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Interest Rates

Account and Deposit (Effective From August 17, 2018)

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ACCOUNT NAME MINIMUM BALANCE INTEREST RATE (P.A.)
Citizens Savings Nil 5.00%
Citizens Rastra Sewak Saving Nil 5.00%
Citizens Bidhyarthi Bachat 100 5.00%
Citizens Mahila Bachat 500 5.00 %
Citizens Muna Bachat 100 5.00 %
Citizens Matribhumi Bachat 100 5.00%
Citizens Senior Citizens Savings NIl 5.00 %
Citizens Special Savings 500 5.00 %
Citizens Super Saving 1,000 5.00%
Citizens Sharedhani Bachat Khata 100 5.00%
Citizens Special Super Savings Account (CSSA) 5000 5.00 %
Citizens Mofashal Bachat Khata 1000 5.00%
Citizens Enterprise Fund Account Nil 5.00%
Citizens G2P Saving Account - 5.00%
Citizens Branchless Bachat Nil 5.00%
Citizens Ghar Dailo Savings 500 5.00%
Citizens Dasak Savings 500 5.00 %
Citizens Golden Savings 500 6.00%
Mero Citizens Bachat Khata 100 7.00%
Citizens Privilege Savings Account 50,000 5.00 %
Citizens Recurring Deposit(NPR)
3 years - 3.75 %
5 years - 4.00 %
7 years - 4.25 %
Dashain Tihar Muddati Nichhep Yojanaa 50,000 7.00%
Citizens Saving Account (FCY)
GBP 10 2.00 %
Euro 20 2.00 %
USD 20 2.00 %
Citizens Call Deposit (FCY)
GBP - 0.50 %
EURO - 0.50 %
USD - 0.50 %
Citizens FCY Fixed Deposit Available on Request
Citizens Call Deposit (NPR) Negotiable (Subject to NRB Directive)
Citizens Fixed Deposit (NPR) INDIVIDUAL - 10.00 %
Citizens Fixed Deposit (NPR) INSTITUTIONAL - 9.00 %

Loan

LOAN NAME MIN RATE MAX RATE
Term Loan Base Rate + 0.25% Base Rate + 4.00%
Overdraft Base Rate + 0.25% Base Rate + 4.00%
Working Capital Loan/ Short Term Loan/ Demand Loan/ Bridge Gap Loan Base Rate + 0.25% Base Rate + 5.00%
Trust Receipt Loan Base Rate + 0.25% Base Rate + 4.00%
Export Finance Base Rate + 0.25% Base Rate + 3.00%
Other Loan Base Rate + 2.00% Base Rate + 7.00%
LOAN NAME MIN RATE MAX RATE
Citizens Mortgage Loan(Term Loan / Overdraft) Base Rate + 0.75% Base Rate + 5.00%
Citizens Auto Loan Base Rate + 0.25 % Base Rate + 5.00%
Citizens Home Loan Base Rate + 0.00% Base Rate + 5.00%
Citizens Education Loan Base Rate + 2.00% Base Rate + 4.00%
Citizens Margin Lending Base Rate + 1.00% Base Rate + 4.00%
Citizens Gold Loan Base Rate + 2.00% Base Rate + 7.00%
Citizens Bina Dhito Karja Base Rate + 2.00% Base Rate + 5.00%
Citizens Equipment Loan Base Rate + 1.00% Base Rate + 4.00%
Citizens One Zone One Product (Term Loan / Overdraft) Base Rate + 2.00% Base Rate + 5.00%
Citizens Fast Track Loan (CFTL) (Term Loan / Overdraft) Base Rate + 2.00% Base Rate + 7.00%
LOAN NAME MIN RATE MAX RATE
Citizens SME Loan Base Rate + 1.00% Base Rate + 5.00%
FIX RATE MIN RATE MAX RATE
Loan against first class Bank Guarantee Base Rate + 1.00% Base Rate + 5.00%
Loan against Government Bond Higher of Coupon rate + 2% or Base rate + 2% -
Loan against Citizens Fixed Deposit Receipt and Promissory Note Higher of FD rate + 2% or Base rate + 2% -
NPR Loan Against FCY Fixed Deposit Receipt Higher of Coupon rate + 2% or Base rate + 2% -
Consortium Financing As per consortium decision -
Deprived Sector Loan Base Rate + Upto 4.00%

