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    Interest Rates



    1. You are here:
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    Loan

    Effective from: 12-May-2024

     

    Type   Interest Rate (Maximum)
    Agricultural & Rural Credit   13.55%
    Term Loan to Industries   14.55%
    Working Capital to Industries   14.55%
    Lease Finance to Industries   14.55%
    Trade Finance for Rice, Wheat, Edible Oil, Pulse, Peas, Onion, Dates & Sugar   14.55%
    Other Trade Finance   14.55%
    Export Credit   13.55%
    Other Commercial Lending   14.55%
    Housing -Commercial   14.55%
    Secured Overdraft:
        a) Fully cash covered- FDR/Scheme issued by Bank Asia Ltd. Instrument Rate + 3% Maximum
    (Below 3% spread needs corporate office approval)
        b) Fully cash covered- FDR/Scheme issued by other bank/NBFIs 13.55%
       c) Fully cash covered - against Wage Earner's Bond 13.55%
    Consumer Credit:
        a) Unsecured Personal Loan   15.05%
        b) Consumer Durable Loan   15.05%
        c) Auto Loan   14.05%
        d) Home Loan   13.55%
        e) Loan to Professional   15.05%
        f) Senior Citizen Support   15.05%
        g) Loan for Landlords   15.05%
    Travel Loan - Chuti   15.05%
    Short Term Credit to corporate   14.55%
    Other Medium & Long Term to corporate   14.55%
    Loans to Non Banking Financial Institution   14.55%
    SME

    Effective from: 12-May-2024

     

    Type Interest Rate
    - -
    a) Shubidha- unsecured trading (Term Loan)   14.55%
    b) Sristi - unsecured Manufacturing (Term Loan)   14.55%
    c) Shofol- unsecured service (Term Loan)   14.55%
    d) Shondhi- Secured Trading ( Term Loan)   14.55%
    e) Shombridhi- Secured Manufacturing(Term Loan)   14.55%
    f) Sheba Secured Service (Term Loan)   14.55%
    g) Shamadhan- Overdraft
         i) Trading, Manufacturing & Service   14.55%
         ii) Women Entrepreneurs   14.55%
    h) Utshob-Seasonal   14.55%
    i) Subarno- Women Entrepreneurs (Term Loan)   5.00% (Fixed)
    j) Bahon- Commercial Vehicle Finance   14.55%
    k) Shopner Khamar (unsecured Term & Demand Loan)   14.55%
    l) Uttaran (secured/unsecured Term & Demand Loan)   14.55%
    m) Shombhabona (Unsecured Term Loan)   14.55%
    Lending Rate by Economic Sector

    Deposit

    Effective from: 30-Sep-2024

    Following are the interest rates of deposit products for our honorable customers. We offer different rates on different product.

     

     

    Type Interest Rate

    Savings Account

    Avg. Balance below Tk. 1 Lac 2.00%
    Avg. Balance Tk. 1 Lac & above but below Tk. 1.00 Crore 2.00%
    Avg. Balance Tk. 1.00 Crore and above 3.00%

    STAR Savings Account

    Avg. balance below Tic 50,000 0%
    Avg. balance Tk. 50,000 but below Tic 1.00 Lac 0%
    Avg. balance Tk. 1.00 Lac but below Tk 5.00 Lac 3.00%
    Avg. balance Tic 5.00 Lac but below Tk. 25.00 Lac 3.50%
    Avg. balance Tk. 25.00 Lac but below Tk. 50.00 Lac 3.75%
    Avg. balance Tk. 50.00 Lac but below Tk 1.00 Crore 3.75%
    Avg. balance Tk. 1.00 Crore and below Tk 2 Crore 4.00%
    Avg. balance Tk. 2.00 Crore and below Tk 5 Crore 4.50%
    Avg. balance Tk. 5.00 Crore and below Tk 10 Crore 5.00%
    Avg. balance Tk. 10.00 Crore and above 6.00%

    Special Notice Deposit (SND)

    Avg. balance below Tk. 1 crore 2.50%
    Avg. balance Tk. 1 crore but below Tk. 25 crore 4.00%
    Avg. balance Tk. 25 crore but below Tk. 50 crore 6.00%
    Avg. balance Tk. 50 crore but below Tk. 100 crore 7.50%
    Avg. balance Tk. 100 crore and above 8.00%
    For IPO Fund 1.00%

