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Interest Rates
Savings Deposit Rate
Savings 2.50% (for general) (for any amount)
Fixed Deposit Rate
Period For any Amount
1 Month to less less 3 Months 3.00% (For any amount)
3 Months to less than 6 Months 5.50% (For any amount)
6 Monttrs to less ihan 1 Year 5.75% (For any amount)
1 Year 6.00% (For any amount)
2 Years 6.00% (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
2.00% 2.25% 3.00% 4.00% 4.50%
Masik Munafa Amanat Prokolpo (MMAP) Rates
Tenure Simple Interest Rate Effective Interest Rate
3 years or 5 years 6.90% 7.12%
(3 & 5 years, Tk.575 per month per Tk. 100,000/-before tax)
Masik Shanchaya Prokolpo (MSP) Rates
Period Simple Interest Rate Effective Interest Rate
3 Years 7.25% 7.50%
5 Years 7.25% 7.50%
8 Years 7.25% 7.50%
10 Years 7.25% 7.50%
Digun Briddhi Amanat Prokolpo (DBAP) Rates
Tenure Effective Interest Rate
9 years 8.01%
Troi Masik Munafa Amanat Prokolpo Rates
Tenure Simple Interest Rate Effective Interest Rate
3 years 6.90% 7.12%
(Tk.1,725 per quarter per Tk.100,000/- before tax)
Super Munafa Amanat Prokolpo (SMAP) Rates
Tenure Simple Interest Rate Effective Interest Rate
1 years 7.21% 7.45%
(Tk.1,000 per month per Tk.185,000/-)
Non Chequeable Savings Bank Account (NSB A/C) Rates
Non Chequeable Savings 1.5 % higher interest than of usual Savings Bank Account
Aporajita Masik Munafa Prokolpo Rates
Tenure Effective Interest Rate
3 years or 5 years Simple interest rate 7.20% p.a.
Effective annual interest rate 7.44% p.a.
(3 & 5 years, Tk.600 per month per Tk.100,000/-before tax)
MBL Bonus Sanchay Hishab Rates
Minimum Balance BDT 10,000.00 Simple interest rate is equal to the interest rate of regular Savings Bank (SB) account.
Minimum Balance BDT 50,000.00 Simple interest rate is 0.50% higher than the interest rate of regular Savings Bank (SB) account.
Minimum Balance BDT 100,000.00 Simple interest rate is 1.00% higher than the interest rate of regular Savings Bank (SB) account.
Savings Bank Account for MSS Rates
1.00% less than the existing Savings Bank Account i.e. 1.5%
Poribar Surokkha Amanat Prokolpo (PSAP) Rates
Tenure Simple Interest Rate Effective Interest Rate
2 years or 4 years 6.90% 7.12%
(Tk.575 per month per Tk.100,000/- before tax)
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 9.00%
Other Term Loans 9.00%
Working Capital Financing:
Industrial/Manufacturing Project (Including Cash Incentive & Time Loan 9.00%
Industrial/Manufacturing Project (IDBP) 9.00%
Trade Financing/Business Loans (IDBP) 9.00%
Work Order / Supply Order 9.00%
Export Loan (PC) 7.00%*
Export Loan (ECC) 7.00%*
Trade Financing/Business Loans (including Time Loan) 9.00%
Import financing of rice, wheat, edible oil (refined and crude), pulse, peas, onion, dates and sugar 9.00%
Short Term Loan (STL)- (For maximum 06 months) 9.00%
Financing to Small & Medium Enterprise
With BB refinancing As per Bangladesh Bank's directives **
Without BB refinancing
Industrial/Manufacturing Project 9.00%
Others 9.00%
Womcn Entrepreneurs Development Schema
With BB refinancing As per Bangladesh Bank's directives **
Without BB refinancing
Industrial/Manufacturing Project 9.00%
Others 9.00%
Loans to NBFIs 9.00%
Lease Finance/Hire Purchase
Industrial/Manufacturing Project 9.00%
Others 9.00%
House Building Loan (HBL)
Residential 9.00%
Commercial
Industrial/Manufacturing Project 9.00%
Others 9.00%
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 9.00%
SOD/Loans against Shares/Debenture 9.00%
Special Credit Schemes
Loans under schemes
i) Doctors' Credit Scheme
Interest Rate 9.00%
Loan Processing Fee 1%
ii) Personal Loan Scheme
Interest Rate 9.00%
Loan Processing Fee Up to 1% on loan amount
Risk Fund Nil
iii) Car Loan Scheme
Interest Rate 9.00%
Loan Processing Fee Up to 1% on loan amount
iv) Home Loan Scheme
Interest Rate 9.00%
Loan Processing Fee Up to 1% on loan amount
v) House Furnishing Loan (Consumer Loan Scheme)
Interest Rate 9.00%
Loan Processing Fee Up to 1% on loan amount
Risk Fund Nil
vi) Cottage Loan
Interest Rate 9.00%
Loan Processing Fee Up to 1% on loan amount
vii) Education Loan
Interest Rate During Moratorium Period 9.00%
Interest Rate After Moratorium Period 9.00%
viii) Overseas Employment Loan Scheme 9.00%
Rural Development Scheme 9.00%
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 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.
Factoring
Industrial/Manufacturing Project 9.00%
Others 9.00%
SOD (EMFS) under e tendering 9.00%
Other Loans & Advances 9.00%
* Fixed Rate
** Subject to receiving of refinance from Bangladesh Bank. Loan under refinance scheme of Bangladesh Bank shall be guided by Bangladesh Bank Circulars/Instructions.
*** Margin Fixed but rate of the interest to be fixed based on interest of financial instruments i.e FDR/Scheme deposit.
-> 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.
Note:
1. The revised rate will also be applicable for any lending under Syndication/Club but it will be determined based on common decision of the lenders and borrower meeting. However, it will not be applicable for any loan at special rate approved by the Board of Directors of the Bank.

2. The revised rate(s) on lending will be effective from April 01, 2020 and shall remain in force until further instructions.

3. The revised rates shall be notified to the customers in written and installment size against Term Loan to be re-fixed as well as Cheque (s) against installment(s) to be replaced (lf applicable).
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