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
6.91% w.e.f 15th of Feb 2024
Your Development Partner Since 1988
Monday - Friday : 9:00AM to 4:00PM
Monday - Friday : 9:00AM to 3:00PM
(Saturday : 9:00AM to 11:00AM)
6.91% w.e.f 15th of Feb 2024
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.