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Interest Rates
Savings Deposit Rate
Savings 4.00% (For General) (For any amount)
Fixed Deposit Rate
Period For any Amount
Less than 3 Months 5.00% (For any amount)
3 Months 6.00% (For any amount)
Above 3 Months to less than 6 Months 7.00% (Below Taka Ten Crore)
7.50% (Taka Ten Crore & above)
6 Months to less than 1 Year 8.00% (Below Taka Five Crore)
8.50% (Taka Five Crore & above)
1 Year 8.00% (Below Taka Five Crore)
8.50% (Taka Five Crore to below Taka Twenty Crore)
10.00% (Above Taka Twenty Crore)
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
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 11.50%
Other Term Loans 12.00%
Working Capital Financing:
Industrial/Manufacturing Project (Including Cash Incentive & Time Loan 11.50%
Industrial/Manufacturing Project (IDBP) 11.50%
Trade Financing/Business Loans (IDBP) 13.00%
Work Order / Supply Order 13.00%
Export Loan (PC) 7.00%****
Export Loan (ECC) 7.00%****
Trade Financing/Business Loans (including Time Loan) 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
Industrial/Manufacturing Project 12.00%
Others 13.00%
Womcn Entrepreneurs Development Schema
With BB refinancing As per Bangladesh Bank's directives **
Without BB refinancing
Industrial/Manufacturing Project 12.00%
Others 13.00%
Loans to NBFIs 12.00%
Lease Finance/Hire Purchase
Industrial/Manufacturing Project 11.50%
Others 12.50%
House Building Loan (HBL)
Residential 12.50%
Commercial
Industrial/Manufacturing Project 11.50%
Others 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
i) Doctors' Credit Scheme
Interest Rate 18.50%
Loan Processing Fee 1%
ii) Personal Loan Scheme
Interest Rate 13.50%
Loan Processing Fee Up to 1%o on loan amount
Risk Fund Nil
iii) Car Loan Scheme
Interest Rate 13.00%
Loan Processing Fee Up to 1olo on loan amount
iv) Home Loan Scheme
Interest Rate 1l.50%
Loan Processing Fee Up to lolo on loan amount
v) House Furnishing Loan (Consumer Loan Scheme)
Interest Rate 14.50%
Loan Processing Fee Up to l%o on loan amount
Risk Fund Nil
vi) Cottage Loan
Interest Rate 12.50%
Loan Processing Fee Up to 1olo on loan amount
vii) Education Loan
Interest Rate During Moratorium Period 10.00%*
Interest Rate After Moratorium Period 14.50%
viii) 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
Industrial/Manufacturing Project 12.00%
Others 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.
->For agro-processing industry under SME. rates & rules mentioned in relevant Bangladesh Bank (BB) circular will be applicable whether loans are refinanced by BB or not. In case of overdue, rate of interest will be 2% higher than the prescribed rate.
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