Please find below the loan rates and interest charges for various loan schemes provided by BDB.
| Serial | Product Description | Maximum Loan Tenure | Interest Rates | ||
|---|---|---|---|---|---|
| Upto 5 years | Above 5 years – 10 years | Above 10 years | |||
| 1 | Seasonal Loan | 1 | 11.25% | ||
| 2 | Agricultural/Livestock Loan | 10 | 9.25% | 9.25% | |
| 3 | Small Scale Industrial Loan (upto 1 M) | 5 | 10.00% | ||
| 4 | General Trade Loan | 5 | 12.50 % | ||
| 5 | Transport Loan | 5 | 9.50% | ||
| 6 | Manufacturing/Industrial Loan | 10 | 11.50% | 12.75 % | |
| Manufacturing/Industrial commercial Loan | 10 | 11.50% | |||
| 7 | Service and Tourism Loan | 20 | 10.50% | 11.25 % | 11.75 % |
| 8 | Construction Loan | 5 | 11.00% | ||
| 9 | Commercial Housing Loan | 30 | 9.00% | 10.75% | 10.75% |
| 10 | Home Loan | 30 | 8.75% | 9.25 % | 9.75% |
| 11 | Working Capital Loan | 1 | 12.00 % | ||
| Working Capital Term Loan | 12/00% | ||||
| 12 | Personal Loan | 5 | 10.00% | ||
| 13 | Employee Loan | 7 | 9.00% | ||
| 14 | Overdraft Loan | 1 | 9.50% | ||
| 15 | Group Seasonal Loan | 1 | 11.25% | ||
| 16 | Group Term Loan | 5 | 8.75% | ||
| 17 | Working Capital Loan (OD) | 1 | 12.00 % | ||
| 18 | Micro Enterprise Loan | 3 | 12.00 % | ||
| 19 | Education Loan | 5 | 9.00% | ||
| 20 | Co-operative Loan | 5 | 8.50 % | ||
| 21 | Home Settlement Loan | 5 | 9.50 % | ||
| 22 | Loan to purchase shares/equity | 5 | 10.75% | ||
| 23 | Loan To Contractor | 5 | 12.75% | ||
| 24 | Special Education Loan Secured | 9.00% | |||
| 25 | Special Education Loan Unsecured | 9.00% | |||
| 26 | Community Development Loan (Agriculture) | 5 | 11.00% | ||
| Community Development Loan (Homebased) | 5 | 11.00% | |||
| Service Loan | 10.00% | ||||
Lending rate for loan against individual/corporate Fixed Deposit is approved at 1% higher that the prescribed deposit rate and for inter Bank/FI’s lending shall be based on negotiation on the basis of common MLR set out by RMA and Bank’s own MLR set for 2017.
