Loans sanctioned before 31st March 2020 and NPL as of 31st July 2025 are eligible for the penal and interest waiver scheme.
Yes. The 100% penal interest waiver applies across all loan sanctioned prior to 31st March 2020 and NPL as of 31st July 2025.
Yes. The scheme applies to all loans with BDBL, including erstwhile National CSI Development Bank Limited (NCSI) clients.
The percentage of interest waiver depends on the percentage of principal you clear. Different slabs and conditions will apply as follows:
If settled within 3 months;
| Principal Recovery | Interest Concessions | Penal Concessions |
| 100% | 90% | 100% |
| 90% | 80% | 100% |
| 80% | 70% | 100% |
| 70% | 60% | 100% |
| 60% | 50% | 100% |
| 50% | 40% | 100% |
If settled within 4-6 months;
| Principal Recovery | Interest Concessions | Penal Concessions |
| 100% | 80% | 100% |
| 90% | 70% | 100% |
| 80% | 60% | 100% |
| 70% | 50% | 100% |
| 60% | 40% | 100% |
| 50% | 30% | 100% |
Yes. Loan cases under litigation, enforcement, or with verdicts delivered are also eligible for this concession. However, the borrower must fully liquidate the loan under the terms of the concession.
Yes, any loan sanctioned prior to March 31, 2020 and NPL as of 31st July 2025.
Yes. You are eligible for the scheme provided the Loan is Liquidated.
Yes. Borrowers (or their legal representatives, where applicable) must submit a formal application to the Bank to avail of the concession.
This Scheme is a one-time scheme introduced by the bank to help borrowers to come out of NPL, future loans will be eligible as per the RMA regulation.
Yes, all loans sanctioned prior to 31st March 2020 and NPL as of 31st July 2025.
Yes. Even if you clear a certain percentage of the outstanding principal, you will receive an interest waiver based on the applicable slab and can opt for restructuring facilities but this will be subject to assessment by the bank to ensure the borrower has repayment capacity.
If repayment is not made within the scheme’s timeline, you will not be eligible for the waiver and normal charges/interest will apply.
Yes. The scheme is applicable to all eligible borrowers, including individuals and group.
Yes, the borrower needs to apply for the scheme.
The scheme is available for 6 months, and the borrower will be eligible for higher waiver if they liquidate earlier.
Yes, upon full liquidation of the loan clearance will be issued.
No. The Bank will not charge any additional fee to process applications under this scheme.
You may contact your nearest BDBL branch office or call our customer care centre for further guidance.
You can apply for the scheme and once you have deposited the amount; the case can be withdrawn from the court.
Yes. Deceased client’s loans are eligible. Applications must be submitted by anyone representing the deceased for liquidation.
The concession is a one-time benefit, available within a specified period (3 to 6 months), after which it will no longer be applicable.
