Credits

Deposits

Letter of Guarantee

Documentary Letter of Credit

Foreign Currency Exchange

OUR
SERVICES:

For Corporate Clients

Form of Credits Return Period Interest Rate Kind of currency Collateral (Guarantee)
1 To develop art craft and tourism industries Until 12 Months 19%-20% (Per annum ) Somoni (TJS) Immovable Assets
2 To develop art craft and tourism industries Until 12 Months 14%-16% (Per annum ) Foreign Currency (USD, EUR, RUB) Immovable Assets
3 To develop trade and business Until 12 Months 19%-21% (Per annum ) Somoni (TJS) Immovable Assets
4 To develop trade and business Until 12 Months 14%-16% (Per annum ) Foreign Currency (USD, EUR, RUB) Immovable Assets
5 To develop productive factories Until 36 Months 19%-21% (Per annum ) Somoni (TJS) Immovable Assets
6 To develop productive factories Until 36 Months 14%-16% (Per annum ) Foreign Currency (USD, EUR, RUB) Immovable Assets

For Individuals Clients

Form of Credits Return Period Interest Rate Kind of currency Collateral (Guarantee)
1 To fulfill daily use Until 12 Months 21% (annual) Somoni (TJS) Jewelry
2 To fulfill daily use Until 12 Months 16-15% (annual) USD/Euro Jewelry
3 To develop art craft and tourism industries Until 12 Months 19%-20% (annual) Somoni (TJS) Jewelry or other movable assets
4 To develop art craft and tourism industries Until 12 Months 14% (annual) USD/Euro Jewelry or other movable assets

For the businessmen:

Form of Credits Return Period Interest Rate Kind of currency Collateral (Guarantee)
1 To develop art craft and tourism industries Until 12 Months 19%-20% (Annual) Somoni (TJS) Jewelry or other immovable assets
2 To develop art craft and tourism industries Until 12 Months 14%-16% (Annual) Foreign Currency (USD, EUR, RUB) Jewelry or other immovable assets
3 To develop trade and business Until 12 Months 19%-21% (Annual) Somoni (TJS) Immovable Assets
4 To develop trade and business Until 12 Months 14%-16% солона Foreign Currency (USD, EUR, RUB) Immovable Assets
5 To develop productive equipment Until 36 Months 19%-21% (Annual) Somoni (TJS) Immovable Assets
6 To develop productive equipment Until 36 Months 14%-16% (Annual) Foreign Currency (USD, EUR, RUB) Immovable Assets

 

For corporate clients
Term Deposits:

  • Term deposits are accepted both in national and foreign currencies from corporate clients;
  • Term deposits are accepted both in cash and non-cash forms;
  • The minimum amounts of a term deposits are TJS 10000.00, USD 3000.00 and EUR 3000;
  • Term deposits amounts are fixed and cannot be increased or decreased during their terms;
  • No interest will be paid if a term deposit close sooner than 90 days from the date of issue;
  • If the deposit close prior to the expiry date but not sooner than 90 days from the date of issue, 50 percent of the interest will be paid.
Deposit Amount Interest rate (Annual)
TJS USD EUR
 From TJS 10000.00, EUR 3000.00, USD 3000.00 4% 2% 2%

Demand Deposits:

  • Demand deposits are accepted both in national and foreign currencies from corporate clients;
  • Demand deposits are accepted both in cash and non-cash forms.
  • Demand deposits are without expiry dates;
  • Demand deposits are without any interest;

Advantages:
One of the best and most confident place to keep your money safe;
The easy availability of money every time you wish.

