Lending Rates
 
 
Products Mid Rate
(Previous)
Mid Rate Interest rate w.e.f January 01, 2013
1) Agriculture (As per Bangladesh Bank Directives) 13.00% 13.00% 13.00%
2) Export (As per Bangladesh Bank Directives) 7.00% 7.00% 7.00%
3) Large and medium scale industries (Term) 14.00% 14.00% 12.50%-15.50%
4) Small Industries (Term Loan) 16.50% 15.50% 14.00%-17.00%
5) Working Capital
a) Large and medium scale industries 14.00% 14.00% 12.50%-15.50%
b) Small Industries 16.50% 16.50% 14.00%-17.00%
6) Commercial Lending      
a) Large and medium scale industries 15.50% 15.50% 14.00%-17.00%
b) Small Industries 16.50% 16.00% 14.50%-17.50%
7) Housing Loans 16.50% 16.00% 14.50%-17.50%
8) Consumer Credit 19.50% 19.50% 18.00%-21.00%
9) Credit Card 2.00% per month 2.00% per month 2.00% per month
10) Finance to NBFI's 16.50% 16.50% 15.00%-18.00%
11) Others
i) Cash collateral-ABBL FDR (Maximum 80.00%) 16.50% 16.50% 15.00%-18.00%
ii) Cash Collateral - Other Banks FDR or WDB 16.75% 16.75% 15.25%-18.25%
iii) Women Enterpreneur upto Tk 50.00 lac (As per Bangladesh Bank Directives) 10.00% 10.00% 10.00%
iv) Special Scheme Loans - SME 16.50% 16.50% 15.00%-18.00%
v) Import Finance (Rice, Wheet, Edible Oil, Lentils, Peas, Onion, Dates, Suger and Chemical Fertilizer) 14.00% 14.00% 12.50%-15.50%
vi) Auto Loan 17.50% 17.50% 16.00%-19.00%

Notes:
  1. For lending against ABBL FDR, the rate is minimum 3.00% above the rate of the instrument.
  2. Exposure under cash collateral of other banks requires clearance from FI & Treasury.
  3. For taking exposure on "Digun Loan" under Special Scheme, the rate will be 8% above the instruments' rate; subject to maximum 20% p.a.
  4. For Women Entrepreneur (above Tk. 50.00 lac), the rate will be 15.00%-18.00%.