Loan Rates

Declared Lending Interest Rate by Economic Sector (As on 10.06.2024)
Economic Purpose Declared rate Lowest rate Highest rate
A B C D
A. Agriculture, Fishing & Livestock      
1. Agriculture      
  a) Cultivation 11.00% 10.00% 12.00%
  b) Plantation 11.00% 10.00% 12.00%
  c) Agricultural Machineries and Implements 11.00% 10.00% 12.00%
  d) Fertilizers and Pesticides Loans for Farmers 11.00% 10.00% 12.00%
  e) Livestock 11.00% 10.00% 12.00%
  f) Vegetables/Fruits Preservation in Cold Storage 11.00% 10.00% 12.00%
  g) Agriculture Loan Disbursed through NGOs 11.00% 10.00% 12.00%
 2. Fishing 11.00% 10.00% 12.00%
 3. Forestry and Logging 11.00% 10.00% 12.00%
B. Industry      
 1. Term Loan ( Other than Working Capital Financing)      
  a) Large Industries 12.55% 11.55% 13.55%
   (aa) RMG 12.55% 11.55% 13.00%
   (ab) Others 12.55% 11.55% 13.00%
  b) Small and Medium Industries 12.55% 11.55% 13.55%
  c) Cottage Industries/Micro Industries 12.00% 11.00% 13.00%
  d) Service Industries 12.55% 11.55% 13.55%
 2. Working Capital Financing (Excluding Export & Import Financing)      
 a) Large Industries      
  (aa) RMG 12.55% 11.55% 13.55%
  (ab) Others 12.55% 11.55% 13.55%
 b) Small and Medium Industries 12.55% 11.55% 13.55%
 c) Cottage Industries/Micro Industries 12.55% 11.55% 13.55%
 d) Service Industries 12.55% 11.55% 13.55%
C. Construction       
 1. Housing (Commercial) :-For Developer/Contractor  12.55% 11.55% 13.55%
 2. Housing (Residential) in urban area for individual person   11.00% 10.00% 12.00%
 3. Housing (Residential) in rural area for individual person  11.00% 10.00% 12.00%
 4. Infrastructure Development (Road, Culvert, Bridge, Tower etc.)  12.55% 11.55% 13.55%
 5. House Renovation or Repairing or Extension  11.00% 10.00% 12.00%
 6. Commercial Building (Market, Factory, Hotel, Cold storage, Ware-house etc.) 12.55% 11.55% 13.55%
 7. Establishment of Solar panel 12.55% 11.55% 13.55%
 8. Effluent Treatment Plant  12.55% 11.55% 13.55%
 9. Loan against Work Order/Pay Order/Earnest Money 12.55% 11.55% 13.55%
 10. Water-works  12.55% 11.55% 13.55%
 11. Sanitary Services 12.55% 11.55% 13.55%
D. Transport       
1. Road Transport ( excluding Personal vehicle & Lease finance)  12.55% 11.55% 13.55%
2. Water Transport (excluding Fishing Boats)  12.55% 11.55% 13.55%
3. Air Transport  12.55% 11.55% 13.55%
E. Trade & Commerce       
 1. Wholesale and Retail Trade (CC, OD etc.)       
  a) Wholesale Trading  12.55% 11.55% 13.55%
  b) Retail Trading  12.55% 11.55% 13.55%
  c) Other Commercial lending  12.55% 11.55% 13.55%
 2. Procurement by Government       
  a) Jute  12.55% 11.55% 13.55%
  b) Paddy 12.55% 11.55% 13.55%
  c) Wheat 12.55% 11.55% 13.55%
  d) Others 12.55% 11.55% 13.55%
3. Export Financing ( PC, ECC etc. )      
  a) Jute and Jute Products  11.55% 10.55% 12.55%
  b) Tea  11.55% 10.55% 12.55%
  c) Hides and Skins  11.55% 10.55% 12.55%
  d) Ready-made Garments 11.55% 10.55% 12.55%
  e) Non-traditional Items  11.55% 10.55% 12.55%
  f) Other Exported Items .  11.55% 10.55% 12.55%
4. Import Financing (LIM, LTR, TR etc.)       
  a) Food Items  12.55% 11.55% 13.55%
  b) Petroleum and Petroleum Products   12.55% 11.55% 13.55%
  c) Machineries and Implements  12.55% 11.55% 13.55%
  d) Textile and Textile Products  12.55% 11.55% 13.55%
  e) Electric and Electronic Goods & Spares  12.55% 11.55% 13.55%
  f) Sanitary Goods Including Tiles, Stones & Clinkers 12.55% 11.55% 13.55%
  g) Cosmetics & Crockeries  12.55% 11.55% 13.55%
  h) Medicine and Surgical Instruments  12.55% 11.55% 13.55%
  i) New Automobiles.   12.55% 11.55% 13.55%
  j) Reconditioned Automobiles.  12.55% 11.55% 13.55%
  k) Chemicals (except Medicine)  12.55% 11.55% 13.55%
  l) Iron and Steel Products  12.55% 11.55% 13.55%
  m) Paper and Printed Papers  12.55% 11.55% 13.55%
  n) Computer and Accessories  12.55% 11.55% 13.55%
  o) Wood & Logging 12.55% 11.55% 13.55%
  p) Plastic & Plastic Products (including toys) 12.55% 11.55% 13.55%
  q) Leather Goods  12.55% 11.55% 13.55%
  r) Poultry feeds  12.55% 11.55% 13.55%
  s) Cattle feeds   12.55% 11.55% 13.55%
  t) Coal  12.55% 11.55% 13.55%
  u) Ship  12.55% 11.55% 13.55%
  v) Other Imported Items.  12.55% 11.55% 13.55%
 5. Share Trading  12.55% 11.55% 13.55%
 6. Lease Financing/Leasing  12.55% 11.55% 13.55%
F. Other Institutional Loan      
 1. Loan to Financial Corporations       
  a) Credit to NBFIs 13.00% 12.00% 14.00%
  b) Credit to Insurance Companies  12.55% 11.55% 13.55%
  c) Credit to NGOs (Excluding Agriculture loan)  12.00% 11.00% 13.00%
  d) Credit to Merchant Banks/Brokerage Houses  12.55% 11.55% 13.55%
  e) Credit to Co-operative Banks/Societies 12.55% 11.55% 13.55%
 2. Financing to Educational Institutions 12.55% 11.55% 13.55%
G. Consumer Finance       
 1. Doctors Loan/ Professional Loans  12.55% 11.55% 13.55%
 2. Flat Purchase  11.00% 10.00% 12.00%
 3. Transport loan (Motor car/Motor cycle etc. ) 12.55% 11.55% 13.55%
  4. Consumer Goods (TV, Freeze, Air Cooler, Computer, Furniture etc.)  12.55% 11.55% 13.55%
 5. Credit Cards  20.00% 20.00% 20.00%
 6. Educational Expenses  12.55% 11.55% 13.55%
 7. Treatment Expenses 12.55% 11.55% 13.55%
 8. Marriage Expenses  12.55% 11.55% 13.55%
 9. Land Purchase  N/A N/A N/A
 10. Loan against Salary  12.55% 11.55% 13.55%
 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  12.55% 11.55% 13.55%
 15. Other Personal Loans 12.55% 11.55% 13.55%
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  11.00% 10.0% 12.00%
 5. Other loans not mentioned above. N/A N/A N/A