All SEVPs / Cheif of Groups/Divisional Heads/Wings/Department of Head Office.
All Regional, Heads / Gms / RCOs / RMs CAD All Regional Audit Chiefs / Director Staff Collages / JNMDC. All General Managers / Chief Managers / Branch Managers(Domestic & Corporate) Operations Managers. SCHEDULE OF BANK CHARGES (REVISED) S P M (REVISED) CHAPTER - II INSTRUCTION CIRCULAR NO. 127 / 2013 DECEMBER 20, 2013 HEAD OFFICE KARACHI National Bank of Pakistan SENIOR VICE PRESIDENT OPERATIONS GROUP A copy of revised Schedule of Bank Charges is encl osed f or i mpl ement at i on by al l st Branches/Offices from 1 January 2014. The Schedule of Bank Charges will remain operative until revised. Requisite number of photocopies of the Schedule of Bank Charges may be taken out and supplied to the officials concerned at Branches for meticulous compliance. Branch Managers should also keep a copy in their custody for ready reference. A copy of the same should also be placed on the Branch Notice Board. th In terms of SBP BCD Circular No. 7 dated 28 March, 1984 and Prudential Regulation circulated vide BCD Circular No. 15 of 1992, all branches are required to make the above Schedule of Bank Charges available to their constituents at least 7 days before the commencement of the relevant half year. Please ensure its availability well before last week of December 2013. CONTENTS DOMESTIC BANKING S. No. DESCRIPTION Page # 1 REMITTANCES 1.1 Issuance of Drafts, MTs, & TTs: 1.2 Issuance of Duplicate Draft. 1.3 Cancellation 1.4 Inter Branch Transaction 2 PAY ORDER 2.1 Issuance of pay order:- 2.2 Issuance of duplicate Pay order 2.3 Cancellation 3 CALL DEPOSIT RECEIPT 3.1 Issuance of Call Deposit Receipt 3.2 Issuance of Duplicate Call Deposit Receipt 4 INLAND LETTERS OF CREDIT 4.1 Opening of LC 4.2 Amendment Charges 4.3 Advising/Amendment/Confirmation 4.4 Inland L/C cancellation charges 5 BILLS 5.1 Collection 5.2 Mark-up on bills purchased/negotiated. 5.3 Documentary bills drawn against Inland Letters of Credit. 5.4 Sight Bills 5.5 Usance Bills 6 PROJECT FINANCES/ADVANCES 6.1 Project Application Fee (Non-refundable) 6.2 Miscellaneous Reports 6.3 Miscellaneous) Charges for issuance of NOC 6.4 Redemption 7 GODOWN CHARGES 7.1 Godown Inspection Charges. 7.2 Delivery Charges:- 7.3 Other incidental expenses: 7.4 Marking of Lien, Govt Securities 7.5 Marking of Lien, NBP Securities 8 STANDING INSTRUCTIONS FEE . 9 SALE AND PURCHASE OF SECURITIES SAFE CUSTODY ARTICLES IN SAFE DEPOSITS & SAFE DEPOSIT LOCKERS. 9.1 Sale and purchase of shares and Securities 9.2 Shares & Securities held in safe custody 9.3 Withdrawal fee on shares and securities 9.4 Withdrawal fee on Government Securities. 9.5 Charges for collection of interest/ return / dividend. 9.6 Handling Charges 9.7 Public Flotation of Shares 9.8 Payment of Dividend Warrants 10 SAFE CUSTODY ARTICLES IN SAFE-DEPOSIT LOCKERS. 10.1 Safe Deposit Lockers Fee for Safe Deposit lockers 10.2 Key Deposit 10.3 Breaking Charges. 10.4 Service charges for investment in PIBs 11 GUARANTEES. 11.1 Charges for borrowing customers. 11.2 Guarantees issued to shipping companies 11.3 Guarantees issued to Collector of Custom 11.4 Issuance of foreign guarantees 11.5 L/G under Suppliers/Buyers Credit 11.6 L/G under taking to be issuedfor providing forward cover 11.7 Other Guarantees 11.8 Guarantees issued against collateralization of FC deposit. 1 1 1 2 2 3 3 3 4 4 4 5 5 5 6 6 7 7 8 8 9 10 1 1 1 1 1 1 1 1 1 2 2 2 2 2 6 6 6 6 6 7 7 7 7 7 7 7 8 8 8 8 8 8 8 9 9 9 12 NBP SAIBAN HOUSING SCHEME 12.1 Processing Fee for Govt. Employees 12.2 Processing Fee for Others 12.3 Other Costs 10 10 10 10 13 NBP ADVANCE SALARY " 16 BANK CHARGES FOR GOVERNMENT BUSINESS. 16.1 IMPORT INTERNATIONAL BANKING 19 IMPORTS 19.1 Letter of Credit. 19.2 Non-reimbursable Letter of Credit 19.3 Mark-up in case of FIM 19.4 Import Bills returned unpaid 19.5 Services Charges on retirement of Import bills 20 EXPORTS 20.1 Processing Charges for Export Registration. 20.2 Letter of Credit. 20.3 Collection. 20.4 Duty draw back claims. 20.5 Local US Dollar Instruments Collection 20.6 Transfer of Export Proceeds/ Remittances to other Banks 20.7 Export Proceeds Realizations under FBPN 21 REMITTANCES 21.1 Outward 21.2 Inward 22 MISCELLANEOUS. 22.1 Postage (Ordinary) 22.2 Postage (Registered) 22.3 Fax / Telephone 22.4 Swift 22.5 Courier 22.6 Issuance of proceeds certificate beyond one Year. 22.7 Issuance of Business Performance certificate 12 12 16 16 16 18 19 19 20 20 21 21 23 24 24 24 24 24 21 21 21 20 20 20 14 ATM FACILITY 14.1 Annual Renewal Fee 14.2 Transaction cost for NBP Customer 14.3 Balance Inquiry 14.4 ATM Card Lost / Replacement Charges 14.5 ATM Card Pin Re-issuance Charges 15 TARIFF FOR CORPORATE CUSTOMERS & MNCS 12 11 17 MISCELLANEOUS CHARGES 17.1 Service Charges on Current Accounts 17.2 Service Charges on Foreign Currency Accounts 17.3 Duplicate/Additional statements of account 17.4 Issuance of SBP/NBP Cheques. 17.5 Stop payment of cheque 17.6 Clearance of Cheques 17.7 Collection/encashment of profit coupons 17.8 Verification of test for other banks/parties 17.9 Credit information report 17.10 Registration of contract with SBP 17.11 Confirmation of balances to auditors. 17.12 Balance Confirmation Certificate 17.13 Issuance of new cheque book in lieu of lost 17.14 Account closing charges 17.15 Issuance of Cheque Book 17.16 Charges from employer on Salary Disbursement Services 17.17 Inland Travellers Cheque 17.18 Authorities to encash cheques. 