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Interest Rates
Savings Deposit Rate
Savings 2.50% (For General) (For any amount)
Fixed Deposit Rate
Period For any Amount
01 Month 3.00% (For any Amount)
3 Months 6.00% (For any Amount)
6 Months 6.50% (below Taka Ten Crore)
6.75% (Taka Ten Crore and above)
1 Year 7.00% (For any Amount)
Special Notice Deposit (SND) Account Rates
BDT 1 Lac to Less than BDT 1 Cr. BDT 1 Cr. to less than BDT 25 Cr. BDT 25 Cr. to less than BDT 50 Cr. BDT 50 Cr. to less than BDT 100 Cr. BDT 100 Cr. and above
2.50% 3.00% 3.50% 5.00% 6.00%
Interest Rate of Loans & Advances
* Interest Rate of all manufacturing Corporate and SME Loans to be reduced to 9.00% p.a. with effect from 1st July, 2018 (As per Instruction Circular no.1970/2018)
Sectors of Business Present Interest Rate (Mid Rate)
Agricultural Loans:
Term Loan (Both Short Term & Long Term) As per Bangladesh Bank's directives *
Revolving Credit As per Bangladesh Bank's directives *
Term Loan:
Industrial / Manufacturing Project 12.00%
Other Term Loans 12.00%
Working Capital Financing:
Industrial / Manufacturing Project 12.00%
Work Order / Supply Order 13.00%
Export Loan (PC) 7.00%****
Export Loan (ECC) 7.00%****
Trade Financing/Business Loans 12.00%
Import financing of rice, wheat, edible oil (refined and crude), pulse, peas, onion, dates and sugar 12.00%
Short Term Loan (STL)- (For maximum 06 months) Negotiable ***
Financing to Small & Medium Enterprise
With BB refinancing As per Bangladesh Bank's directives **
Without BB refinancing 13.00%
Loans to NBFIs 12.00%
Lease Finance/Hire Purchase 12.50%
House Building Loan (HBL)
Residential 12.50%
Commercial 13.00%
SOD/Loans against FDR of our Bank FDR Rate + 3.00%*
SOD/Loans against Scheme Deposits of our Bank Scheme Deposit Rate + 4.00%*
SOD/Loans against FDR/ Scheme Deposits etc. of other Bank, ICB Unit Certificate & FC Bond 12.00%
SOD/Loans against Shares/Debenture 12.00%
Special Credit Schemes
Loans under schemes
Doctors' Credit Scheme
Interest Rate 18.50%
Loan Processing Fee 1%
Personal Loan Scheme
Interest Rate 13.50%
Loan Processing Fee Up to l%o on loan amount Nil
Car Loan Scheme
Interest Rate 13.00%
Loan Processing Fee Up to 1olo on loan amount
Home Loan Scheme
Interest Rate 1l.50%
Loan Processing Fee Up to lolo on loan amount
House Furnishing Loan (Consumer Loan Scheme)
Interest Rate 14.50%
Loan Processing Fee Up to l%o on loan amount Nil
Cottage Loan
Interest Rate 12.50%
Loan Processing Fee Up to 1olo on loan amount
Education Loan
Interest Rate During Moratorium Period 10.00%*
Interest Rate After Moratorium Period 14.50%
Overseas Employment Loan Scheme 14.00%
Rural Development Scheme 14.00%
Financing Solar Energy & Bio-Gas project under BB refinance
Direct lending to ultimate beneficiary As per Bangladesh Bank's directives**
Lending through NGO linkage
Financing Effluent Treatment Plant (ETP)
Financing to Jute Sector under Refinance Scheme of Bangladesh Bank
Financing to RMG Sector Safe Working Environment program of JICA assistance "FSPDSME" Project (Pre Finance)
Financing for Renewable Energy & Environment Friendly sector under Refinance Scheme of Bangladesh Bank
Financing against Scheme of Rifinance for setting up Agro based Product Processing Industries in Rutal Areas under Refinance Scheme of Bangladesh Bank.
Credit Card 25.00Yo*
Loan under Employees House Building Scheme As per approval of the Board of Directors of the Bank from time to time.
Loan under Car Loan Policy for the Executives of the Bank As per approval of the Board of Directors of the Bank from time to time.
Factoring 12.50%
SOD (EMFS) under e tendering 14.50% *
Other Loans & Advances 13.00%
* Fixed Rate
** Subject to receiving of refinance fiom Bangladesh Bank. otherwise, interest rate (mid rate) will be 13.00%p.a./prevailing rate for the existing loan. In case of overdue, the rate of interest will be be 2% above on the lending rates. Loan under refinance scheme of Bangladesh Bank shall be guided by Bangladesh Bank Circulars/Instructions'
*** For Head Office exercise onlY.
**** Fixed Rate. But in case of overdue, the rate of interest will be 2% higher than the prescribed rate.
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