Escrow Service

Escrow reduces counterparty risk when two parties do not fully trust each other. The buyer deposits the payment with the escrow agent; the seller delivers the goods, services or documents; and once the agreed conditions are verified, the escrow agent releases the funds to the seller. If conditions are not met, funds are returned according to the agreement.

Common uses include:

• Real estate transactions, where the price is held until ownership transfer is registered.
• Mergers and acquisitions and share purchase deals.
• Project and infrastructure finance, where project revenues flow into an escrow account and are applied in a fixed order (for example debt service before dividends).
• Online marketplaces, where payment is released after the buyer confirms delivery.
• Foreign investment, where funds are held pending regulatory approvals.

Banks in Nepal offer escrow accounts under a tripartite agreement among the bank and the two parties. The bank acts as a trustee and follows only the written instructions in the agreement, charging a fee for the service.

एस्क्रोले एकअर्कालाई पूर्ण विश्वास नभएका पक्षबीचको जोखिम घटाउँछ। क्रेताले रकम एस्क्रो एजेन्टमा जम्मा गर्छन्, विक्रेताले सामान/सेवा/कागजात हस्तान्तरण गर्छन् र सर्त पूरा भएको पुष्टि भएपछि एजेन्टले विक्रेतालाई रकम दिन्छ। सर्त पूरा नभए सम्झौताअनुसार रकम फिर्ता हुन्छ।

प्रयोग: घरजग्गा कारोबार, गाभ्ने/प्राप्ति र शेयर खरिद, परियोजना वित्त (परियोजनाको आम्दानी एस्क्रो खातामा राखी पहिले ऋण भुक्तानी), अनलाइन बजार र विदेशी लगानी। नेपालमा बैंकले त्रिपक्षीय सम्झौताअन्तर्गत एस्क्रो खाता खोल्छन् र सम्झौताका लिखित निर्देशनअनुसार मात्र रकम निकासा गर्छन्।