17.19 PRISM Transaction Charges 17.20 Special Same Day Clearing through NIFT 17.21 Premature Encashment of PKR & FC TDR 12 13 13 14 15 14 14 14 14 13 13 13 13 13 13 13 13 13 13 13 12 12 24 24 24 18 WAIVER OF CHARGES 15 11 11 11 11 11 11 RTGS Charges 14 14 14 14 14 12.4 Property Taxes 12.5 Penalties 12.6 Early Payments: 11 11 11 Armed License Fee Trafic Challan Bank Certificate for the perpose of Visa,Income Tax,etc 17.22 17.23 Utility Bills Commission Gas /Electricity / 17.24 17.25 17.26 20/12/2013 Syeedprinter-000/2014 1 DOMESTIC BANKING REMITTANCES 1.1 Issuance of Drafts, MTs, & TTs: 1.1.1 For Account Holders: a Upto Rs.100,000/- 0.10% Minimum Rs. 100/- b Upto Rs.1,000,000/- 0.05% Minimum Rs.150/- c Over Rs.1,000,000/- 0.04% Minimum Rs.500/- 1.1.2 For Non-Account Holders: a Upto Rs.100,000/- 0.10% Minimum Rs.200/- b Upto Rs.1,000,000/- 0.05% Minimum Rs.200/- c Over Rs.1,000,000/- 0.04% Minimum Rs.800/- 1 1.2 Issuance of Duplicate Draft. (i) For account holders Rs.300/- (ii) For non account holders Rs.300/- (iii) Fax Charges on TTs. Actual, Minimum Rs.100/- ( or SWIFT charges) (iv) Telephone charges on Rs.100/- (Flat) issuance of T.Ts (v) Postage on MTs. Actual, Minimum Rs.30/- if sent by Registered post locally, Rs.50/- if sent by Registered post Inland on partys request (vi) Courier Charges. Local Rs.50/- Inland Rs.70/- 1.3 Cancellation (i) For Account holder Rs.125/- (Flat) (ii) For Non-Account holder Rs.150/- (Flat) 1.4 Inter Branch Transaction 1.4.1 Fund Transfer Within City Rs.50/- Outstation Rs. 100/- 1.4.2 Cash Transactions Withdrawal Rs.50/- Deposits Rs.50/- 1.4.3 Statement of Account Rs.35/- 1.1.3 Issuance of T.T. For Scheduled Bank / Financial Institutions - 0.04% 2 PAY ORDER 2.1 Issuance of Pay Order:- 2.1.1 For Account holder Rs.100/- (Flat) 2.1.2 For Non-Account holder Rs.200/-(Flat) Rs.25/- (Flat ) from student for payment of fee favouring educational institution 2.2 Issuance of Duplicate Pay Order 2.2.1 For Account holder Rs.170/- (Flat) 2.2.2 For Non-Account holder. Rs.200/-(Flat) 2.3 Cancellation (i) For Account holder Rs.100/- (ii) For Non-Account holder Rs.200/- 3 CALL DEPOSIT RECEIPT 3.1 Issuance of Call Deposit Receipt 3.1.1 For Account holder Rs.100/- 3.1.2 For Non Account holder Rs.200/- 1.1.4 For Students depositing fees/dues of educational Institutions, HEC/Board etc 0.50% of fees/dues or Rs 25/- per instrument which ever is less 2.1.3 For Students depositing fees/dues of educational Institutions, HEC/Board etc 0.50% of fees/dues or Rs 25/- per instrument which ever is less (Bank charges/commission given hereunder are exclusive of any FED/Taxes applicable as per Law) Schedule of Bank Charges 2 4 4.1 Opening of L/C per quarter Annual Business or part thereof Upto Rs.50 (M) 0.35% Upto Rs.75(M) 0.35% Upto Rs.100(M) 0.25% Above 100 (M) As per prior writhen arrangement with client Minimum Rs.1,500/= 4.2 Amendment Charges Without increase in amount or extension in period of shipment Rs.900/- (Flat) Involving increase in amount and/or extension in period of . shipment Rs.1000/- per transaction/commission as per item 4.1 4.3 Advising/Amendment/Confirmation Charges of (Inward) Inland L/Cs. Same as applicable in case of Above Rs.500(M) Export L/Cs Rs.1000/- (Flat). Note Charges negotiable on case to case basis under approval of Business Group Head. 4.4 Inland L/C cancellation Rs.900/- (Flat) charges INLAND LETTERS OF CREDIT 5 BILLS 5.1 Collection 5.1.1 Documentary Bills. 0.40% Minimum Rs.500/- plus postage/courier charges. 5.1.2 Clean (including cheques/ 0.20% Minimum Rs.100/- plus dividend warrants / postage/courier charges as mentioned bank drafts etc) above. Maximum Rs10,000/- Note Note 5.1.3 For NBP own cheques/ 0.15% Minimum Rs.75/- plus DD/PO applicable postage/courier. Maximum Rs5,000/- 5.1.4 Purchase of bills, cheques etc. (i) Documentary Bills other 0.25% Minimum Rs.300/- plus than those drawn against applicable postage/courier Letters of Credit No commission should be charged on out station cheques, drawn on places where there is an office of the bank, which are received from Government Departments for credit to Government Account. This waiver does not apply to outstation tendered by the PUBLIC in payment of Government dues upon cheques which the Banks usual charges should be levied. As per Zakat & Ushr Ordinance 1980, (Amended in 1997) banking services and services connected with the assessment collection or disbursement of Zakat & Ushr realizable on compulsory basis under this ordinance are to be rendered free of charge. Hence no collection charges shall be recovered on cheques drawn on Central Zakat Fund for crediting to account of their beneficiary. 3.2 Issuance of Duplicate Call Deposit Receipt 3.2.1 For Account holder Rs.175/- 3.2.2 For Non Account holder Rs.250/- Schedule of Bank Charges 3 (ii) Clean Bills (trade cheques, 0.40% Minimum Rs.200/- plus bank draft etc.) applicable postage/courier charges . Maximum Rs5,000/- NOTE: Postage/Courier Charges are to be recovered on collection/ (a) realization of each instrument (whether clean or documentary) However, in case where party has deposited more than one cheque/ instrument on a particular date to be collected/drawn on the same branch of the Bank, postage/courier charges are to be recovered (once only.) (b) Collection of cheque of small amount may be effected through normal dak (other than courier) if specially requested by the party in writing for which he will be responsible for the delay. (c ) Other cheques/demand 0.60% Minimum Rs.20/- instruments (Like dividend warrants). (d) Collecting agents charges if the Collecting bank is other than the Bank will be extra. (e) Telephone Charges will be extra, if fate of the instruments is asked for by (f) Returning Charges for Rs.300/- +Courier Charges as above Documentary & Clean (Documentary) Collections,In case the Rs.150/-+Courier Charges as above instruments are returned (Clean). unpaid. 5.2 Mark-up on bills purchased/ Negotiated. If retired upto 21st days KIBOR + 2.5% p.a. from the date of purchase but during next 210 days Storage Charges. as per written arrangement with client i)
No Charges if cleared within 3 days of its receipt by the Branch. ii )