For individual clients
Term Deposits:

  • Term deposits are accepted both in national and foreign currencies from individual clients;
  • Term deposits are accepted both in cash and non-cash forms;
  • The minimum amounts of a term deposits are TJS 500.00, USD 100.00 and EUR 100;
  • Term deposits amounts are fixed and cannot be increased or decreased during their terms;
  • No interest will be paid if a term deposit close sooner than 90 days from the date of issue;
  • If the deposit close prior to the expiry date but not sooner than 90 days from the date of issue, 50 percent of the interest will be paid.
Deposit Amount Interest rate (Annual)
TJS USD EUR
 From TJS 500.00, EUR 100.00, USD 100.00 4% 2% 2%

Documents required for opening term deposit accounts:

  • Application Letter for opening account
  • Identification Card
  • Unique Tax Number (RMA)

Demand Deposits:

  • Demand deposits are accepted both in national and foreign currencies from individual clients;
  • Demand deposits are accepted both in cash and non-cash forms.
  • Demand deposits are without expiry dates;
  • Demand deposits are without any interest;

Documents required for opening demand deposit accounts:

  • Application Letter for opening account
  • Identification Card
  • Unique Tax Number (RMA)

Advantages:
One of the best and most confident place to keep your money safe;
The easy availability of money every time you wish.

Tejarat Bank of I.R of Iran Branch in Dushanbe city issues the following types of direct and counter demand guarantees against unconditional demand guarantees issued by one of grade A or B banks or financial institutes or by taking the immovable collaterals up or receiving deposits according to clients’ requests and based on URDG700.

Types of letter of guarantees:

  • Tender Guarantees
  • Performance Bond Guarantees (PBG)
  • Down Payment Guarantees
  • Payment Guarantees
L/G Issuance Commissions TJS equivalent of 3 percent of guarantee amount for one year (minimum commission is considered for 3 months)
L/G Extension Commissions 0/3 percent for each month
Tested Message Charges TJS equivalent of USD 20/00

Tejarat Bank of I.R of Iran in Dushanbe city accepts documentary letters of credits from its correspondents and advises them to the relative beneficiaries. Subsequently upon receipt of relative complied documents, our branch negotiates them and pays their amounts to the beneficiaries based on rules and regulations of UCP600.

Meanwhile, our branch issues documentary letters of credits according to applicants’ requests for its correspondents against taking immovable collaterals or deposits from the applicants.

LETTER OF CREDIT COMMISSIONS& CHARGES
Export Letter of Credit
Commission for Advice of Full Swift to the Beneficiary TJS equivalent of USD 50/00
Commission for L/C Amendment Advice to the Beneficiary TJS equivalent of USD 25/00
Docs Negotiation Commission TJS equivalent of 0/25% of negotiated docs amount
Tested Message Charges TJS equivalent of USD 20/00
Courier Service Charges According to post bill
Import Letter of Credit
L/C Issuance Commissions 0/25% of L/C amount for three months Min: TJS equivalent of USD 50/00 plus tested Message Charges
Tested Message Charges of L/C Issuance TJS equivalent of USD 50/00
L/C Extension Commissions &Charges TJS equivalent of 0/05 % of L/C amount for each month plus Tested Message Charges (days under one month are considered one month) Min TJS equivalent of USD 30/00 plus Tested Message Charges
L/C Amendment Commissions &Charges TJS equivalent of USD 10/00 plus Tested Message Charges
Docs Negotiation Commission TJS equivalent of 0/25% of docs amount
Docs Settlement TJS equivalent of 0/05% of docs amount
Payment Commitment Commissions (For Usance L/Cs) 3 percent of Commitment amount for one year (minimum Commissions for 3 months
Discount 10-13 percent of paid amount
Tested Message Charges EUR 15/00 USD 20/00

Tejarat Bank of I.R of Iran Branch in Dushanbe city changes the foreign currencies to national currencies and vice versa in cash and non-cash forms according to the indexes of National Bank of Tajikistan.  Our exchange rates are announced daily in our currency rate board and our website based on the international rates and the rates announced by National Bank of Tajikistan.

Exchange rate in Tejarat Bank

Currencies

USD
EUR
RUB

Purchase

9,68
10,65
00,00

Sale

9,70
10,95
00,00

Exchange rate in National Bank of Tajikistan

Currencies

USD
EUR
RUB

Rate

9,6920
10,6680
0,154

Daily rate: 29.01.2020