    Fixed Deposit Receipt (FDR) for COMPANY

    1 month tenure (Any Amount  ) 7.00%
    2 month tenure (Any Amount  ) 7.50%
    3 month tenure (Below Tk.01 Crore) 9.00%
    3 month tenure (Tk. 01 crore to below 05 crore) 9.00%
    3 month tenure (Tk. 05 crore to below 10 crore) 9.25%
    3 month tenure (Tk 10 crore & below 25 crore) 9.25%
    3 month tenure (Tk 25 crore & below 50 crore) 9.75%
    3 month tenure (Tk 50 crore & above) 9.75%
    6 month tenure (Below Tk. 01 crore) 9.75%
    6 month tenure (Tk. 01 crore to below 05 crore) 9.75%
    6 month tenure (Th. 5 crore to below 10 crore 9.75%
    6 month tenure (Tk.10 Crore & below 25 crore) 9.75%
    6 month tenure (Tk.25 Crore & below 50 crore) 10.00%
    6 month tenure (Tk.50 Crore & above) 10.00%
    1 year tenure (Below Tk. 01 Crore) 9.75%
    1 year tenure (Tk. 1 Crore & Below Tk. 05 Crore) 10.00%
    1 year tenure (Tk. 05 Crore & Below Tk. 10 Crore) 10.00%
    1 year tenure (Tk.10 Crore & below 25 crore) 10.25%
    1 year tenure (Tk.25 Crore & below 50 crore) 10.25%
    1 year tenure (Tk.50 Crore & above) 10.25%
    2 year tenure (Any Amount) 10.50%
    3 year tenure (Any Amount ) 10.50%

    Fixed Deposit Receipt (FDR) for INDIVIDUAL

    1 month tenure (Any Amount) 4.00%
    2 month tenure (Any Amount) 5.00%
    3 month tenure (Below Tk. 01 Crore) 8.50%
    3 month tenure (Tk. 1 Crore & above) 9.00%
    6 month tenure (Below Tk. 01 Crore) 9.00%
    6 month tenure (Tk. 1 Crore & above) 9.25%
    1 year tenure (Below tk. 01 Crore) 9.75%
    1 year tenure (Tk. 01 Crore & avobe)) 9.75%
    2 year tenure (Any Amount) 9.75%
    3 year tenure (Any Amount) 9.75%

    Super Saver Deposit Accounts

    CORPORATE/INSTITUTIONAL ACCOUNT

    Rate

    Minimum Deposit Amount

    BDT 5.00
    Million

    100 Days (BDT 5.00 Mln to BDT 250.00 Mln)

    10.00%

    100 Days (BDT 250.00 Mln to below BDT 500 Mln)

    10.50%

    100 Days (BDT 500 Mln above) 10.75%

    200 Days (BDT 5.00 Mln to BDT 250.00 Mln)

    11.00%

    200 Days (BDT 250.00 Mln and above)

    11.00%

    400 Days (BDT 5.00 Mln to BDT 250.00 Mln)

    11.00%

    400 Days (BDT 250.00 Mln and above)

    11.00%

    INDIVIDUAL /RETAIL ACCOUNT

    Minimum Deposit Amount

    BDT 10.00 Lac / 1.00
    Million

    100 Days (BDT 10.00 Lac to below BDT 1.00 crore)

    9.50%

    100 Days (BDT 1.00 Crore to below BDT 5.00 crore)       9.75%
    100 Days (BDT 5.00 crore to below BDT 10.00 crore) 10.50%
    100 Days (BDT 10.00 Crore and above) 10.50%

    200 Days (BDT 10.00 Lacto below BDT 1.00 crore)

    9.75%

    200 Days (BDT 1.00 Crore to below BDT 5.00 crore) 10.50%
    200 Days (BDT 5.00 crore to below BDT 10.00 crore) 10.50%
    200 Days (BDT 10.00 Crore and above) 10.50%

    400 Days (BDT 10.00 Lac to below BDT 1.00 crore)

    10.50%

    400 Days (BDT 1.00 crore to below BDT 5.00 crore) 10.50%
    400 Days (BDT 5.00 Crore to below BDT 10.00 crore) 10.75%
    400 Days (BDT 10.00 Crore and above) 10.75%

    Effective date of new interest rate  : 30th September, 2024.

     

     

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    Loan Calculator

    Rate of Interest (ROI)
    Loan Tenure (in Years)
    Loan Amount
    Loan Payable (Per Month) :  8,561 BDT
    Total Interest Payable :  2,729 BDT
    Total Payment (Principal + Interest) :  102,729 BDT