Interest Rate Spread

INTEREST RATE SPREAD RATE
Interest Rate Spread Ashwin 2075 4.00%
Interest Rate Spread Bhadra 2075 3.85%
Interest Rate Spread Shrawan 2075 4.08%
INTEREST RATE SPREAD RATE
Interest Rate Spread Ashad 2075 3.84%
Interest Rate Spread Jestha 2075 3.84%
Interest Rate Spread Baisakh 2075 3.97%
Interest Rate Spread Chaitra 2074 3.74%
Interest Rate Spread Falgun 2074 3.62%
Interest Rate Spread Magh 2074 3.45%
Interest rate Spread Poush 2074. 3.23%
Interest Rate Spread Mangsir 2074 3.27%
Interest Rate Spread Kartik 2074 3.39%
Interest Rate Spread Ashwin, 2074 3.62%
Interest Rate Spread Bhadra, 2074 3.63%
Interest Rate Spread Shrawan, 2074 3.46%
INTEREST RATE SPREAD RATE
Interest Rate Spread Ashad,2074 3.19%
Interest Rate Spread Jestha, 2074 3.35%
Interest Rate Spread Baisakh,2074 3.71%
Interest Rate Spread Chaitra ,2073 3.95%
Interest Rate Spread falgun, 2073 3.57%
Interest Rate Spread Magh,2073 3.57%
Interest Rate Spread Poush, 2073 3.49%
Interest Rate Spread Mangsir,2073 3.45%
Interest Rate Spread Kartik,2073 3.77%
Interest Rate Spread Ashwin,2073 3.88%
Interest Rate Spread Bhadra,2073 3.97%
Interest Rate Spread Shrawan,2073 3.88%
INTEREST RATE SPREAD RATE
Interest Rate Spread Ashad,2073 3.96%
Interest Rate Spread Jestha, 2073 4.12%
Interest Rate Spread Bhaishak,2073 4.20%
Interest Rate Spread Chaitra, 2072 4.39%
Interest Rate Spread Falgun,2072 4.23%
Interest Rate Spread Magh, 2072 4.35%
Interest Rate Spread Poush, 2072 4.17%
Interest Rate Spread Mangsir, 2072 4.07%
Interest Rate Spread Kartik, 2072 4.02%
Interest Rate Spread Ashwin, 2072 4.06%
Interest Rate Spread Bhadra, 2072 4.04%
Interest Rate Spread Shrawan, 2072 4.01%
INTEREST RATE SPREAD RATE
Interest Rate Spread Ashad, 2072 4.12%
Interest Rate Spread Jestha, 2072 4.45%
Interest Rate Spread Baisakh, 2072 4.39%
Interest Rate Spread Chaitra, 2071 4.47%
Interest Rate Spread Fagun, 2071 4.58%
Interest Rate Spread Magh, 2071 4.55%
Interest Rate Spread Poush, 2071 4.71%
Interest Rate Spread Mangsir, 2071 4.88%
Interest Rate Spread Kartik, 2071 4.83%
Interest Rate Spread Ashwin, 2071 4.82%
Interest Rate Spread Bhadra, 2071 4.80%
Interest Rate Spread Shrawan, 2071 4.00%
INTEREST RATE SPREAD RATE
Interest Rate Spread Ashad, 2071 4.99%
Interest Rate Spread Jestha, 2071 5.87%

