Relief for Borrowers: Special Interest & Penalty Waiver Scheme

By: webmaster

Bhutan Development Bank Limited introduces its One-Time Special Scheme, offering interest & penal interest waivers ranging from (30%-90%) and (100%) respectively depending on the upfront principal repayment at different levels as response to the significant financial challenges many of its clients are currently enduring. This initiative is thoughtfully designed to provide much-needed relief, helping borrowers overcome their difficulties, restore their financial health, and move forward with renewed confidence and stability.

Principal RepaymentWithin 3 MonthsWithin 4 months to 6 months
Interest concessionPenalty concessionInterest concessionsPenalty concessions
100%90%100%80%100%
90%80%100%70%100%
80%70%100%60%100%
70%60%100%50%100%
60%50%100%40%100%
50%40%100%30%100%

Eligibility:

  • All loans sanctioned before 31st March 2020 and classified as NPL as of 31st July 2025 are eligible. However, loans under litigation, enforcement, or with court verdicts will be eligible only if the loan is fully liquidated.

This initiative is more than just financial restructuring—it’s a lifeline for those struggling to restore their creditworthiness and regain financial stability. BDBL recognizes the challenges faced by the public and is committed to being part of the solution.

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