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    Interest Rates



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    Loan

    Effective from: 07-Feb-2022

     

    Type Mid Rate Maximum Rate
    Agricultural & Rural Credit 8.00% 8.00%
    Term Loan to Industries 8.50% 9.00%
    Working Capital to Industries 8.50% 9.00%
    Lease Finance to Industries 8.50% 9.00%
    Trade Finance for Rice, Wheat, Edible Oil, Pulse, Peas, Onion, Dates & Sugar 8.50% 9.00%
    Other Trade Finance 8.50% 9.00%
    Export Credit 7.00% 7.00%
    Other Commercial Lending 8.50% 9.00%
    Housing -Commercial 8.50% 9.00%
    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 9%
       c) Fully cash covered - against Wage Earner's Bond 9%
    Consumer Credit:
        a) Unsecured Personal Loan 8.50% 9.00%
        b) Consumer Durable Loan 8.50% 9.00%
        c) Auto Loan 8.50% 9.00%
        d) Home Loan 8.50% 9.00%
        e) Loan to Professional 8.50% 9.00%
        f) Senior Citizen Support 8.50% 9.00%
    Travel Loan - Chuti 8.50% 9.00%
    Short Term Credit to corporate 7.50% 9.00%
    Other Medium & Long Term to corporate 8.50% 9.00%
    Loans to Non Banking Financial Institution 8.50% 9.00%
    SME

    Effective from: 07-Feb-2022

     

    Type Rate
    Mid Rate Maximum Rate
    a) Shubidha- unsecured trading (Term Loan) 8.50% 9.00%
    b) Sristi - unsecured Manufacturing (Term Loan) 8.50% 9.00%
    c) Shofol- unsecured service (Term Loan) 8.50% 9.00%
    d) Shondhi- Secured Trading ( Term Loan) 8.50% 9.00%
    e) Shombridhi- Secured Manufacturing(Term Loan) 8.50% 9.00%
    f) Sheba Secured Service (Term Loan) 8.50% 9.00%
    g) Shamadhan- Overdraft
         i) Trading, Manufacturing & Service 8.50% 9.00%
         ii) Women Entrepreneurs 8.50% 9.00%
    h) Utshob-Seasonal 8.50% 9.00%
    i) Subarno- Women Entrepreneurs (Term Loan) 9.00% 9.00%
    j) Bahon- Commercial Vehicle Finance 8.50% 9.00%
    k) Shopner Khamar (unsecured Term & Demand Loan) 8.50% 9.00%
    l) Uttaran (secured/unsecured Term & Demand Loan) 8.50% 9.00%
    m) Shombhabona (Unsecured Term Loan) 8.50% 9.00%
    Deposit

    Effective from: 04-Jan-2023

    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 Tic. 50.00 Lac 3.75%
    Avg. balance Tk. 50.00 Lac but below Tic 1.00 Crore 3.75%
    Avg. balance Tk. 1.00 Crore and above 4.00%

    Special Notice Deposit (SND)

    Avg. balance below Tk. 1 crore 2.50%
    Avg. balance Tk. 1 crore but below Tk. 25 crore 2.50%
    Avg. balance Tk. 25 crore but below Tk. 50 crore 3.50%
    Avg. balance Tk. 50 crore but below Tk. 100 crore 3.50%
    Avg. balance Tk. 100 crore and above 4.00%
    For IPO Fund 1.00%

    Fixed Deposit Receipt (FDR) for COMPANY

    1 month tenure (Any Amount  ) 3.00%
    2 month tenure (Any Amount  ) 3.00%
    3 month tenure (Below Tk.01 Crore) 6.00%
    3 month tenure (Tk. 01 crore to below 05 crore) 6.00%
    3 month tenure (Tk. 05 crore to below 10 crore) 6.25%
    3 month tenure (Tk 10 crore & above) 6.50%
    6 month tenure (Below Tk. 01 more) 6.25%
    6 month tenure (Tk. 01 crore to below 05 crore) 6.75%
    6 month tenure (Th. 5 crore to below 10 crore 6.75%
    6 month tenure (Tk.10 Crore & above) 6.75%
    1 year tenure (Below Tk. 01 Crore) 6.75%
    1 year tenure (Tk. 1 Crore & Below Tk. 05 Crore) 6.75%
    1 year tenure (Tk. 05 Crore & Below Tk. 10 Crore) 7.00%
    1 year tenure (Tk. 10 Crore & avobe) 7.00%
    2 year tenure (Any Amount) 7.00%
    3 year tenure (Any Amount ) 7.00%

    Fixed Deposit Receipt (FDR) for INDIVIDUAL

    1 month tenure (Any Amount) 3.00%
    2 month tenure (Any Amount) 3.00%
    3 month tenure (Any Amount) 6.70%
    6 month tenure (Any Amount) 6.70%
    1 year tenure (Below tk. 01 Crore) 6.70%
    1 year tenure (Tk. 01 Crore & avobe)) 7.00%
    2 year tenure (Any Amount) 7.00%
    3 year tenure (Any Amount) 7.00%

    General Account

    LCY 7.00%
    FCY 4.00%

    Effective date of new Deposit Rate :
     04th January, 2023

     

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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