Investment Profit Rate
| Economic Purposes | Declared rate | Lowest rate | Highest rate |
|---|---|---|---|
| A | B | C | D |
| A. Agriculture, Fishing & Forestry | |||
| 1. Agriculture | |||
| a) Cultivation | 12.00% | 12.00% | 12.00% |
| b) Planting | 12.00% | 12.00% | 12.00% |
|
c) Agricultural Machineries
and Implements |
12.00% | 12.00% | 12.00% |
|
d) Fertilizer and pesticides
Investments for Farmers |
12.00% | 12.00% | 12.00% |
| e) Livestock | 12.00% | 12.00% | 12.00% |
|
f) Vegetables/Fruits
Preservation in cold storage |
12.00% | 12.00% | 12.00% |
|
g) Agricultural Investment
Disbursed Through NGOs |
11.50% | 10.50% | 12.50% |
| 2. Fishing | 12.00% | 12.00% | 12.00% |
| 3. Forestry and Logging | 12.00% | 12.00% | 12.00% |
| B. Industry | |||
|
1. Term Investment (Other Than
Working Capital Financing) |
|||
| a) Large Industries | |||
| aa) RMG | 13.00% | 12.00% | 14.00% |
| ab) Feed Manufacturing | 11.00% | 10.00% | 12.00% |
| ac) Petroleum and Lubricants Products | 12.75% | 11.75% | 13.75% |
| ad) Pharmaceuticals | 11.75% | 10.75% | 12.75% |
| ae) Steel Manufacturing | 12.00% | 11.00% | 13.00% |
| af) Others | 13.00% | 12.00% | 14.00% |
| b) Small and Medium Industries | 13.50% | 12.50% | 14.00% |
| c) Cottage Industries/Micro Industries | 13.50% | 12.50% | 14.00% |
| d) Service Industries | 13.50% | 12.50% | 14.00% |
|
2. Working Capital Financing
(Excluding Excluding Export and Import Financing) |
|||
| a) Large Industries | |||
| aa) RMG | 13.00% | 12.00% | 14.00% |
| ab) Feed Manufacturing | 11.00% | 10.00% | 12.00% |
| ac) Petroleum and Lubricants Products | 12.75% | 11.75% | 13.75% |
| ad) Pharmaceuticals | 11.75% | 10.75% | 12.75% |
| ae) Steel Manufacturing | 12.00% | 11.00% | 13.00% |
| af) Others | 13.00% | 12.00% | 14.00% |
| b) Small and Medium Industries | 13.50% | 12.50% | 14.00% |
| c) Cottage Industries/Micro Industries | 13.50% | 12.50% | 14.00% |
| d) Service Industries | 13.50% | 12.50% | 14.00% |
| C. Construction | |||
| 1. Housing (Commercial) for Developer/Contractor | 13.50% | 12.50% | 14.00% |
| 2. Housing (Residential) in urban area for individual person | 11.00% | 10.00% | 12.00% |
| 3. Housing (Residential) in rural area for individual person | 11.00% | 10.00% | 12.00% |
| 4. Infrastructure Development (Road, Culvert, Bridge, etc. ) | 13.50% | 12.50% | 14.00% |
| 5. House Renovation or Repairing or Extension | 12.00% | 12.00% | 12.00% |
| 6. Commercial Building (Market, Factory, Hotel, Cold storage, Ware-house etc.) | 13.50% | 12.50% | 14.00% |
| 7. Establishment of Solar panel | 13.50% | 12.50% | 14.00% |
| 8. Effluent Treatment Plant | 13.50% | 12.50% | 14.00% |
| 9. Investment against Work Order/Pay Order/Earnest Money | 13.50% | 12.50% | 14.00% |
| 10. Water-works | 13.50% | 12.50% | 14.00% |
| 11. Sanitary Services | 13.50% | 12.50% | 14.00% |
| D. Transport | |||
| 1. Road Transport (Excluding personal vehicle & lease finance) | 13.50% | 12.50% | 14.00% |
| 2. Water Transport (Excluding Fishing Boats) | 13.50% | 12.50% | 14.00% |
| 3. Air Transport | 13.50% | 12.50% | 14.00% |
| E. Trade & Commerce | |||
| 1. Wholesale and Retail Trade (Bai, Share, etc. ) | |||
| a) Wholesale Trading | 13.50% | 12.50% | 14.00% |
| b) Retail Trading | 13.50% | 12.50% | 14.00% |
| c) Other Commercial Lending | 13.50% | 12.50% | 14.00% |
| 2. Procurement by Government | |||
| a) Jute | 13.50% | 12.50% | 14.00% |
| b) Paddy | 13.50% | 12.50% | 14.00% |
| c) Wheat | 13.50% | 12.50% | 14.00% |
| d) Others | 13.50% | 12.50% | 14.00% |
| 3. Export Financing (PC, ECC etc.) | |||
| a) Jute and Jute Products | 12.50% | 11.50% | 13.00% |
| b) Tea | 12.50% | 11.50% | 13.00% |
