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Interest Rates
Savings Deposit Rate
Savings 3.50%
Fixed Deposit Rate
Period For any Amount
01 Month 3.50% (For any Amount)
3 Months 5.25% (For any Amount)
6 Months 5.50% (For any Amount)
1 Year 5.50% (up to Tk. Five Crore only)
5.75% (above Tk. Five Crore to Ten Crore Only)
6.00% (above Tk. Ten Crore to Fifty Crore Only)
6.50% (above Tk. Fifty Crore Only)
2 Year 5.00% (For any Amount)
3 Year 5.00% (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
Sectors of Business Present Interest Rate (Mid Rate)
Agricultural Loans:
Term Loan (Both Short Term & Long Term) 11.00%
Revolving Credit 11.00%
Term Loan:
Industrial / Manufacturing Project 11.50%
Other Term Loans 11.50%
Working Capital Financing:
Industrial / Manufacturing Project 11.50%
Work Order / Supply Order 12.50%
Export Loan (PC) 7.00%****
Export Loan (ECC) 7.00%*
Trade Financing/Business Loans 11.50%
Import financing of rice, wheat, edible oil (refined and crude), pulse, peas, onion, dates and sugar 11.50%
Short Term Loan (STL)- (For maximum 06 months) 9.00 ***
Financing to Small & Medium Enterprise
With BB refinancing 10.00%**
Without BB refinancing 12.50%
Loans to NBFIs 11.00%
Lease Finance/Hire Purchase (Industrial) 12.00%
Lease Finance/Hire Purchase 12.00%
House Building Loan (HBL)
Residential 12.00%
Commercial 12.50%
Loans against FDR FDR Rate + 3.00%*
Loans against Scheme Deposits of the Bank Scheme Deposit Rate + 4.00%*
Loans against Scheme Deposits etc. of other Bank 11.50
Loans against Shares/Debenture 11.50
Special Credit Schemes
Loans under schemes
Doctors' Credit Scheme
Interest Rate 14.00%
Loan Processing Fee Nil
Any Purpose Loan (Personal Loan Scheme)
Interest Rate 14.00%
Loan Processing Fee Nil
Risk Fund Nil
Car Loan Scheme
Interest Rate 13.50%
Loan Processing Fee Nil
Home Loan Scheme
Interest Rate 12.00%
Loan Processing Fee Nil
House Furnishing Loan (Consumer Loan Scheme)
Interest Rate 14.00%
Loan Processing Fee Nil
Risk Fund Nil
Women Entrepreneurs Development Scheme 10.00%**
Rural Development Scheme 13.50%
Overseas Employment Loan Scheme 13.50%
Financing Solar Energy & Bio-Gas project under BB refinance
Direct lending to ultimate beneficiary 9.00%**
Lending through NGO linkage 10.00%**
Financing Effluent Treatment Plant (ETP) 9.00%**
Cottage Loan
Interest Rate 13.50%
Loan Processing Fee Nil
Education Loan
Interest Rate During Moratorium Period 10.00%*
Interest Rate After Moratorium Period 14.50%
Financing to Jute Sector under Refinance Scheme of Bangladesh Bank 9.00%**
Financing to RMG Sector Safe Working Environment program of JICA assistance "FSPDSME" Project (Pre Finance) 7.00%*
Financing for Renewable Energy & Environment Friendly sector under Refinance Scheme of Bangladesh Bank 9.00%**
Financing against Scheme of Rifinance for setting up Agro based Product Processing Industries in Rutal Areas under Refinance Scheme of Bangladesh Bank. 10.00%**
Credit Card 27.00%*
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.
Other Loans & Advances 12.50%
* Fixed Rate
** Subject to receiving refinance from Bangladesh Bank. Otherwise, interest rate (mid rate) will be 11.50% p.a.. In case of overdue, the rate of interest will be 2% above on the lending rates. Loan under refinance scheme of Bangladesh Bank shall be guided by Bangladesh Bank Circular/Instruction.
*** For Head Office exercise only
**** Fixed Rate. But in case of overdue, the rate of interest will be 13% p.a.
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