Rs. 1/- per packet per day Min. Rs.50/- 5.3 Documentary bills drawn Charges for borrowing against Inland Letters of credit. customers as per arrangements 5.4 Sight Bills 5.4.1 Negotiating end Negotiating Commission @ 0.50% Min. Rs.550/- 5.4.2 Collection Charges Rs.550/- (Flat) (Inland L/Cs) 5.4.3 Collection Charges Rs.550/- (Flat) for restricted L/C (where Negotiation is restricted to some other Banks and presented to us for forwarding). 5.4.4 At opening end (at the time of retirement) rate of Mark-up. (a) If retired within 3 days Mark-up @ 45 Paisas per Rs.1,000/- from the date of lodgment on daily product from the date of negotiation. Telephone 4 Following charges will be recovered in addition to mark- up/ Ret urn on Invest ment Miscellaneous (i.e. charges for documentation, evaluation of security and maintenance there of etc.) 6 PROJECT FINANCES/GENERAL FINANCING 6.1 Project Application Fee (Non-refundable) Following Charges may be recovered in-addition to interest/mark-up return on investment. 1 2 At actual, in addition: Project examination fee @ 0.50% (flat) after acceptance of sanction by the company but before disbursement of the total amount of sanction (Funded and Non Funded Both) Minimum Rs.15,000/- Legal documentation fee. @ 0.25% Flat after acceptance of sanction by the company but before disbursement of the total amount of sanction (Funded and Non Funded Both) 5.5 Usance Bills 5.5.1 At opening end (a) Handling Charges. Rs.0.40% per bill Minimum Rs.600/- at the time of retirement of bill (b) If bills matures after Usual charges as in (a) above plus expiry of L/C delivery of documents against acceptance commission @ 0.10% per month on bill amount on realisation from the date of delivery / acceptance of documents, but minimum Rs.500/-. 5.5.2 At Collecting end. (a) Collection Charges Commission @ 0.35% Minimum Rs. 400/- (b) In case of purchase. Usual Commission as in (a) above and keep mark down @ 0.75% for every 15 days from the date of purchase till the date of maturity. (c ) Discounting of Inland Mark-up @ 44 paisa per Rs.1000/- Usance Bills on daily product basis (or as per prior written arrangement with client) plus flat commission @ 0.2%. Note All other charges as per quote (5.4.4.a) & (5.4.4.b) and ( 5.5.2.c ) above wherever applicable will be extra. (b) If retired after 3 days of Mark-up @ 45 Paisas per Rs.1,000/- lodgement on daily product plus Banks Commission @ 0.25% Note 5.4.5 If negotiation is restricted Forwarding Bank/Branchwould to some other bank charge handling charges of Rs.300/- (Flat) per bill (commission will not be applicable). Schedule of Bank Charges No mark-up will be charged from the date of negotiation till the date of lodgment of documents received under Inland L/Cs where the payment as per reimbursement arrangement is made to the negotiating bank only on receipt of documents. Inst. Cir.No. 000 / 2013 At actual, Minimum Rs. 400/- Rs. 125/- Flat Others Rs. 200/- Flat Rs. 3,000/- (SME, Commercial corporate and other consumers) Inst. Cir.No. 000 / 2013 (d) To arrange lien on securities Rs.500/- per trip. issued by other Institutions 7 GODOWN CHARGES (i) Godown Rent. Actual (ii) Salaries of Godown Keepers / Chowkidars Actual 7.1 Godown Inspection Charges. Actual Treatment a Without any municipal limit. Debit to party account if Godown Inspection Charges are upto 500/- .Rs for payment to staff. Debit to party and credit to bank Income Account if Inspection charges are more than Rs.500/- and reimbursement of TA/DA charges through debit to Expenditure Account with the approval of Competent Authority. Note No such charges will be recovered from the parties if Inspection of Godown by Regional/ Head Office Auditors / External Auditors and occasional surprise checking by Regional Headquarters etc. as it is a part of normal bank duty. 7.2 Delivery Charges If a godown keeper is not posted Conveyance Charges will be recovered. Actual. 6 Note While recovering the miscellaneous charges like godown rent, godown staff salary, inspection charges the amount recovered from the borrowers shall not exceed the total rent of godown, salary of the godown staff etc. In other words miscellaneous charges should be levied as per actual and not become a source of profit to the bank. However, reimbursement of actual conveyance charges to be made to concerned staff to the debit of Expenses Account after proper approval of the competent authority. 7.3 Other incidental expenses: Insurance premia. Legal Charges. Actual Actual 7.4 Handling charges on marking of lien on Govt. Rs.600/- (Flat) per customer (to be recovered by the Branch Securities where the loan is applied) 7.5 Marking of lien on Securities issued by NBP for other banks Rs.550/- (Flat) per customer Inst. Cir.No. 000 / 2013 Schedule of Bank Charges 8 STANDING INSTRUCTIONS FEE Rs.200/- per transaction. Standing Instructions fee will be recovered in addition to the usual charges on remittances, if any. 9 SALE AND PURCHASE OF SECURITIES SAFE CUSTODY ARTICLES IN SAFE DEPOSITS & SAFE DEPOSIT LOCKERS. 9.1 Sale and purchase of shares and Securities a. Rs.0.50% upto Rs.10,000/- of purchase price or cost thereof Minimum Rs.50/- b. Rs.0.10% on amount exceeding Rs.10,000/- - Minimum Rs.75/ 9.2 Rs.0.50% (Flat) per annum or part thereof of the face value with the minimum of Rs.300/- Shares & Securities held in safe custody as a result of order of purchase executed through the bank (To be recovered up front) Note The above charges is in addition to brokerage. Commission is not to be recovered on purchase of newly floated securities, where it is payable by the Govt./ Govt. Agencies and from the subscribers to new shares floatation. When orders for purchase or sale of shares/ securities are executed through the banks, other offices, all incidental expenses . such as postage, insurance charges etc., incurred will be recovered in addition to the commission / brokerage charges. A rebate of 50% in Safe Custody Charges will be applicable to all clients maintaining Minimum balance of Rs.1 billion or above throughout the year in NIDA Account. 