Base Rates

BASE RATE RATE

Fees and Charges

Particulars Rupee Card USD card
Card Issunace Fee 750 15

Exchange Rate

Currency Units Buying Cash Below Deno 50 Buying Selling
Indian Rupee 100 160.00 160.00 160.15
US Dollar 1 116.02 116.60 117.20
Euro 1 130.24 130.90 132.22
Pound Sterling 1 148.65 149.40 150.91
Swiss Franc 1 114.38 114.96 116.29
Australian Dollar 1 82.94 83.36 84.70
Canadian Dollar 1 87.38 87.82 88.95
Singapore Dollar 1 83.38 83.80 84.90
Japanese Yen 10 10.22 10.27 10.37
Swedish Croner 1 12.51 12.57 12.83
Danish Croner 1 17.31 17.39 17.68
Hong Kong Dollar 1 14.61 14.68 14.96
Saudi Arab Riyal 1 30.43 30.58 31.54
Qatari Riyal 1 31.57 31.73 32.58
Chinese Yuan 1 16.16 16.24 16.82
UAE Diram 1 31.39 31.55 32.21
Thai Bhat 1 3.35 3.37 3.53
Malaysian Ringgit 1 27.41 27.55 27.97
Kuwati Dinar 1 379.59 381.50 386.95
Baharani Dinar 1 305.97 307.51 312.68
Korean Won 100 9.10 9.15 10.11
Particulars Fees, Commission & Charges
Cheque/Draft Purchase Commission
Local Clearing N/A
Foreign Cheque/Draft 0.50% or minimum of Rs. 1000.00 (due period of up to 15 days)
Cheque Collection Outward
Local 0.15% or minimum of Rs 200.00
Foreign 0.15% or minimum of Rs 200.00 plus applicable courier charges
Overdue Interest 15% p.a. from the date of Overdue.
ChequeReturned/Unpaid Charge/Purchased Cheque Penal interest of 15.00% p.a. from the date of purchase with minimum of Rs 1000

Particulars Fees, Commission & Charges
Bid Bond 0.25% per quarter or a part thereof with minimum of Rs. 750.00
Performance Bond 0.375% per quarter or a part thereof with minimum of Rs. 1,000.00
Advance Payment Guarantee 0.40% per quarter or a part thereof with minimum of Rs. 1,000.00
Financial Guarantee 0.40% per quarter or a part thereof with minimum of Rs. 1,000.00
Counter Guarantee
For Foreign Guarantee -0.25% per quarter or a part there of with minimum of Rs 1000.00,plus
-commission/charge of the bank
For Local Guarantee -0.25% per quarter or a part thereof with minimum of Rs1,000.00, plus
-commission/charge of the bank
Customs Guarantee for Exporters 0.375% per quarter or a part thereof with minimum of Rs. 1,000.00
Other Guarantees 0.40% per quarter or a part thereof with minimum of Rs. 1,000.00
Guarantee Claim Handling Charge Rs 1000 per claim settlement plus other relevant Charge if any
Guarantee Amendment Charges
Amendment in Value and /or Time Same as Guarantee Issuance Charges
Other Amendments Rs 500.00
Credit Line Certificate/Letter Issuance charge Rs 500 per Certificate/Letter Issuance
Swift Charge for MT760 Rs 2,000 per Message
Court/CIAA or Similar nature related Guarantee 2% per Quarter or a part thereof with minimum of Rs 10,000
Particulars Fees, Commission & Charges
Advising Charge
Export LC Rs 2,000
Amendment Rs 1,500
Export LC Transfer Charge
Full Rs. 3,000.00 for each transfer
Partial For partial transfer charges shall be refunded if the export bills are negotiated with the bank.
Export LC Confirmation Charge 0.25% per quarter or a part thereof with minimum of Rs 1,000.00
Export LC Negotiation Commission
Clean Sight Documentary Bills 0.40% for upto 15 days or minimum of Rs 1,000.00
Discrepant Sight Documentary Bills 0.45% for upto 15 days or minimum of Rs 1,500.00
Usance Documentary Bills a or b plus 9.50% p.a. from 16th day of negotiation.
Overdue Interest for Docs Negotiation/document purchase Bank highest interest rate for Overdue period
Export Bill collection commission including Cash Against document (CAD)and LC (Foreign) 0.20% or Min Rs.3000 plus communication charge
Local Documentary Bills purchase 0.30% (for up to 7 days) or Rs. 500 plus swift/courier exp
Documentary Bills Collection (Local) 0.15% p.a. or Rs 1,000 plus courier charge
Issuance of Advance Payment Certificate Rs 300.00

