Prominent Finance & Investment Ltd.

Transparency First

Schedule of Fees & Charges

At Prominent Finance & Investment Ltd., we believe that transparency is the foundation of a strong financial partnership. You should always know exactly what you are paying for, with zero hidden surprises.

This section outlines our standardized schedule of charges for various credit and deposit facilities. Please note that these fees are subject to periodic review by the management and comply strictly with the guidelines set forth by Bangladesh Bank.

Service Categories

Standard Fee Structures

Corporate Finance

Processing fees, documentation charges, and early settlement fees for Term Loans, Syndication, and Lease Finance.

SME Finance

Subsidized processing charges and penal interest structures for Micro, Cottage, and Small Enterprise loans.

Personal Finance

Application fees and partial prepayment rules regarding Salary Loans, Car Loans, and Loans against TDR.

Deposit Schemes

Charges related to premature encashment, duplicate certificate issuance, and account maintenance.

Please Note

Important Information Regarding Charges

Government Taxes: 15% VAT, Excise Duty, and other applicable government taxes are charged additionally where mandated by law.
Third-Party Costs: Out-of-pocket expenses for legal vetting, valuation, and stamp duties are to be borne by the client at actual cost.
Revisions: The company reserves the right to amend the fee schedule at its discretion, subject to regulatory limits.
Detailed Schedule: A full PDF of our current Schedule of Charges is available upon request at any of our branches.

Contact Branch

Table 01

Corporate & SME Loan Charges

Indicative fees for term loans, working capital, and SME facilities.

Particulars	Corporate	SME
Processing Fee	0.50% of sanction	0.25% of sanction
Documentation Charge	BDT 5,000	BDT 2,000
Early Settlement	1.00% on outstanding	0.50% on outstanding
Rescheduling Fee	0.50% on outstanding	0.25% on outstanding
Penal Interest	2.00% p.a. on overdue	2.00% p.a. on overdue
CIB Charge	At actual	At actual

Personal Finance

Table 02

Personal Loan Charges

Application FeeBDT 500
Processing Fee1.00% of loan amount
Prepayment Charge1.00% on prepaid amount
Loan RestructureBDT 3,000 + charges
Cheque BounceBDT 500 per instance
Statement ReissueBDT 200 per copy

Table 03

Deposit Scheme Charges

Applicable on TDR, DPS, Lakhpati, Quarterly Income & other deposit products.

Premature Encashment

Interest paid at savings rate; principal returned without penalty on the deposit amount.

Duplicate Certificate

BDT 500 issuance fee plus applicable government stamp duty as per current rate.

Nominee Change

BDT 200 per instance; free of charge for first-time nominee registration.

Account Statement

Free once per year; BDT 100 per additional statement issued during the same year.

Table 04

Loan Against TDR / DPS

Instant liquidity against your own deposits — minimal paperwork, competitive rates.

Processing FeeBDT 1,000 (flat)
Interest Spread2.00% over TDR rate
Maximum RatioUp to 90% of deposit
DocumentationFree
Renewal ChargeBDT 500

Secured Loans

At Actual

Third-Party & Government Costs

These costs are borne directly by the client at the actual amount charged by the respective authority.

VAT

15% VAT on all service charges as per NBR guidelines.

Excise Duty

Applicable on loan & deposit balance as per Bangladesh Bank circular.

Stamp Duty

As per the Stamp Act; borne by the client during agreement execution.

Legal Vetting

Paid directly to empanelled law firms at their published rates.

Valuation

Surveyor's fee at actual for property or asset valuation.

CIB Report

Bangladesh Bank fee for each Credit Information Bureau report.

Our Process

Transparency

How We Communicate Charges

Sanction Letter

Every applicable fee is listed line-by-line before you sign.

Repayment Schedule

Amortization sheet shared showing exact deductions per instalment.

SMS & Email Alerts

You receive a notification for every debit made from your account.

30-Day Notice

Any revision in the schedule is notified at least 30 days in advance.

Quick Answers

Frequently Asked

Are all fees negotiable?

Certain processing fees may be waived for long-standing clients at management's discretion. Statutory fees (VAT, stamp duty) cannot be waived.

How do I get the full PDF schedule?

Visit any PFIL branch or email info@pfil.com.bd — the current schedule will be shared within one working day.

When will I be notified of a fee change?

At least 30 days before the effective date, via SMS, email, and a notice on our website.

Do deposit schemes have monthly charges?

No monthly maintenance fee applies. Only event-based charges (duplicate certificate, premature encashment) are levied.

Need clarification on any charge?

Our branch team will walk you through every line item — no jargon, no surprises.

Talk to a Branch Officer