ED-1 Manual Filling Guide
Bengal IRIS TAKUMI Ltd. – Long-Term Foreign Loan
Prepared from the submitted loan application package, signed Loan Agreement, and Bangladesh Bank approval. Where an exact ED-1 value is not stated, the closest relevant wording/condition from the documents is shown. No unsupported information has been added.
ED-1
Field
Information to Enter / Use
Comment
1
Loan ID (Provided by BB)
NOT FOUND / To be provided by Bangladesh Bank.
Do not use the BB memo/reference number as Loan ID unless confirmed.
2
Debtor's Name
Bengal IRIS TAKUMI Ltd.
Borrower.
Debtor's Address
Lot No. D1, Bangladesh Special Economic Zone (BSEZ), Sonpara, Panchrukhi, Via Rupganj Araihazar, Narayanganj-1460, Bangladesh
3
Creditor's Name
IRIS Company Ltd.
Parent-company lender, Japan.
Creditor's Address
1933 Izuka, Ota, Gunma, Japan
4
Date Agreement Signed
10 November 2025
Agreement states it was made and entered into on this date.
5
Effective Date
1 January 2026 (Date of Commencement)
Agreement does not separately define ED-1 'Effective Date'; 1 Jan 2026 is the stated loan commencement date.
6
Expiry Date of Effectiveness
No separate effectiveness-expiry date stated.
Agreement states total loan duration is 10 years commencing 1 January 2026.
7
Date of Drawing Limit
NOT STATED.
No separate final drawdown/drawing-limit date appears in the agreement.
8
No. of Tranches
NOT STATED.
Agreement describes one USD 3,000,000 loan but does not specify single/multiple drawdowns.
9
Date of Authorization
03 August 2026
Bangladesh Bank approval date.
10
Loan Amount
USD 3,000,000
Approved loan amount.
11
Authorized By
Bangladesh Bank – Foreign Exchange Investment Department
BB approval is subject to stated conditions.
12
Purpose of Loan
Factory construction / establishment of production facilities; machinery and equipment purchase; technology transfer; infrastructure, utilities and capital expenditure necessary for operations.
Agreement also restricts use for speculative investment, real estate acquisition or unrelated business activities.
13
Base Currency
USD
14
Public Guarantee
No public/government guarantee is mentioned.
Confirm 'No' internally before final submission if ED-1 requires Yes/No.
15
Syndicated Loan
No syndication is mentioned; only IRIS Company Ltd. is identified as lender.
Supports 'No', subject to internal confirmation.
16
Tranche Number
NOT STATED.
No tranche numbering appears in the documents.
17
Principal Repayment
Repayment period: 8 years (2028–2035). Repayment starts 1 January 2028 after 2-year grace period. Annual repayment.
Submitted schedule states USD 90,000 principal for each of first two repayment years and USD 422,268 principal for each subsequent year; use attached repayment schedule for detailed entries.
18(a)
Interest – Rate
3% per annum
BB approval permits maximum 3.00% p.a.
18(b)
Interest – Penalty Rate
Additional 1.5% per annum over normal interest rate
Applies to late payment until settled.
18(c)
Interest – Calculation Start Date
No separately labelled interest calculation start date.
Loan commencement is 1 January 2026; interest accrues at 3% p.a. on outstanding principal.
18(d)(i)
Interest Calculation – Year Basis
NOT STATED.
No 360/364/365/366-day convention stated.
18(d)(ii)
Interest Calculation – Month Basis
NOT STATED.
No 30-day/calendar-month convention stated.
18(d)(iii)
Interest Calculation – Periodicity
3% per annum on outstanding principal.
Annual rate stated.
18(e)(i)
Interest Payment – Start Date
No exact calendar payment date stated.
Interest is payable annually during the 2-year grace period (2026–2027).
18(e)(ii)
Interest Payment – End Date
No exact calendar end/payment date stated.
During repayment period 2028–2035, interest is payable annually together with principal.
18(e)(iii)
Interest Payment – Periodicity
Annual
Interest annually during grace period; thereafter annually with principal.
19(A)
Commission – Regular Payment
No regular commission/periodic fee provision found in the Loan Agreement.
If ED-1 requires sub-fields, confirm whether these should be entered as N/A.
Regular Commission – Type
NOT STATED / No provision found.
Regular Commission – Rate/Amount
NOT STATED / No provision found.
Regular Commission – Currency
NOT STATED / No provision found.
Regular Commission – Calculation Start/End Date
NOT STATED / No provision found.
Regular Commission – Calculation Method
NOT STATED / No provision found.
Regular Commission – Payment Start/End/Periodicity
NOT STATED / No provision found.
19(B)
Commission – One-Time Payment
No one-time commission/upfront fee provision found in the Loan Agreement.
Confirm whether ED-1 should show N/A.
One-Time Commission – Type
NOT STATED / No provision found.
One-Time Commission – Currency
NOT STATED / No provision found.
One-Time Commission – Payment Date
NOT STATED / No provision found.
One-Time Commission – Percentage/Amount
NOT STATED / No provision found.
20
Bank's Name & Address
Prime Bank PLC, Gulshan Branch, Dhaka, Bangladesh
Receiving bank stated in loan documents.
Additional agreement conditions useful for checking the form
• Prepayment: Full or partial prepayment is allowed without penalty, subject to 60 days' prior written notice to the lender; accrued interest up to the prepayment date must be settled.
• Repayment/repatriation: Principal and interest are to be remitted through an authorized dealer bank in Bangladesh in convertible foreign currency (USD), subject to applicable regulatory requirements.
• Repayment destination: Annual repayments are to be made to the lender's designated bank account in Japan or another location agreed by the parties.
• Borrower's account stated in the submitted loan documents: FC USD 2118518039391, Bengal Iris Takumi Ltd.
• Total repayment stated in submitted schedule: USD 3,558,116 = USD 3,000,000 principal + USD 558,116 interest.