Particulars Fees, Commission & Charges
LC Opening Commission
NRs Sight LCs 0.20% per quarter or a part thereof with minimum of Rs.1,000.00
INR Sight LCs
Manufacturing Industries 0.20% per quarter or a part thereof with minimum of Rs.1,000.00
Trading and Others 0.25% per quarter or a part thereof with minimum of Rs.1,000.00
FCY LCs (other than INR)
Manufacturing Industries 0.125% per quarter or a part thereof with minimum of Rs.1,000.00
Trading and Others 0.20% per quarter or a part thereof with minimum of Rs.1,000.00
Back to Back Sight LC (in addition to normal LC comm.) 0.10% per quarter or a part thereof with minimum of Rs.1,000.00
LC Cancellation Rs.2,000 flat for full unutilized LC oustanding plus swift charges and other Bank charges if any
LC Amendment -For Normal Amendment: Rs 1,000 plus Communication
-For Value increase/Time Extension: As per LC issuance Charge plus communication
Usance LC Opening Commission 0.25% per quarter or a part thereof with minimum of Rs.1,500.00
Import Document Handling Charge Rs. 500.00 per set of document
Discrepant Charge
For FCY Document USD 50,EUR 50,AUD 50,GBP 50 and JPY 5,000 Per set of document or equivalent for other Currency
For INR Document INR 2,000 per set of Document
For NPR Document NPR 3,000 per set of Document
Swift Charge For LC Transmission MT 700 Rs 2,000 per Message
Swift Charge For other message related to TAD Rs 500 per Message
LC overdrawn Charge 0.5% on overdrawn value or minimum Rs 2,000
DAP Commission 0.20% or minimum Rs 2,000 Plus Communication charges if any
DAA Commission 0.20% per Quarter or minimum Rs 2,000 Plus Communication charges if any
LC Document Discounting Commission on Beneficiary As per term of LC
Acceptance Commission including for discounting LC LC issuance Charge for usance period plus Communication
Document Return Charge under import LC, DAP, DAA -FCY and INR related document: Rs 2000 per set of document plus Communication charge
-NRP related document: Rs 1,000 per set of documents plus communication Charge
NRB cheque Issuance Charge on request of customer for Custom purpose under LC -for other purpose Rs 500 per Cheque
-Free for the Statutory custom margin purpose
Force loan/ Payment against document (PAD) for clean LC document settlement, Guarantee Claim Payment and Acceptance Maturity Bank Highest Interest Rate
Overdue interest for Re-imbursement (related to LC and Acceptance settlement Highest interest applied to the loan facility of the customet