7 9.3 Withdrawal fee on shares and securities held in Safe custody (to be recovered at the time of withdrawal.) a. 0.25% upto Rs.10,000/- of the paid up or face value, Minimum Rs.50/- b. 0.125% on amount exceeding Rs.10,000/- Rs.10/- per scrip 9.4 Withdrawal fee on Government Securities. Note Where share and/or securities sold are from those held in safe custody, either commission on sale of shares and securities as shown against item (9.1) or withdrawal fees as shown against item (9.3) whichever is higher, will be charged but not both. 9.5 Charges for collection of interest/ return / dividend. 0.30% on the amount of interest/ return/ dividend collected/ paid, Minimum Rs.20/- 9.6 Handling Charges for conversion, renewal, Rs.10/- per Scrip. consolidation or Sub-division of Government. Securities 9.7 Public Flotation of Shares/ Modaraba Certificates/ Offer for Sale of Shares/Dis- investment/Term Finance Certificates Commission*@ 0.50% plus Out of Pocket Expenses - Actual 9.8 Payment of Dividend Warrants through Commission* @ 0.50% plus Out of Pocket Expenses designated branches. - Actual. *Commission negotiable on case to case basis. Inst. Cir.No. 000 / 2013 Schedule of Bank Charges
10 SAFE CUSTODY ARTICLES IN SAFE-DEPOSIT LOCKERS. (i) For Boxes and Packages. Rs.4/- per 100 cubic inches or any part thereof with a Minimum of Rs.300/- per quarter. (ii) Rs.2/- per 25 square inches or any part thereof with a minimum of Rs.300/- 10.1 (i) Upto 0.41 cft Small Rs.2,400/- per annum (ii) From 0.42 to 0.80 cft From 0.82 to 1.35 cft Medium Rs.5,000/- per annum (iii) From 1.36 to 1.75 cft From 1.76 to 2.00 cft Large Rs.10,000/- per annum (iv) From 2.01 to 2.50 cft From 2.51 to 3.00 cft Extra- Large Rs.12,000/- per annum For Envelopes. (Contents unknown) Safe Deposit Lockers Fee for Safe Deposit lockers in advance or at the commencement of the period yearly, half yearly, quarterly as the case may be.) (to be recovered Safe Deposit fee (to be recovered in advance at the time of deposit or at the commencement of each Quarter) 8 10.4 Service charges for investment in Pakistan Investment Bonds (PIB) Custodial charges. NIL 10.2 Key Deposit (i) Small Rs.4,000/- (ii) Medium Rs.5,000/- (iii) Large Rs.6,000/- (iv) Extra Large Rs.8,000/- 10.3 Breaking Charges. Rs.3,000/- per locker or Actual Note Deposit will apply at the time of issuance of new locker 11 GUARANTEES. 11.1 Charges for borrowing customers. As per arrangement 11.2 Rs.1,300/- (Flat) 11.3 0.55% per quarter or part thereof charges 0.20% per quarter or part there of in case of 100% cash margin charges 0.30% per quarter or part there of in case of lien Minimum Rs.1000/- or As per prior writhen arrangement with client Guarantees issued to shipping companies in lieu of Bills of Lading or endorsement of copy of Airways Bills in absence of original Airways Bill. Guarantees issued to Collector of Custom in lieu of payment of Export Duty which are valid upto 6 months Inst. Cir.No. 000 / 2013 Schedule of Bank Charges 9 11.5 L/G under Suppliers/ Buyers Credit Pay as You Earn Scheme Commission @ 0.40% per quarter or part thereof (at the time of issuance of L/G it is to be charged on full amount of L/G liability plus interest payable thereon for the period from the date of issuance of LG/ till the expiry of L/G thereafter commission is to be recovered on six monthly basis on outstanding/reducing liability as per revised Schedule of charges applicable on that date.) In case forward cover is provided a g a i n s t L / G u n d e r Suppliers/Buyers Credit, L/G commission should be recovered at booking rate for which liability voucher is to be passed. This is due to the fact that exchange fee is being recovered in advance. 11.4 0.40% per quarter or part thereof Minimum Rs.1,000/- plus correspondent bank charges if any. Swift/ US$ 20/-per /Swift message Postage US$ 10/- per postage Amendments in (11.4) above. US$ 20/- per transaction (flat) if amendment involves increase in amount or extension in period, in. addition to commission as above Issuance of foreign guarantees (i.e beneficiaries in foreign countries) directly or through correspondent bank/banks foreign branch/offices 11.7 Other Guarantees Based on volume during a Calendar Year: Upto (a) Rs. 15 (M) 0.40% per Qtr or part thereof (b) Rs. 30 (M) 0.30% per Qtr or part thereof (c) Rs. 50 (M) 0.25% per Qtr or part thereof (d) Rs. 100 (M) 0.20% per Qtr or part thereof (e) Above Rs. 100 (M) Negotiable 11.6 L/G commission to be charged @ 1.6% per annum to reducing liability on booked rate Minimum rs.1,000/- In case of L/G under taking to be issued favouring any bank for providing forward cover exchange risk under Suppliers/Buyers credit on behalf of applicant. Inst. Cir.No. 000 / 2013 Schedule of Bank Charges 10 11.8 Guarantees issued against collateralization of deposit. foreign currency Minimum commission Rs.1,000/- per annum per guarantee wherever guarantee validity is less than one year. (i) Deposit upto US$ 500,000/- 0.25% per quarter or part there Minimum Rs.1,500/ - (1% per annum) of (ii) Deposit more than US$ 500,000/- upto 5,000,000/- 0.125% per quarter or part thereof Minimum Rs.1500/- (0.5% per annum) Note (i) (ii) (iii) (iv) All Guarantees issued by bank must contain specific amount and expiry date and commission to be charged from the date of issue till expiry of the L/G up front. If period of Bank Guarantee exceeds one year than commission be recovered on year to year basis. For calculation purpose a quarter would consist of 3 months starting from the date of issue of Guarantee (Three calendar months will make one quarter) Charges may be waived against 100% cash margin kept in margin account.
