Use this for learning and desk estimates. Before booking any charge, check your bank's schedule of charges, approval note, current circulars and internal policy.
Learning onlyVerify before postingUSD trade values supported
Choose the convention in the reviewed bank tariff or contract. Rate examples and configured review ceilings are not universal legal limits.
LC Issue Commission
Calculation logic: Tenor follows the selected contract day-count convention (elapsed by default). First 90 days are charged as one full quarter; after day 90, extra days are charged on per-day basis.
Configured commission review threshold: 0.25%. Verify the current bank tariff and applicability to the transaction before booking.
LC Amendment Commission
Calculation logic: Existing LC value is charged only for the extension period beyond the first 90 days. Increased value is charged full first-quarter commission if the amendment date falls within the first 90 days, plus second-quarter per-day commission from day 91 to new expiry. If no second-quarter rate is entered, the first-quarter rate is used.
Configured commission review threshold: 0.25%. Verify the current bank tariff and applicability to the transaction before booking.
Maturity Date Calculator
Calculation logic: Dates follow the selected convention. Following-day adjustment is an optional contract assumption: Friday/Saturday plus the reviewed closure dates entered here. Enter a calendar reference covering every affected year. The tool does not certify an official or complete holiday calendar; check the instrument and place of payment.
UPAS Financing Cost & Commission
Start with the UPAS amount and number of days. Both are required to estimate financing interest and related charges.
Use your bank's approved tariff. A 90-day commission quarter is used only as the selected arithmetic convention. No universal commission or VAT rate is assumed.
Additional charge fields
Choose a calculation role for each custom field. Supported roles include fixed fees, percentages of principal/commission/interest, and deductions; arbitrary formulas are not executed.
Financing formula: USD amount × (SOFR + margin) % × days ÷ selected 360/365 basis. Commission: BDT equivalent of principal × quarterly rate % × selected 90-day quarter factor, subject to the entered BDT minimum. VAT is calculated only on commission; selected custom charges and deductions are shown separately. The BDT all-in total assumes the entered FX rate. Actual charge currency, tenor convention, applicability and taxation require bank-tariff review.
Formula: annual discount rate = SOFR rate + margin. Discount charge = bill amount x annual discount rate % x discount days / day-count basis. If adjusted realization/payment date moves to the next business day, review additional discount/interest day(s) as per approved terms. Margin should not exceed 3%.
Formula: effective overdue rate = base annual rate + penal interest. Interest = principal x effective overdue rate % x overdue days / day-count basis. Penal interest ceiling is 0.50%.
Loan EMI and Amortization
Formula: EMI = P x r x (1 + r)^n / ((1 + r)^n - 1). Here P = loan amount, r = monthly rate, n = tenor in months. First EMI date is shown one month after loan start date unless advance EMI is separately agreed.