Particulars Fees, Commission & Charges
Internet Banking
Internet Banking fees 150 p.a
Internet Banking Password regeneration fee Rs.50
Mobile Banking
Mobile Banking Fee Rs 150 p.a for Indvidual
Rs 250 p.a for institutional
Mobile Banking Password regeneration fee Rs 50
Cheque Returned Due to Insufficient Balance Rs 300.00
Stop Payment Cheque Request Rs 300.00
Standing Instruction (except for loan transaction) Rs. 150.00 per instruction
Installment Basis(3rd Installment) Rs.300
Good for Payment Rs 500.00 per instrument
Courier Service per Consignment
Nepal Rs 100.00 per consignment
India Rs 200.00 per consignment
Other Countries -SAARC Countries­ Rs 500.00, USA -and Others: Rs 2,000.00
SWIFT Charge NPR 500.00
Service Charge (credit facility)
Processing fee for consumer loan 1% on total loan amount
Processing fee for commercial / corporate loan 0.5% on total loan amount
Commitment fee for Term Loan 1.00% on undrawn amount
Prepayment Charge 1.00% on prepaid amount or as specified in product paper(s)
Balance Certificate Rs 750.00 for less than 6 months old accountRs 500.00 for above 6 months old account (Free for Audit Purpose - One Time)
Loss of cheque book Rs 250.00 upto 10 leavesRs. 500 above 10 leaves
FCY Cash Deposit into FCY A/C/ 0.50 % for notes of denominations smaller than 50 (or as per prevailing NRB regulations)
Draft Cancellation/ Stoppage Charges Cancellation with presenting physical Draft : Rs.1000 and applicable SWIFT ChargeStop Payment: Rs 1000 and applicable SWIFT Charges plus USD 10.00 or GBP 50.00 or EURO 40.00 or JPY 5000.00 as applicable.
Cheque book request without cheque requisition slip Rs.100
Statement from other branches and statement reprint charge Free among inside valley branchesRs.100(for statements upto 6 months)Rs. 200 (for statements above 6 months)
Loose Cheque Rs.150 per cheque
NRB Cheque Issuance Rs.300
NRB Cheque/manager cheque /GFP cheque cancellation Rs.200 per cheques
E-banking Password regeneration fee Rs.50 p.a.
Cheque book not collected within 1 year ( to be charged at the time for destruction) Rs.100 upto 10 leaves
Document retrieval charge
  • Free upto 3 months
  • Rs.250 for 3 months to 1 year
  • Rs.500 above 1 year
Ghar Dailo Sewa feee Rs.200 per transaction
Online Fee payment Charge
  • TOEFL,SAT,GRE,GMAT,ACCA,CA etc--- Rs.450 per transaction
  • ICAI Fee Payment--- Rs.100 per transaction
Transaction Banking Fee Rs. 5.00 per Transaction -Rs. 150.00 per deposit payment upto NPR.500,000.00
Commission on Cheque Payment/ Deposit of Other Fis
  • Rs. 150.00 per cheque payment upto NPR.100,000.00
  • Rs. 150.00 per deposite payment upto NPR. 500,000.00
Demat Charges
Demat Account Opening Commission Rs. 50.00
Demat Account Operation Yearly Comm Rs. 100.00 per annum
Demat Securities Transfer Fee Rs. 25.00
Demat Pledging Commission Rs. 50.00
Demat Account Stoppage Commission Rs. 25.00
Demat Re-Materialization Commission Rs. 50.00
ASBA Commission Rs. 100.00 per application

Dimension in inches Key Deposites
H6 W8 D19 Rs.2,000 p.a. Rs.10,000
H6 W16 D19 Rs.2,500 p.a. Rs.10,000
H7 W10 D19 Rs.3,000 p.a. Rs.10,000
H12 W8 D19 Rs.3,500 p.a. Rs.15,000
H7 W21 D19 Rs.4,000 p.a. Rs.15,000
H12 W16 D19 Rs.5,000 p.a. Rs.20,000
H11 W21 D19 Rs.6,000 p.a. Rs.20,000
H15 W21 D19 Rs.7,000 p.a. Rs.25,000

Particulars Fees, Commission & Charges
New Card Issuance(NPR)
Full Payment Rs.750
Installment Basis(1st Installment)1 Rs.300
Installment Basis(2nd Installment) Rs.300
Installment Basis(3rd Installment) Rs.300
New card Issuance(Dollar)
Full Payment Rs.1500
Card Replace (NPR) Rs.300
Card Replace (Dollar) Rs.500
Re-Pin Charge ( NPR/ Dollar) Rs.100
E-Commerce Activation Fee (3D Secure) Rs 100 per year

USD Amount - From To - USD Amount USD Fees
0.00 500.00 10.00
500.01 5,000.00 25.00
5,000.01 10,000.00 30.00
10,000.01 Greater 35.00