(iii) Deposit more than US$ 5,000,000/- Nil (iv) Amendments Rs.300/- per amendment (Flat) or 0.40% per quarter or part thereof if amendment involves increase in amount or extension in validity Minimum Rs.500/- Schedule of Bank Charges 12 NBP SAIBAN HOUSING SCHEME 12.1 Processing Fee for Govt. Employees (Irrespective of loan amount) Rs.1,500/- 12.3 Other Costs (i) Income Estimation Rs.5,000/- (ii) Lawyers Fee (Stage-I) Rs.2,000/- (iii) Lawyers Fee (Stage-2) Rs.2,500/- to Rs.3,500/- (iv) Valuators Fee Rs.3,000/- to Rs.4,000/- (v) Valuators Fee for Construction and LPC Cases. Rs.2,000/- to Rs.5,000/- and Rs.800/- to Rs.1,500/- Per Visit Note Please note that Fees on different stages varies from Region to Region. All Stamp Duties, Legal Charges, Documentation, Govt. Duties, Levies and other applicable charges and duties shall be borne and paid by the customer to the service provider/Govt. Dept. 12.2 Processing Fee for Others: (i) Up to Rs.1,000,000/- Rs.1,000/- (ii) Above Rs.1,000,000/- and up to Rs.4,000,000/- Rs.3,000/- (iii) Above Rs.4,000,000/- Rs.6,000/- Inst. Cir.No. 000 / 2013 Schedule of Bank Charges 12.4 Property Taxes At Actual 12.5 Service Charges (i) In case of late payment, up to Rs.10,000/-. Rs.5/- per day for overdue/defaulted installment. (ii) Amount from Rs.10,001/- up to Rs.20,000/-. Rs.10/- per day for overdue/defaulted installment. (iii) Rs.15/- per day for overdue/defaulted installment. exceeds Rs.20,000/- and so on. (iv) In case of Returned Cheques, Charges for cheques returned unpaid will be recovered as per Banks approved schedule of charges. (v) In case of delay in construction a Delay of 1 to 89 days No Penalty b Delay of 90 to 119 days 1% of outstanding amount c Delay of 120 + days Recall Finance. (with the prior approval of Head Office) 12.6 Early Payments: Prepayment of finance account, full or partial within 5 years.will be subject to early redemption charges @ 2% of the amount being prepaid In case of beyond 5 years, no early redemption charges .will be levied 13 NBP ADVANCE SALARY" i Processing fees ii Verification Charges 11 iii E-CIB Report Charges Included in Processing fee iv Documentation Charges At actual In case when Physical, tele- phonic Varification of apply cant & DDO verification is done. Actual toVerification Agency (Presently Rs. 450/-) a In case when only DDO Verification is done. b Actual toVerification Agency (Presently Rs. 125/-) Rs.1800/- or 1.5% of Loan Amount (Whichever is higher) 14 ATM FACILITY 14.1 ATM card will be issued free of cost. However, annual renewal fee of Rs.300/- will be charged. Transaction cost for NBP customer using another bank ATM under 1-LINK ATM/MNET ATM SWITCH Service Balance Inquiry Rs.15/- per transaction Free, in case of using 1-Link ATM, Rs.5/- in case of using MNET ATM. ATM Card Lost / Replacement Charges ATM Card Pin Re-issuance Charges Rs. 200/-. Rs. 100/-. 14.2 14.3 14.4 14.5 Annual Renewal Fee Inst. Cir.No. 000 / 2013 15 TARIFF FOR CORPORATE CUSTOMERS & MNCS With aggregate exposure of over Rs.500/- Million (Both funded and non funded) and in case of all MNCs L/C Opening guarantee issuance and remittance (Funds transfer) charges. As per negotiation with the customer. Note The above concessionary rates/charges will apply only to those Letters of Credit which cover imports by the Government routed through State Bank of Pakistan. In case LC is received directly from the importing agency, normal charges are to be recovered. c In addition to above, branches will recover the actual / wift charges where LCs are desired to be established through swift and confirmation charges of foreign banks if foreign banks confirmation is also to be added on openers request. s 16 BANK CHARGES FOR GOVERNMENT BUSINESS. 16.1 IMPORT a Cash Letters of Credit Less than Rs.250,000/- 1/8% (0.125%) of the value of the letter of credit. Rs.250,000/- and above. 1/16% (0.0625%) of the value of the letter of credit. b Non-reimbursable letter of credit under Barter /Aid loans/Authorization to pay. 3/8% (0.375%) irrespective of the value of the letter of credit. 17 MISCELLANEOUS CHARGES 17.1 Service Charges on Current Accounts (excluding Accounts that have been classified/ marked/ flagged as dormant, inoperative or unclaimed) with monthly average balance below Rs.5000/-. Rs.50/- per month 17.2 Service Charges on Foreign Currency Accounts (exclu- ding Accounts that have been classified/ marked/flagged as dormant,inoperative or unclaimed)with monthly average balance below US$1,000/-
or equivalent amount in other Foreign Currencies. US$ 3/- per month or equivalent in other currencies. (Service Charges not applicable to Foreign currency accounts of NBP employees[in service or retired] or their spouses) Schedule of Bank Charges 12 Inst. Cir.No. 000 / 2013 13 17.3 Duplicate/Additional statements of account Rs.35/- per statement of account 17.4 Issuance of SBP/NBP Cheques. Rs.300/- per cheque EXTRA. Stop payment charges are to be levied one time for stop payment instructions whether it is for one or more cheques. 17.5 Stop payment of cheque Rupee A/c Rs.200/- per instruction. F.C A/c US$ 5/- per instruction 17.6 Clearance of Cheques where Clearing House Facility not established. No Charges. 17.7 Collection/encashment of profit coupons on Govt/ Saving Centers under lien to us Rs.200/- per trip. 17.8 Verification of test for other banks/parties 17.9 Credit information report including credit report on foreign suppliers/ buyers. 17.10 Registration of contract with SBP in respect of private foreign currency loan obtained by borrowers in Pakistan from foreign lenders Rs.250/- (Flat) Foreign correspondent/reporting agencies charges at actual + SWIFT Charges. Handling charges Rs.5,000/- (Flat.) 17.11 Confirmation of balances to auditors. Rs.400/- 17.12 Balance Confirmation Certificate (required by Rs.100/- per certificate USD2/- or equivalent in other currencies. customers other than auditors) 17.13 Issuance of new cheque book in lieu of lost Rs.100/- per request plus excise duty if any.US$ 2/- in F.C Account. cheque book (Rupee A/c only). These Charges are in addition to stop payment charges as prescribed above. 17.14 US$ 5/- for Foreign Currency or cntire amount is below US$5/- No charges on closing of old frozen FC Accounts 17.15