| c) Hides and Skins | 12.50% | 11.50% | 13.00% |
| d) Ready-made garments | 12.50% | 11.50% | 13.00% |
| e) Non-traditional items | 12.50% | 11.50% | 13.00% |
| f) Other Exported items | 12.50% | 11.50% | 13.00% |
| 4. Import Financing (TR, Bai, Forced etc. ) | |||
| a) Food Items | 13.50% | 12.50% | 14.00% |
| b) Petroleum and Petroleum Products | 13.50% | 12.50% | 14.00% |
| c) Machineries and Implements | 13.50% | 12.50% | 14.00% |
| d) Textile and Textile Products | 13.50% | 12.50% | 14.00% |
| e) Electric and Electronic goods and Spares | 13.50% | 12.50% | 14.00% |
| f) Sanitary Goods Including Tiles, Stones & Clinkers | 13.50% | 12.50% | 14.00% |
| g) Cosmetics & Crockeries | 13.50% | 12.50% | 14.00% |
| h) Medicine and Surgical Instruments | 13.50% | 12.50% | 14.00% |
| i) New Automobiles | 13.50% | 12.50% | 14.00% |
| j) Reconditioned Automobiles | 13.50% | 12.50% | 14.00% |
| k) Chemicals (except Medicine) | 13.50% | 12.50% | 14.00% |
| l) Iron and Steel products | 13.50% | 12.50% | 14.00% |
| m) Paper and Printed Papers | 13.50% | 12.50% | 14.00% |
| n) Computer and Accessories | 13.50% | 12.50% | 14.00% |
| o) Wood and Logging | 13.50% | 12.50% | 14.00% |
| p) Plastic and Plastic products including toys | 13.50% | 12.50% | 14.00% |
| q) Leather Goods | 13.50% | 12.50% | 14.00% |
| r) Poultry Feeds | 13.50% | 12.50% | 14.00% |
| s) Cattle Feeds | 13.50% | 12.50% | 14.00% |
| t) Coal | 13.50% | 12.50% | 14.00% |
| u) Ship | 13.50% | 12.50% | 14.00% |
| v) Other imported items | 13.50% | 12.50% | 14.00% |
| 5. Share Trading | 13.50% | 12.50% | 14.00% |
| 6. Lease Financing/Leasing | 13.50% | 12.50% | 14.00% |
| F. Other Institutional Loan | |||
| 1. Investments to Financial Corporations | |||
| a) Investment to NBFI | 13.50% | 12.50% | 14.00% |
| b) Investment to Insurance companies | 13.50% | 12.50% | 14.00% |
| c) Investment to NGO (excluding Agriculture) | 13.50% | 12.50% | 14.00% |
| d) Investment to Merchant Bnaks/ Brokerage Houses | 13.50% | 12.50% | 14.00% |
| e) Investment to Co-operative Banks/Societies | 13.50% | 12.50% | 14.00% |
| 2. Financing to Educational institutions | 13.50% | 12.50% | 14.00% |
| G. Consumer Finance | |||
| 1. Doctors Investment/ Professional Investments | 13.50% | 12.50% | 14.00% |
| 2. Flat Purchase | 11.00% | 10.00% | 12.00% |
| 3. Transport Investment (Motor car/Motor cycle etc.) | 13.50% | 12.50% | 14.00% |
| 4. Consumer goods (TV, Freeze, Air Cooler, Computer, Furniture etc.) | 13.50% | 12.50% | 14.00% |
| 5. Credit Cards | 2.00% (Monthly) | 2.00% (Monthly) | 2.00% (Monthly) |
| 6. Educational Expenses | 13.50% | 12.50% | 14.00% |
| 7. Treatment Expenses | 13.50% | 12.50% | 14.00% |
| 8. Marriage Expenses | 13.50% | 12.50% | 14.00% |
| 9. Land Purchase | N/A | N/A | N/A |
| 10. Investment against Salary | 13.50% | 12.50% | 14.00% |
| 11. Investment against PF | 0.00 | 0.00 | 0.00 |
| 12. Personal Investment against MMDS, MDS, etc. | Scheme Profit Rate + 3.00% | Scheme Profit Rate + 2.00% | Scheme Profit Rate + 3.50% |
| 13. Personal Investment against MTDR, MMBS, MDBS, etc. | Instrument Profit Rate + 3.00% | Instrument Profit Rate + 2.00% | Instrument Profit Rate + 3.50% |
| 14. Travelling/ Holiday Investments | 13.50% | 12.50% | 14.00% |
| 15. Other Personal Investments | 13.50% | 12.50% | 14.00% |
| H. Miscellaneous | |||
| 1. Private Welfare and Development Activities | 13.50% | 12.50% | 14.00% |
| 2. Program (EPZ, Special Economic Zone, Youth development etc.) | 13.50% | 12.50% | 14.00% |
| 3. Swanirvar | N/A | N/A | N/A |
| 4. Poverty Alleviation Program | N/A | N/A | N/A |
| 5. Other Investments Not mentioned above | 13.50% | 12.50% | 14.00% |
Last Updated on: October 2025