Loan Rates

Declared Lending Interest Rate by Economic Sector

Economic Purpose Declared rate Lowest rate Highest rate
A B C D
A. Agriculture, Fishing & Livestock
1. Agriculture      
a) Cultivation 12.00% 11.00% 13.00%
b) Plantation 12.00% 11.00% 13.00%
c) Agricultural Machineries and Implements 12.00% 11.00% 13.00%
d) Fertilizers and Pesticides Loans for Farmers 12.00% 11.00% 13.00%
e) Livestock 12.00% 11.00% 13.00%
f) Vegetables/Fruits Preservation in Cold Storage 12.00% 11.00% 13.00%
g) Agriculture Loan Disbursed through NGOs 12.00% 11.00% 13.00%
2. Fishing 12.00% 11.00% 13.00%
3. Forestry and Logging 12.00% 11.00% 13.00%
B. Industry
1. Term Loan ( Other than Working Capital Financing)      
a) Large Industries      
(aa) RMG 12.50% 11.50% 13.50%
(ab) Others 13.00% 12.00% 14.00%
b) Small and Medium Industries 13.00% 12.00% 14.00%
c) Cottage Industries/Micro Industries 13.00% 12.00% 14.00%
d) Service Industries 13.00% 12.00% 14.00%
2. Working Capital Financing (Excluding Export & Import Financing)      
a) Large Industries      
(aa) RMG 12.50% 11.50% 13.50%
(ab) Others 13.00% 12.00% 14.00%
b) Small and Medium Industries 13.00% 12.00% 14.00%
c) Cottage Industries/Micro Industries 13.00% 12.00% 14.00%
d) Service Industries 13.00% 12.00% 14.00%
C. Construction
1. Housing (Commercial) :-For Developer/Contractor 13.00% 12.00% 14.00%
2. Housing (Residential) in urban area for individual person 12.00% 11.00% 13.00%
3. Housing (Residential) in rural area for individual person 12.00% 11.00% 13.00%
4. Infrastructure Development (Road, Culvert, Bridge, Tower etc.) 13.00% 12.00% 14.00%
5. House Renovation or Repairing or Extension 12.00% 11.00% 13.00%
6. Commercial Building (Market, Factory, Hotel, Cold storage, Ware-house etc.) 13.00% 12.00% 14.00%
7. Establishment of Solar panel 13.00% 12.00% 14.00%
8. Effluent Treatment Plant 13.00% 12.00% 14.00%
9. Loan against Work Order/Pay Order/Earnest Money 13.00% 12.00% 14.00%
10. Water-works 13.00% 12.00% 14.00%
11. Sanitary Services 13.00% 12.00% 14.00%
D. Transport
1. Road Transport (excluding Personal vehicle & Lease finance) 13.50% 12.50% 14.50%
2. Water Transport (excluding Fishing Boats) 13.50% 12.50% 14.50%
3. Air Transport 13.50% 12.50% 14.50%
E. Trade & Commerce
1. Wholesale and Retail Trade (CC, OD etc.)      
a) Wholesale Trading 13.50% 12.50% 14.50%
b) Retail Trading 13.50% 12.50% 14.50%
c) Other Commercial lending 13.50% 12.50% 14.50%
2. Procurement by Government      
a) Jute 13.50% 12.50% 14.50%
b) Paddy 13.50% 12.50% 14.50%
c) Wheat 13.50% 12.50% 14.50%
d) Others 13.50% 12.50% 14.50%
3. Export Financing ( PC, ECC etc. )      
a) Jute and Jute Products 11.50% 10.50% 12.50%
b) Tea 11.50% 10.50% 12.50%
c) Hides and Skins 11.50% 10.50% 12.50%
d) Ready-made Garments 11.50% 10.50% 12.50%
