FEES & CHARGES

Schedule of Fees & Charges of Corporate Financial Services
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Product Name Cost Head Minimum Maximum
Lease Finance Documentation Fee BDT 1,000/- 0.5% of the finance amount or BDT 200,000/- whichever is lower
Loan Processing Fee BDT 1,000/- 0.5% of the finance amount.
Early/partial Settlement Fees 0.5% on the outstanding principle amount, subject minimum of BDT 5,000/- 2.0% on the outstanding principle amount
Term Finance/Short Term Finance/Working Capital Finance Documentation Fee BDT 1,000/- 0.5% of the finance amount or BDT 200,000/- whichever is lower
Loan Processing Fee BDT 1,000/- 0.5% of the finance amount.
Early/partial Settlement Fees 0.5% on the outstanding principle amount, subject minimum of BDT 5,000/- 2.0% on the outstanding principle amount
Developers Finance Documentation Fee BDT 5,000/- 0.5% of the finance amount or BDT 200,000/- whichever is lower.
Loan Processing Fee BDT 5,000/- 0.5% of the finance amount.
Early Settlement Fees 0.5% on the outstanding principle amount, subject to a minimum of Tk. 5,000/-. 2.0% on the outstanding principle amount.
Syndication Finance Service Charge 0.1% of Deal amount 2.0% of Deal amount
Factoring Finance Documentation Fee BDT 5,000/- 0.5% of the finance amount or BDT 200,000/- whichever is lower
Loan Processing Fee BDT 5,000/- 0.5% of the finance amount.
Service Charge 0.05% of bill amount 2% of bill amount
Schedule of Fees & Charges of SME Finance
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Product Name Cost Head Minimum Maximum
SME Finance Documentation Fee BDT 5,000/-

For unsecured/partial secured loan documentation fee nil		 0.25% up to 0.5% of the finance amount or BDT 200,000/- whichever is lower for Mortgage loan.

For unsecured/partial secured loan documentation fee nil
Loan Processing Fee BDT 5,000/- 0.25% up to 1% or BDT 200,000/- whichever is lower of the finance amount Unsecured /partial secured /Mortgage loan.
Early Settlement Fees 2% on the outstanding principal amount before 1 year Settlement 1% on the outstanding principal amount after 1 year Settlement
Schedule of Fees & Charges of Home Loan, Personal Loan, STL against TDR and Auto Loan
Product Name Cost Head Minimum Maximum
Home Loan Loan Processing Fee 0.25% of the loan amount subject to a minimum of Tk.3,750 plus 15% VAT 0.50% of loan amount but not exceed Tk.200,000 plus 15% VAT
Documentation fee 0.25% of the disbursement amount subject to a minimum of Tk.3,750 plus VAT 0.50% of loan amount but not exceed Tk.200,000 plus 15% VAT
Early Settlement Fees 0.5% on the outstanding principal/early settlement amount, subject to a minimum of Tk. 5,000 plus 15% VAT 2.0% on the outstanding principal/ early settlement amount plus 15% VAT
Penal interest charge 4% Above the lending rate 4% Above the lending rate
Other charges for vetting, survey, valuation, registration, mortgage, charge creation, hypothecation, Tax & VAT, Redemption fee, cancellation of Power fee etc. At Actual
Personal Loan Documentation fee 0.25% on approved amount but not less than BDT 1,500 plus 15% VAT 0.5% on approved amount plus 15% VAT
Processing Fee 0.25% on approved amount but not less than BDT 1,500 plus 15% VAT 0.5% on approved amount plus 15% VAT
Documentation fee Land Lord/Land Lady 0.25% on approved amount but not less than BDT 2,500 on Loan amount plus 15% VAT 0.75% on the prepayment amount plus 15% VAT
Processing Fee for Land Lord/Land Lady 0.25% on approved amount but not less than BDT 2,500 on Loan amount plus 15% VAT 0.75% on the prepayment amount plus 15% VAT
Early Settlement Fees 1% on the prepayment amount plus 15% VAT 2% on the prepayment amount plus 15% VAT
Penal interest charge 4% Above the nominal rate
Personal Loan for Businessman (BONIK) Documentation fee 2.00% on approved loan amount plus 15% VAT but not less than BDT 5,750 (including VAT 15%)
Processing Fee 2.00% on approved loan amount plus 15% VAT but not less than BDT 5,750 (including VAT 15%)
Early Settlement/Partial Prepayment Fee Early Settlement/Partial Prepayment Fee 2.0% on the prepayment amount (Plus 15% VAT)
Penal interest charge 4.0% p.a. above the lending rate to be calculated on the overdue amount on daily basis.
STL against TDR Documentation Fee /Processing Fee Maximum Tk. 1,000 plus 15% VAT
Early Settlement Fees Nil Nil
Penal interest charge 4% Above the nominal rate
Auto Loan Loan Processing Fee 0.25% of loan amount plus 15% VAT 0.50% of loan amount plus 15% VAT
Documentation fee 0.25% of loan amount plus 15% VAT 0.50% of loan amount plus 15% VAT
Early Settlement Fees