Rs. 5/- per leaf ( plus excise duty if any ) Actual. Account closing charges Issuance of Cheque Book Mailing charges for Cheque Book Schedule of Bank Charges Inst. Cir.No. 000 / 2013 14 17.16 Note No Charges will be recovered from customers maintaining deposit balances of US$ 25,000/- and above or equivalent of Rs.1.00 (M) and Bank Staff are also exempt from levy of this charge. Charges from employer on Salary Disbursement Services. Rs.50/- per salary account per month. Note 17.17 Inland Travellers Cheque (other than NBP if any) 0.25% Minimum Rs.25/- 17.18 Authorities to encash cheques No commission by issuing branch but charges on purchase of cheques will be recovered @ 0.80% Minimum Rs.25/-plus Courier Charges. A number of Commercial Organizations (other than Govt.and Semi- Govt. and Autonomous Bodies) disburse salary to their employees through our branches. Where such organizations do not maintain sufficient funds or route sufficient business through our bank to justify workload of salary disbursement, bank is justified to claim charges from them for the additional workload. We can not charge individual accounts under Prudential Regulations. We can however, charge the employers where they do not maintain sufficient funds nor route ancillary business through our bank. We must charge them for disbursement of salary to their employees. Inst. Cir.No. 000 / 2013 17.19 PRISM Transaction Charges (i) All Interbank Fund Tranfers (IFTs) Rs200/- from Remitting Bank. including customer Transfers (RTGS) (ii) Government Securites Transactions Rs 200/- From Buyer of Securities (excluding Transaction with SBP) (Bank Sending MT-541) 17.20 Special Same Day Clearing through Rs.300/- per instrument. NIFT for cheques over 0.5 (M) Note Collection charges will not be recovered on cheques drawn on cities within catchment area of same NIFT office and will be handled as local clearing E.g. Islamabad & Rawalpindi Schedule of Bank Charges 17.21 RTGS Charges Rs.50/- per Transaction Armed License Fee Rs. 30/- along with Rs. 20/- along with Trafic Challan Utility Bills Commission Gas /Electricity / Rs. 8/- As per agreement with utility companies Bank Certificate for the perpose of Visa,Income- Tax,etc Rs. 250/- Flat per certificate 17.22 17.23 17.24 17.25 15 Inst. Cir.No. 000 / 2013 Schedule of Bank Charges 18 WAIVER OF CHARGES For customers maintaining Monhly Average Balance of Rs2.000 (M) and above in Current Account or Rs5.000 (M) and above in PLS Savings Account/NIDA Account. 18.1 Commission on DD/TT/MT & pay orders 18.5 18.6 Issuance of Duplicate statement of account older than one year. 18.7 Issuance of loose cheques. 18.8 Commission on Overseas Bills/Inland Bills for collection business. (Subject to recovery of postage, courier, fax, SWIFT Telephone charges wherever applicable. Issuance of new cheque book in lieu of lost cheque book 18.2 Cancellation/Issuance/Duplicate Pay orders 18.3 Cheques returned unpaid 18.4 Stop payment of cheques 17.26 Premature Encashment Policy The Bank reserves the right to refuse any request for early encashment (premature encashment) of term deposit before its agreed maturity date. In the event that the bank agrees to a customers request for premature encashment, the withdrawal of a term deposit (fully or partially) befor maturity will be subject to premature encashment penalty and associated costs / charges can be deducted from the accrued profit thereon. The cost / charges of penalty in case of early termination shall be determined as follows: 1. Profit Rate: Rate of profit prevailing on date of placement or at the date of premature encashment whichever is lower will be used for calculating profit for the period completed till the date preceding the date of premature termination. 2. Premature Encashment Penalty Rate: The premature penalty rate is applicable on principle amount being encashed based on remaining days of the period as follows: encashment If remaining period is a year or less than one year, 0.50% of the principle amount on the remaining period. If the remaining period is greater than one year than 1% of the principle amount on the remaining period. In case the penalty amount is greater than the profit paid / payable, no profit willbe paid to the customer and only the principal will be paid. Any differential in withholding tax or other govemment levies ( arising out of higher retum paid to the customer earlier i.e. monthly, quarterly etc based on the payout option and the original tenure) will not be refunded by the bank. If the certificate is placed for 7 days / 14 days or 1 month and the same is encashed before maturity, then the prevailing profit rate applicable on PLS Saving Accounts will be paid at the time of premature encashment. In case of monthly / quarterly or half-yearly pay-out, if the payment amount exceeds the profit paid, the gross profit (aiready paid) will be recovered from the customer. Federal Excise Duty (FED) and all other applicable Government levies on any specified service will be charged in addition to the charges mentioned here, if not mentioned otherwise. Note 16 19 IMPORTS 19.1 LETTER OF CREDIT ANNUAL VOLUME DURING A CALENDAR YEAR 19.1.1 Opening of cash Letters of Credit. Ist Qtr. Each Sub. Or part Qtr or part thereof thereof. a Upto Rs.20 (M) 0.40% 0.20% b Upto Rs.50 (M) 0.35% 0.20% c Upto Rs.100 (M) 0.30% 0.20% d Upto Rs.250 (M) 0.25% 0.20% e Upto Rs.500 (M) 0.20% 0.15% f Upto Rs.1,000 (M) 0.15% 0.10% g Above Rs.1,000 (M) 0.10% 0.05% 19.1.2 Minimum Amount Per LC Rs.1,500/- INTERNATIONAL BANKING Note b Projected annual volume is to be ascertained and got approved by The competent authority commitment letter from customer for paying difference in commission arising out of short fall in business commitment. L/C commission for the increased liability should also be recovered for un-expired L/C period. In case, liability increases (due to exchange rate fluctuation) by virtue of providing forward cover to the customer after opening of L/C. 19.1.3 Revalidation Commission. On expiry of L/C when the same is r e v a l i d a t e d , r e v a l i d a t i o n commission should be recovered as is applicable for opening of Fresh Letter of Credit, as in (19.1.1) above. L/C commission will be calculated on the amount of liability as per exchange rate prevailing on the date of revalidation. 19.1.4 Transfer Commission. When a Letter of Credit is transferred to a new .beneficiary, transfer commission should be charged as applicable in case of Fresh Letter of Credit as in (19.1.1) above 19.1.5 Approval from SBP from re-import of Rs.2,000/- (Flat) per case. consignment back to Pakistan. 19.1.6 L/C Cancellation Charges Rs.2,000/- (Flat) Plus actual SWIFT charges 19.2 Non-reimbursable Letter of Credit under Barter/ Aid/Loan and authorization to pay. 1% on 1 st quarter and 0.30% for each subsequent quarter or part thereof Minimum of Rs.1,500/- Schedule of Bank Charges Inst. Cir.No. 000 / 2013 17 19.2.1 L/C under Suppliers/Buyers Credit, Pay as you Earn Scheme and Deferred payment L/Cs for period one year. Commission @ 0.40% per quarter or part thereof (at the time of opening of L/C, it is to be charged on full amount of L/C liability plus interest payable thereon for the period from the date of opening of L/C till the expiry of L/C,thereafter commission is to be recovered on six monthly basis on outstanding/reducing liability as per revised Schedule of Charges applicable on that date). In case forward cover is provided a g a i n s t L / C u n d e r . Suppliers/Buyers Credit, L/C commission should be recovered at booking rate for which liability voucher is to be passed. This is due to the fact that exchange fee is being recovered in advance 19.2.2 a Rs.500/- per bill (Flat) to be charged at the time of retirement of bills. b Extra Commission @ 0.10% per month is to be recovered /charged for the Usance Import Bill for any period beyond validity of Letter of Credit.
