| 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 |
12.00% |
12.00% |
12.00% |
| 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) Others |
13.00% |
12.00% |
14.00% |
| b) Small and Medium Industries |
13.00% |
12.00% |
14.00% |
| c) Cottage Industries/Micro Industries |
13.00% |
12.00% |
14.00% |
| d) Service Industries |
13.50% |
12.00% |
14.00% |
| 2. Working Capital Financing (Excluding Excluding Export and Import Financing) |
|
|
|
| a) Large Industries |
|
|
|
| aa) RMG |
13.50% |
12.50% |
14.00% |
| ab) Others |
13.50% |
12.50% |
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 |
12.00% |
12.00% |
12.00% |
| 3. Housing (Residential) in rural area for individual person |
12.00% |
12.00% |
12.00% |
| 4. Infrastructure Development (Road, Culvert, Bridge, etc. ) |
13.50% |
12.50% |
14.00% |
| 5. House Renovation or Repairing or Extension |
13.50% |
12.50% |
14.00% |
| 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 |
12.00% |
12.00% |
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 Loan 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% |