 2.0% on the outstanding principle amount plus 15% VAT
Penal interest charge 4% Above the nominal rate
Transfer Price Tk. 5,000
Other charges for registration, Insurance, Tax & VAT, etc. At actual for all products
Schedule of Fees & Charges of Credit Cards
Type of Card Classic mastercard/VISA Card Gold mastercard/VISA Card Titanium mastercard
Membership Fee FREE FREE FREE
*Renewal Fee BDT 1,000 + VAT 15% BDT 2,000+ VAT 15% BDT 2,000+ VAT 15%
Renewal Fee Waiver by Transactions 15 NOs 15 NOs 12 NOs
Spouse Card Fee FREE FREE FREE
Supplementary Card Fee FREE FREE FREE
Card Replacement Fee BDT 200 + VAT BDT 300 + VAT BDT 300 + VAT
PIN Regeneration Fee BDT 100 + VAT BDT 100 + VAT BDT 100 + VAT
Required Minimum Payment 5% of total outstanding or BDT 500 whichever is higher
Payment Due Date 15 days from the statement date of each month
Interest Free Period Maximum 45 days – Minimum 15 days*
Interest Charge 2.25% per month 2.25% per month 2.25% per month
Cash Advance Limit 50% of Limit 50% of Limit 50% of Limit
Cash Advance Charge 2% or BDT 150 whichever is higher
Cash Advance Interest 2.25% per month 2.25% per month 2.25% per month
Card Cheque Book Issuance Fee First cheque book free and BDT 100 for 2nd book onward
Card Cheque Trnx Processing Fee 1.5% or BDT 200 whichever is higher
Late Payment Fee BDT 300 +VAT BDT 500 + VAT BDT 500 + VAT
Over Limit Fee BDT 300 + VAT BDT 500 + VAT BDT 500 + VAT
Cheque Return Fee FREE FREE FREE
Outstation Cheque Collection Fee FREE FREE FREE
Statement Retrieval Fee BDT 100/Statement BDT 100/Statement BDT 100/Statement
e-Statement FREE FREE FREE
SMS Service FREE FREE FREE
CreditShield Coverage (Insurance premium) Charge BDT 0.33% BDT 0.33% BDT 0.33%
*** CreditShield coverage
  • 100% outstanding coverage upto credit limit (Permanent Total Disability (PTD), Normal/accidental death).
  • 100% financial benefit for family member upto credit limit (Normal/accidental death).
  • Additional coverage under Accidental Death Insurance Policy.

    • (Subject to provide the supporting documents and fulfill the terms and condition of CreditShield coverage)

**Accidental death benefit under CreditShield coverage BDT 100,000 BDT 300,000 BDT 500,000
Standing Instruction Service FREE FREE FREE
Sales Slip Retrieval Fee BDT 100/Slip BDT 100/Slip BDT 100/Slip
Legal Charge At actual At actual At actual
Reward Point 1 (one) point for every BDT 50 on POS & Card Cheque transaction only
Cash Back against reward point For Titanium mastercard only ****

Note:
* POS & Card Cheque only
** Condition apply
*** Benefit under CreditShield coverage only for regular Cardmember
**** For Every 100 points, equivalent BDT 25 will be credited to Titanium mastercard account as per request
15% VAT applicable on all service fees

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