e) Non-traditional Items 11.50% 10.50% 12.50%
f) Other Exported Items . 11.50% 10.50% 12.50%
4. Import Financing (LIM, LTR, TR etc.)      
a) Food Items 13.00% 12.00% 14.00%
b) Petroleum and Petroleum Products 13.00% 12.00% 14.00%
c) Machineries and Implements 13.00% 12.00% 14.00%
d) Textile and Textile Products 13.00% 12.00% 14.00%
e) Electric and Electronic Goods & Spares 13.00% 12.00% 14.00%
f) Sanitary Goods Including Tiles, Stones & Clinkers 13.00% 12.00% 14.00%
g) Cosmetics & Crockeries 13.00% 12.00% 14.00%
h) Medicine and Surgical Instruments 13.00% 12.00% 14.00%
i) New Automobiles. 13.00% 12.00% 14.00%
j) Reconditioned Automobiles. 13.00% 12.00% 14.00%
k) Chemicals (except Medicine) 13.00% 12.00% 14.00%
l) Iron and Steel Products 13.00% 12.00% 14.00%
m) Paper and Printed Papers 13.00% 12.00% 14.00%
n) Computer and Accessories 13.00% 12.00% 14.00%
o) Wood & Logging 13.00% 12.00% 14.00%
p) Plastic & Plastic Products (including toys) 13.00% 12.00% 14.00%
q) Leather Goods 13.00% 12.00% 14.00%
r) Poultry feeds 13.00% 12.00% 14.00%
s) Cattle feeds 13.00% 12.00% 14.00%
t) Coal 13.00% 12.00% 14.00%
u) Ship 13.00% 12.00% 14.00%
v) Other Imported Items. 13.00% 12.00% 14.00%
5. Share Trading 13.50% 12.50% 14.50%
6. Lease Financing/Leasing 13.00% 12.00% 14.00%
F. Other Institutional Loan
1. Loan to Financial Corporations      
a) Credit to NBFIs 13.00% 12.00% 14.00%
b) Credit to Insurance Companies 13.00% 12.00% 14.00%
c) Credit to NGOs (Excluding Agriculture loan) 13.00% 12.00% 14.00%
d) Credit to Merchant Banks/Brokerage Houses 13.00% 12.00% 14.00%
e) Credit to Co-operative Banks/Societies 13.00% 12.00% 14.00%
2. Financing to Educational Institutions 13.50% 12.50% 14.50%
G. Consumer Finance
1. Doctors Loan/ Professional Loans 13.50% 12.50% 14.50%
2. Flat Purchase 12.00% 11.00% 13.00%
3. Transport loan (Motor car/Motor cycle etc. ) 13.50% 12.50% 14.50%
4. Consumer Goods (TV, Freeze, Air Cooler, Computer, Furniture etc.) 13.50% 12.50% 14.50%
5. Credit Cards 25.00% 25.00% 25.00%
6. Educational Expenses 13.50% 12.50% 14.50%
7. Treatment Expenses 13.50% 12.50% 14.50%
8. Marriage Expenses 13.50% 12.50% 14.50%
9. Land Purchase N/A N/A N/A
10. Loan against Salary 13.50% 12.50% 14.50%
11. Loan against PF N/A N/A N/A
12. Personal Loan against DPS, MSS etc. DPS Rate + 3.00% DPS Rate + 3.00% DPS Rate + 3.00%
13. Personal Loan against FDR, MBS, DBS etc. FDR Rate + 3.00% FDR Rate + 3.00% FDR Rate + 3.00%
14. Travelling/ Holiday Loan 13.50% 12.50% 14.50%
15. Other Personal Loans 13.50% 12.50% 14.50%
H. Miscellaneous
1. Private Welfare and Development Activities N/A N/A N/A
2. Advances for Special CreditProgram (Special Economic Zone, EPZ, Youth Development etc.) N/A N/A N/A
3. Swanirvar N/A N/A N/A
4. Poverty Alleviation Program 7.00% 7.0% 7.00%
5. Other loans not mentioned above. N/A N/A N/A