Loan Rates

Declared Lending Interest Rate by Economic Sector (As on 01.01.2025)
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 13.50% 12.50% 14.50%
   (aa) RMG 13.50% 12.50% 14.50%
   (ab) Others 13.50% 12.50% 14.50%
  b) Small and Medium Industries 13.50% 12.50% 14.50%
  c) Cottage Industries/Micro Industries 13.50% 12.50% 14.50%
  d) Service Industries 13.50% 12.50% 14.50%
 2. Working Capital Financing (Excluding Export & Import Financing)      
 a) Large Industries      
  (aa) RMG 13.50% 12.50% 14.50%
  (ab) Others 13.50% 12.50% 14.50%
 b) Small and Medium Industries 13.50% 12.50% 14.50%
 c) Cottage Industries/Micro Industries 13.50% 12.50% 14.50%
 d) Service Industries 13.50% 12.50% 14.50%
C. Construction       
 1. Housing (Commercial) :-For Developer/Contractor  13.50% 12.50% 14.50%
 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.)  13.50% 12.50% 14.50%
 5. House Renovation or Repairing or Extension  12.00% 11.00% 13.00%
 6. Commercial Building (Market, Factory, Hotel, Cold storage, Ware-house etc.) 13.50% 12.00% 14.00%
 7. Establishment of Solar panel 13.50% 12.50% 14.50%
 8. Effluent Treatment Plant  13.50% 12.50% 14.50%
 9. Loan against Work Order/Pay Order/Earnest Money 13.50% 12.50% 14.50%
 10. Water-works  13.50% 12.50% 14.50%
 11. Sanitary Services 13.50% 12.50% 14.50%
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  12.50% 11.50% 13.50%
  b) Tea  12.50% 11.50% 13.50%
  c) Hides and Skins  12.50% 11.50% 13.50%
  d) Ready-made Garments 12.50% 11.50% 13.50%
  e) Non-traditional Items  12.50% 11.50% 13.50%
  f) Other Exported Items .  12.50% 11.50% 13.50%
4. Import Financing (LIM, LTR, TR etc.)       
  a) Food Items  13.50% 12.50% 14.50%
  b) Petroleum and Petroleum Products   13.50% 12.50% 14.50%
  c) Machineries and Implements  13.50% 12.50% 14.50%
  d) Textile and Textile Products  13.50% 12.50% 14.50%
  e) Electric and Electronic Goods & Spares  13.50% 12.50% 14.50%
  f) Sanitary Goods Including Tiles, Stones & Clinkers 13.50% 12.50% 14.50%
  g) Cosmetics & Crockeries  13.50% 12.50% 14.50%
  h) Medicine and Surgical Instruments  13.50% 12.50% 14.50%
  i) New Automobiles.   13.50% 12.50% 14.50%
  j) Reconditioned Automobiles.  13.50% 12.50% 14.50%
  k) Chemicals (except Medicine)  13.50% 12.50% 14.50%
  l) Iron and Steel Products  13.50% 12.50% 14.50%
  m) Paper and Printed Papers  13.50% 12.50% 14.50%
  n) Computer and Accessories  13.50% 12.50% 14.50%
  o) Wood & Logging 13.50% 12.50% 14.50%
  p) Plastic & Plastic Products (including toys) 13.50% 12.50% 14.50%
  q) Leather Goods  13.50% 12.50% 14.50%
  r) Poultry feeds  13.50% 12.50% 14.50%
  s) Cattle feeds   13.50% 12.50% 14.50%
  t) Coal  13.50% 12.50% 14.50%
  u) Ship  13.50% 12.50% 14.50%
  v) Other Imported Items.  13.50% 12.50% 14.50%
 5. Share Trading  13.50% 12.50% 14.50%
 6. Lease Financing/Leasing  13.50% 12.50% 14.50%
F. Other Institutional Loan      
 1. Loan to Financial Corporations       
  a) Credit to NBFIs 14.00% 13.00% 15.00%
  b) Credit to Insurance Companies  13.50% 12.50% 14.50%
  c) Credit to NGOs (Excluding Agriculture loan)  13.50% 12.50% 14.50%
  d) Credit to Merchant Banks/Brokerage Houses  13.50% 12.50% 14.50%
  e) Credit to Co-operative Banks/Societies 13.50% 12.50% 14.50%
 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  13.00% 12.00% 14.00%
 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  N/A N/A N/A
 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 Credit Program (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% 7.00% 7.00%
 5. Other loans not mentioned above. N/A N/A N/A