :
Annual Fee USD 10
Replacement Fee USD 5
Re-issuance Fee USD 5
Pin regeneration Fee USD 2
Transaction Fees :
ATM Cash Withdrawal On BOK ATM Nil
ATM Cash Withdrawal other ATMs USD 5
Balance enquiry On BOK ATM Nil
Balance enquiry other ATMs USD 0.50
Pin change on BOK ATM Nil
Reload fee Nil
Transaction Surcharge (except for transaction in USD) 2%
   
7. Others
ATM Access Fee (Interantional card used in our ATM other than India & EU) NRS 400
Card Block charge NPR 100 per request

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