Contact Center : 1424 info@bdb.bt

འབྲུག་གོང་འཕེལ་དངུལ་ཁང་།།

Bhutan Development Bank

Your Development Partner Since 1988

Banking Hours

Summer

Monday - Friday : 9:00AM to 4:00PM

Winter

Monday - Friday : 9:00AM to 3:00PM

(Saturday : 9:00AM to 11:00AM)

MLR

6.86% w.e.f. June 2020

Loan Rates and Interest

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 – 20 years
1 Seasonal Loan 1 11.55 %    
2 Agricultural/Livestock Loan 10 10.25 % 10.50 %  
3 Small Scale Industrial Loan (upto 1 M) 5 11.30 % 11.50 %  
4 General Trade Loan 5 12.25 %    
5 Transport Loan 5 12.50 %    
6 Manufacturing/Industrial Loan 10 11.30 % 12.30 %  
7 Service and Tourism Loan 20 10.70 % 11.00 % 11.20 %
8 Construction Loan 5 12.20 %    
9 Commercial Housing Loan 20 10.50 % 11.00 % 11.25 %
10 Home Loan 20 10.00 % 10.25 % 10.50 %
11 Working Capital Loan 1 12.00 %    
12 Personal Loan 5 13.50 %    
13 Staff Loan 20 0.00 %    
14 Employee Loan 5 9.50 %    
15 Overdraft Loan 1 12.00 %    
16 Group Seasonal Loan 1 10.00 %    
17 Group Term Loan 5 10.00 %    
18 Resettlement Seasonal Loan 1 10.00 %    
19 Resettlement Term Loan 5 10.00 %    
20 Working Capital Loan (OD) 1 12.00 %    
21 Micro Enterprise Loan 3 12.00 %    
22 BCCI-SME Loan 3 10.00 %    
23 Coop. Revolving Loan (DAMC) 5 10.00 %    
24 Education Loan 5 10.00 %    
25 Co-operative Loan 5 12.00 %    
26 Home Settlement Loan 5 9.50 %    
27 Equity Financing 20 12.00 % 12.00 % 12.00 %
28 EDP Loan 10 10.00 %    
29 Loan to purchase shares/securities 5 11.50 %    

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.