Banking Hours:
Summer Timing (Mar - Oct) Mon-Fri: 9am to 4pm, Sat: 9am to 11am
Winter Timing (Nov - Feb) Mon-Fri: 9am to 3pm, Sat: 9am to 11am
Accounts & Deposits
Loan Products
BNBL started issuing Bank Guarantees and Performance Guarantees from 1997.

Types of Bank Guarantees:-
1. Bank Guarantee for Bid Security/Earnest Money Deposit (EMD)
2. Bank Guarantee for Mobilization Advance
3. Bank Guarantee for Advance Payment
4. Bank guarantee for Retention of Money
5. Bank Guarantee for Security Deposit
6. Bank guarantee for Defect Liability
7. Performance Guarantee Inland
8. Bank Guarantee Foreign
9. Performance Guarantee Foreign

Policy:
Commission Rate
Bank Guarantee for EMD & Bid Security
upto 250,000 - Nu. 500
above 2,50,001 to 500,000 - Nu. 1000
above 500,001 to 1,000,000 - Nu. 2000
above 1,000,001 - Nu 3000
Bank Guarantee for Mobilization Advance • 2% on the guarantee amount
Bank Guarantee for Advance Payment • 2% on the guarantee amount
Bank Guarantee for Retention of Money • 2% on the guarantee amount
Bank Guarantee for Security Deposit • 2% on the guarantee amount
Bank Guarantee for Defect Liability • 2% on the guarantee amount
Bank Guarantee Foreign • 3% on the guarantee amount
Performance Guarantee Inland •
1. Upto Nu.100 million = 2% p.a, Min Nu.500
2. Above Nu.100 million= Negotiation between the bank and the client.
3. Against Cash margin money = 1% p.a
4. Against Fixed Deposit = 2%
Performance Guarantee Foreign •
1. Upto Nu.100 million = 2% p.a, Min Nu.500
2. Above Nu.100 million= Negotiation between the bank and the client.
3. Against Cash margin money = 1% p.a
4. Against Fixed Deposit = 2%
1% for Margin Money Deposits for both Bank and Performance Guarantees; domestic.

Eligibility Criteria:
Security
Security Coverage 1:1
Immovable properties; House/Building must be commercially viable
Movable properties; Equipment/Vehicles (not older than five years)
Gold jewelleries and Fixed Deposit Certificates
Should be a Bhutanese citizen
Should have a sound source of repayment
Guarantees issued must be covered at the ratio of 1:1

Documents
Authenticated ownership of properties
2 Nos of Passport size photograph
Trade License
CDB Certificate (if it is Construction Company)
Citizenship Identity Card Copy
FIS clearance
Your Relationship Bank
TOLL FREE NO: 6070     
BNB Signature tune
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