Lending Rates
 
 
Products Interest rate w.e.f
November 4, 2015
Mid Rate Range
1) Agriculture (As per Bangladesh Bank Directives) 11.00% 11.00%
2) Export (As per Bangladesh Bank Directives) 7.00% 7.00%
3) Large and medium scale industries (Term) 12.00% 10.50%- 13.50%
4) Small Industries (Term Loan) 13.00% 11.50%-14.50%
5) Working Capital    
a) Large and medium scale industries 12.00% 10.50%-13.50%
b) Small Industries 13.00% 11.50%-14.50%
6) Commercial Lending    
a) Large and medium scale industries 12.50% 11.00%-14.00%
b) Small Industries 13.00% 11.50%-14.50%
7) Housing Loans 13.50% 12.00%-15.00%
8) Consumer Credit 15.00% 13.50%-16.50%
9) Credit Card
Interest Rate for Cash and Retail Purchase 24.00% p.a. 24.00% p.a
Interest Rate for Balance Transfer 20.00% p.a. 20.00% p.a.
Interest Rate for Installment Loan in Credit Cards 16.00% p.a. 16.00% p.a.
10) Finance to NBFI's 13.00% 11.50%-14.50%
11) Short Term Loan (Maximum upto 4 months) 10.00% 8.50%-11.50%
12) Others    
i) Cash collateral - ABBL FDR/DDS/MSDS (Maximum 90.00%)
- ABBL MIDS (Maximum 80.00%)
-- Instrument Rate + 2%-3% spread
ii) Cash Collateral - Other Banks FDR/Scheme Deposit/ WDB/USD Premium Bond/ USD Investment Bond ( Maximum 90.00%) 13.50% 12.00%-15.00%
iii) Women Enterpreneur upto Tk 50.00 lac (As per Bangladesh Bank Directives) 10.00% 10.00%
iv) Special Scheme Loans - SME 13.50% 12.00%-15.00%
v) Auto Loan 14.00% 12.50%- 15.50%

Notes:
  1. For taking exposure on "Digun Loan" under Special Scheme, the rate will be 8% above the instruments' rate.