Particulars Fees,Commission & Charges
OUTWARD CLEARING CHARGES (ECC)
Cheque below Rs. 200,000 No charge
Cheque above Rs. 200,000.01 Rs. 30 per cheque
FCY Cheque Rs. 30 per cheque
Special Clearing (Express) Rs. 100 per cheque
Late presentment fee Rs. 200 per cheque
INTER BANK PAYMENT CHARGES(IPS)
Structure Details Transaction Amount Based Slab(Fees in NPR)
NPR Transactions - Up to 500 : 2
- >500-5000 : 5
- >5K-50K : 10
- >50K : 15
FCY Transactions 15

SNParticularsExisting Fees, Commission & Charges
1Inter Branch Fax Transfer for Non- Customer0.10% or min. Rs.250
2

(a)

ABBS Charge (inside valley to outside valley and outside valley
to inside valley )for Customer in
  • Rs.100 (All Credit Accounts - No Charge)
    ABBS free among branches with in the same District
  • Up to Rs. 200,000.00 - ABBS free *For Individual accounts only
(b)ABBS Charge for Simikot,Jajarkot and Dolpa Branch
  • ABBS free for all Loan A/Cs
  • Up to Rs. 200,000.00 - ABBS free
  • Above Rs. 200,000.00 - ABBS charge of Rs. 100 or 0.04% whichever is higher.
3DRAFT
aINR Draft0.10% or minimum of Rs 300.00 plus SWIFT Charge of Rs. 500
bNPR Draft0.10% or minimum of Rs 300.00
cUSD Draft0.20% or minimum of Rs 600.00 plus SWIFT Charges of Rs. 500
dGBP Draft

0.20% or minimum of Rs 700.00 plus SWIFT Charges of Rs.500

eEURO Draft0.20% or minimum of Rs 700.00 plus SWIFT Charges of Rs. 500 and additional Euro 25.00
fAUD Draft0.20% or minimum of Rs 700.00 plus SWIFT Charges of IRS. 500. If charges is "OUR" , then additionally, AUD 40.00 to be deducted immediately
4Applicable SWIFT Charges/Activity Fees(Fed/Chips/Book)
aMT 103 (INR)0.10% or minimum of Rs.300.00 plus SWIFT charge of Rs. 500.00. If charges is "OUR" additional charges of INR. 400.00 is to be deducted.
bMTInn Payment(Fed/Chips/Book)USD 15.00
cMTInn Receipts(Fed/Chips/Book)USD 5.00
dMT 103 (USD) (Fed/Chips/Book)0.20% or minimum of Rs 600.00 plus SWIFT Charges of Rs. 500. If charges is "OUR" additional charges as per Notro Bank Charges of this Schedule
eMT 103 (EURO/GBP) (Fed/Chips/Book)0.20% or minimum of Rs 700.00 plus SWIFT Charges of Rs. 500. If charges is "OUR" , then additionallly, EURO/GBP 25.00 to be deducted immediately and EURO/GBP 25.00 to held in the account
fMT 103 (JPY) (Fed/Chips/Book)0.20% or minimum of Rs 700.00 plus SWIFT Charges of Rs. 500. If charges is "OUR I', then additionally, JPY 3,000.00 to be deducted immediately and JPY 10,000 to held in the account
gMT 103 (Al-JD)0.20% or minimum of Rs 700.00 plus SWIFT Charges of Rs. 500. If charges is "OUR" , then additionally, AUD 40.00 to be deducted immediately
5Manager's Cheque (MC) at Customer's RequestRs 500.00 flat
6Inward Remittance Transfer to Other Banks in Nepal0.10% or minimum of Rs.150.00
7TC Purchase0.5% or minimum of Rs. 1000 Bank Commission

1.00% NOSTRO bank processing charge

8Cash Management Service (CMS) FeesCharge of NPR 150 or 0.025% of the amount remitted whichever is higher per deposit/ transaction shall be deducted as commission and all other charges associated with the in-house collection.

CMS set up free of NPR 500 per client will changer one time for using the CMS service.

NPR 160/- flat per return instrument plus interest at our prevailing PI-R plus 4% for the period HDFC Bank is out of fund on account of such instruments.