Trade Finance Calculator
Calculator Desk
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 only
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USD trade values supported
LC Issue Commission
Calculation logic: Tenor days = expiry date minus issue date. First 90 days are charged as one full quarter; after day 90, extra days are charged on per-day basis.
Margin rule: If LC is processed against 100% or above margin, commission must not exceed 0.25%.
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.
Margin rule: If LC is processed against 100% or above margin, commission must not exceed 0.25%.
Maturity Date Calculator
Calculation logic: First calculate base date + tenor days + buffer days using inclusive day count. If the result falls on Friday, Saturday or a Bangladesh Bank holiday, international banking practice is to move the payment/maturity date to the next banking business day. Keep extra holidays updated when Bangladesh Bank announces changes.
UPAS Financing Cost
Formula: annual finance rate = SOFR rate + margin. Finance cost = USD amount x annual finance rate % x tenor days / day-count basis. If calculated repayment date falls on Friday, Saturday or Bangladesh Bank holiday, show the next business day and review who bears additional interest for the moved day(s). Margin should not exceed 3%.
Export Bill Discounting
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 next business day, review additional discount/interest day(s) as per approved terms. Margin should not exceed 3%.
Overdue or Forced-Loan Interest
Maximum allowed: 0.50%
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 one month after loan start date unless advance EMI is separately agreed.