Amendments. Rs. /- per transaction (Flat) or commission under item (19.1.1) or (19.2), if amendment involves increase in amount or extension period of shipment 1,200 If bills are to be drawn at a Usance under the above Letter of Credit other than Payees and Suppliers/ Buyers Credit and deferred payment Letters of Credit on yearly basis. Issuance of Standby Letters of Credit (i.e) beneficiaries in foreign countries) directly or through correspondent bank/banks foreign branches/offices. 19.2.3 0.40% per quarter or part thereof Minimum Rs.1000/- plus correspondent bank charges if any.. Swift/ US$ 20/- per swift message Postage US$ 10/- per postage Amendments US$ 20/- per transaction (Flat) or if amendment involves (increase in amount or extension in period) commission as above Inst. Cir.No. 000 / 2013 Schedule of Bank Charges Note a b c 19.3 In case of FIM the following mark-up will apply*:- 19.3.1 Mark-up 43.836 Paisas per Rs.1,000/- on daily Product (or as per Sanction Advice) against Regular Credit Line under approved arrangement. 18 Regular Credit Line Inst. Cir.No. 000 / 2013 19 19.3.2 Forced FIM In case of Forced Creation of FIM Penal recovered not exceeding Paisas 40 per Rs.1,000/- on daily product basis. charges to be
. 19.3.3 In case FIM is created and Bank arranges Clearance of consignment under Sight L/C. 50 Paisas per Rs.1,000/- on daily products shall be charged from the date of creation of FIM. Commission @ 0.35% is to be Charged (once only) in addition to mark-up @ Paisas 50 per Rs.1,000/- from the date of maturity till the date of payment. 19.3.4 In case Forced FIM is created due to non- payment on maturity against DA/Suppliers Credit L/C. Note Bank reserves the right to change the mark-up rate on case to case basis. 19.4 Import Bills returned unpaid. a Handling of discrepant Import Documents., US$ 50 (flat) to be recovered from the proceeds of the Bills remitted. b Handling charges US$ 70/- (Flat) from forwarding Bank. Plus Courier charges if any 19.4.1 Collection Rs.750/- (Flat) per collection provided no charges are realized from the correspondent. 19.4.2 Consignments. 0.20% (Flat) handling charges at the time of registration of contract/ purchase order/ Performa invoice Minimum Rs.500/- 19.4.3 Import against advance payment to suppliers. Rs.750/- (Flat) plus usual remittance charges. 19.4.4 Service charges against Import transactions i.e. @ per mille. Minimum Rs.500/- 10 Paisas per Rs.100/- or Rs.1/- Import Bills/PAD/ Collection. 19.4.5 Reimbursement charges (payable to reimbursing Banks.) At actual. Charges for borrowing customers as per arrangement 19.5 Services Charges on retirement of Import bills Contracts (Ready/ Forward) other than NBP under L/Cs/ 19.5.1 L/C opened/contract registered by us where Foreign Exchange payment done by other banks. 10 Paisas per Rs.100/- Schedule of Bank Charges Inst. Cir.No. 000 / 2013 20 EXPORTS 20.1 Processing Charges for Export Registration. Rs.250/- (Flat) 20.1.1 Returning charges for export bills Rs.250/- (Flat) 20.2 Letter of Credit. 20.2.1 Advising. Rs.1,000/- (Flat) 20.2.2 Amendment Advising. Rs.600/- (Flat) 20.2.3 Negotiation of Bills against Letters of Credit issued under Barter/Remittance from SBP 0.25% Minimum Rs.250/- 20.2.4 Confirmation. 20.2.5 Transfer of Export L/Cs. Rs.1,000/- (Flat) 20.2.6 Reimbursement payment to other local Bank from Non- Resident Rupee A/c. Rs.400/- (Flat) 20.2.7 If the documents are sent to other banks for negotiation under restricted Letter of Rs.500/-( Flat) Credit. 20.3 Collection. 20.3.1 Clean Cheques/Drafts/FTCs. Rs.100/- per Collection (Flat) 20.3.2 Documentary (on which bank do not earn any exchange difference) Rs.200/- per Collection (Flat) 20.4 Duty draw back claims. 0.25% of the amount of claim Minimum Rs.250/- per claim 20.4.1 Handling of export documents against which advance payment is received. Rs.400/- (Flat) plus postal charges. 20.4.2 Service Charges against export documents sent on collection basis where payment cover is already received to our Foreign Currency Account. @ Paisas 10% or Rs. 1/- per 1000/- 20 19.5.2 L/C opened/contract registered by us where 10 Paisas per Rs.100/- Forward Cover provided by other banks. Note Issuance of Banks NOC/Permission is subject to the recovery of above charges from customer. Subject to Arrangement (Please refer your request to Financial Institution & Cash Management Division). Schedule of Bank Charges Inst. Cir.No. 000 / 2013 20.5.3 Cheques / instruments returned unpaid a Drawn on Karachi Rs.400/- b Drawn on other than Karachi Rs.500/- 20.6 Transfer of Export Proceeds/ Remittances to other Banks. 20.6.1 Transfer of Export Proceeds and remittances to other Banks for conversion. 10 Paisas per Rs.100/- 20.7 20.7.1 For Sight Exports Bills Negotiation After 12 Days till the date of Realization Up to 12 days No Markup Markup rate arrived at based on 1 Month KIBOR . (ask rate) + 4.00% p.a. should be charged 20.7.2 For Usance Export Bills Negotiation: Up to actual Maturity date No Markup After Maturity Date till the date of Realization: Markup rate arrived at based on 1 Month KIBOR (ask rate) + 4.00% p.a. should be charged Export Proceeds Realizations under Foreign Bills purchased & Negotiated (FBPN) Account. 20.5 20.5.1 Cheques / instruments drawn on branches in Karachi. Rs.200/- 20.5.2 Cheques / instruments drawn on branches other than Karachi Rs.300/- Local US Dollar Instruments Collection. 