Charges and Limit

Universal Digital Command Hub 2082/83

Section 1: Mobile Banking Mastery (Industry Standard)

Channel	Daily Limit	Daily Count	Monthly Limit	Monthly Count	Charge (NPR)
Fonepay Direct	Rs. 3,00,000	30	Rs. 10,00,000	300	Rs. 10
Integrated connectIPS	Rs. 2,00,000	100	Rs. 10,00,000	1000	Free < 500
NPS / Acc. Transfer	Rs. 3,00,000	25	Rs. 10,00,000	300	Rs. 2 – 8
Merchant QR Pay	Rs. 3,00,000	Unlimited	Uncapped	Unlimited	FREE
Instafund (SCT)	Rs. 2,00,000	20	Rs. 10,00,000	300	Rs. 10

Section 2: Standalone connectIPS (App vs. Web Portal)

Verification Level	Platform	Daily Limit	Daily Count	Monthly Limit	Charge
Self-Verified	App/Web	Rs. 1,00,000	100	Rs. 10,00,000	Rs. 0 – 8
Bank-Verified	Web Portal	Rs. 20,00,000	100	Rs. 50,00,000	Rs. 0 – 8
Internet Banking	Web Portal	Rs. 20,00,000	Unlimited	Rs. 50,00,000	Slab Based

Section 3: CorporatePay (Institutional Mastery)

Transaction Type	Max Per Txn	Daily Limit	Daily Count	Monthly Limit	Charge
Real-Time (On-Us)	Rs. 1 Crore	Uncapped	100	Uncapped	Flat Rs. 2
Real-Time (Off-Us)	Rs. 20 Lakh	Uncapped	100	Uncapped	Rs. 2 – 10
NCHL-IPS (Bulk)	Rs. 30 Crore	Uncapped	Unlimited	Uncapped	Rs. 2 – 10
Govt Revenue/Tax	Rs. 30 Crore	Uncapped	Unlimited	Uncapped	Rs. 2 – 10

Section 4: Digital Wallet (eSewa/Khalti/IME Pay)

Feature	Daily Limit	Daily Count	Monthly Limit	Monthly Count	Overnight Holding
Bank to Wallet	Rs. 2,00,000	10	Rs. 10,00,000	100	Rs. 50,000 (Mandatory Transfer Out)
Wallet to Bank	Rs. 50,000	10	Rs. 1,00,000	50
Wallet to Wallet	Rs. 50,000	10	Rs. 1,00,000	50

Section 5: Cards & ATM Mastery (Comprehensive)

Usage Area	Daily Limit	Daily Count	Monthly Limit	Charge (Inter-bank)
ATM Cash (Nepal)	Rs. 50,000	5 to 10	Rs. 3,00,000	Rs. 15 (Standard)
ATM Cash (India)	INR 15,000	3	INR 1,00,000	Rs. 250 + 0.15%
POS / E-commerce	Rs. 3,00,000	25	Rs. 10,00,000	FREE

💡 Specific Bank ATM Offers: Banks like NMB Bank and ADBL provide up to 3 FREE inter-bank ATM withdrawals per month at any other bank’s ATM. After the 3rd use, the standard Rs. 15 fee applies. Always use your home bank’s ATM for unlimited free access.

B. NFC Contactless (Tap & Pay) – Verified Limits

Security Level	Per Txn Limit	Daily Limit	Daily Count	Monthly Limit	Monthly Count
Without PIN (Tap)	Rs. 5,000	Rs. 10,000	5 Taps	Rs. 50,000	30
With PIN (Tap+PIN)	Rs. 3,00,000	Rs. 3,00,000	25 Taps	Rs. 10,00,000	100

⚠️ Security Logic: If you tap more than 5 times or exceed Rs. 5,000 in a single transaction, the terminal will force you to enter your secret PIN or biometric for security.