21 Schedule of Bank Charges 21 REMITTANCES 21.1 OUTWARD 21.1.1 Foreign Traveller Cheques. 1% of the amount of Traveller Cheques sold Min. Rs.200/- 21.1.2 Remittance abroad through Foreign Currency Account. Commission @ US$ 1.00 per US$ 1,000/- or part thereof Min. US$ 5.00 Maximum US$ 25.00 plus / SWIFT charges Remittance against surrender of F.C Notes or cash deposited in F.C Account within 10 days from the date of such deposits. In addition to charges mentioned under 21.1.2. Service charges @ 1.0% to be recovered in case the remittance amount exceeds US$ 5,000/- or its equivalent in other foreign currencies. 21.1.3 Inst. Cir.No. 000 / 2013 Rupee Account 250/- per cheque. F.C. Account US$ 5/-per cheque Char ges f or Cheques returned unpaid (when fault lies with the customer) to be recovered from the client on Whose behalf the instrument is being collected and collecting bank will apply these charges. In case bearer cheque returned on the counter no such charges will be applicable. 22 21.1.4 Inward Collection received (relating to F.C Account) from abroad or local banks/ branches and where the payment is demanded in Foreign Currency. US$ 3.00 per US$ 1,000/- or part thereof Minimum US$ 3.00 Maximum US$ 6.00 21.1.5 Inward cheques expressed in foreign currency drawn on foreign currency A/cs received from local /upcountry banks branches for payment in Pak Rupees after conversion at authorized dealers buying T.T clean rates. Commission @ Paisas 15 per Rs. 100/- Minimum Rs.200/-. 21.1.6 (a) Students (for education purposes) Rs.100/- plus SWIFT charges (b) Other than students. Rs.50/- per US$ 1,000/- Min. Rs.200/- and Max. Rs.500/- plus SWIFT charges for telegraphic transfer or usual postal charges as prescribed. (c ) Service Charges against issuance of Foreign @ Paisas 10 % or Rs.1/- per Rs. 1,000/- Commission on issuance of PKR TC Rs 5/- per leaf. Demand Drafts (FDDs) Foreign Telegraphic Transfer (FTT)& Travellers Cheques (TCs) against Pak Rupee. Remittances abroad other than through Foreign Currency Account. (d) FDD/FTT Cancellation Charges for foreign currency account / (e) Issuance of Duplicate FDD. (f) Foreign Bills sent for collections returned unpaid Rs.250/- per item plus SWIFT/ postage charges Rs.300/- plus usual postage charges SWIFT Rs.350/- (Flat) plus charges if any. SWIFT US$ 5.00 per instruction (g) Standing Instruction Charges in Foreign Currency Accounts. Note Service Charges @ 1.0% to be recovered from the customers in case cash deposited in FC Account is encashed /converted into Pak Rupees within 10 days from the date of such deposit. Inst. Cir.No. 000 / 2013 Schedule of Bank Charges 23 21.1.7 REPAYMENT OF FCY LOAN UNDER FE25 Repayment of FE25 FCY Loan (principle/Mark-up) where settlement arranged through Interbank market other than NBP. 10 Paisas per Rs.100/- Schedule of Bank Charges 21.2 I N W A R D 21.2.1 Home Remittance No Charges (Zero Tariff) 21.2.2 Others. Nil, if proceeds are credited to an account with the drawee bank. In other case a flat charges of Rs.10/ 21.2.3 Encashment (Purchase) of Traveller Cheques. Rs.100/-(Flat) 21.2.5 Commission/Handling Charges on Deposits of Currency notes for the credit of Foreign Currency Accounts. Nil, if no remittance effected within 10 days of the date of deposit, otherwise remittance charges as per schedule (21.2.2) 21.2.6 Collection of Foreign Currency Accounts US$ 5.00 for collection upto US$ 1,000/-, US$ 15.00 for collection above US$ 1,000/-. 21.2.4 @ Paisas 15 per Rs.100 /- Minimum Rs.200/- Se r v i c e Ch a r g e s o n payment of Inward Foreign Dr a f t s / For e i gn Ma i l Transfers where payment is made to beneficiaries after payment cover is received to our Foreign Currency Account. These charges are to be recovered only when T.T buying rate is applied. 21.1.8 Any type of remittances other then IMPORTS when transaction initiated/routed through NBP but customer procures Foreign Exchange from some other bank. 10 Paisas per Rs.100/- Issuance of Banks No objection/Permission is subject to recovery of above charges from customer. Note: Any type of remittances other then EXPORTS when transaction initiated/routed through NBP but customer sale Foreign Exchange from some other bank. 10 Paisas per Rs.100/- Issuance of Banks No objection/Permission is subject to recovery of above charges from customer. 21.2.7 Note: Inst. Cir.No. 000 / 2013 24 Schedule of Bank Charges 22.4 SWIFT Foreign: a Full SWIFT L/C/ Guarantee and long Message Rs.1,200/- for full message for short message Rs.500/- b L/C/Guarantee amendment, Telegraphic Transfer and Miscellaneous messages Rs.1,200/- for full message. Rs.500/- for short message 22.5 Courier a Local Rs.50/- b Inland Rs.70/- 22.6 Issuance of proceeds certificate beyond one Year. Rs.500/- (Flat) per certificate. 22.7 Issuance of Business Performance certificate Rs.800/- (Flat) per certificate. at customers request c Foreign: Actual, Min Rs.1,100/-
22 MISCELLANEOUS. Postage/Fax/Courier/Swift At actual subject to Minimum, as under :- 22.1 Postage (Ordinary) Local Rs.25/- Inland Rs.40/ 22.2 Postage (Registered) Local Rs.30/- Inland Rs.50/- Foreign Postage at actual Min. Rs.100/- 22.3 Fax/Telephone Rs.100/- ( Flat ) Inst. Cir.No. 000 / 2013 Schedule of Bank Charges AMENDMENTS & NOTES