Loan Products

Loan ProductsFixed RateFloating Rates (1 year reset)Max. Tenure (Years)
Consumer Loan (GE)11.00%9.5%5
Personal Loan15.00%13.5%5
Housing-Commercial Loan13.00%10.00%30
Home Loan-Non Commercial11.00%9.00%30
Manufacturing & Industry Loan12.75%11.5%20
Loan against Term Deposit / Fixed Deposit1% above TD Interest RateTD / FD Term
Loan against Shares12.00%11.00%15
Service & Tourism Loan11.75%8.50%20
Trade & Commerce Loan12.75%10.5%5
Transport Loan12.00%10.5%5
EDP Loan10.00%No Change5
Commercial Agriculture10.00%New Product5
OverDraft13.00%12.00%1
Working Capital Loan13.00%12.5%1
Short Term Loan(Over Draft Only)13.00%1

Retail Fixed Deposit and Fixed Deposit +

Term in yearsLock in period in daysNormal FDFD Plus Rate
MaturityMonthlyQuarterlyHalf-yearlyYearly
3 months to less than one year2274.75%NANANANA
1 year to less than 2 years5476.50%NANANANA
2 year to less than 3 years9127.00%NANANANA
3 year to less than 4 years12777.25%6.65%6.90%6.98%7.05%
4 year to less than 5 years16427.50%6.76%7.09%7.18%7.26%
5 year to less than 6 years20077.75%6.87%7.28%7.39%7.47%
6 year to less than 7 years23728.00%6.98%7.47%7.60%7.69%
7 years & Above27378.25%7.09%7.66%7.81% 7.90%
Terms and Conditions
  1. Corporate Deposits above Nu. 50M shall be accepted at negotiated rates, and not necessarily at published rates.
  2. Interest rate on pre-mature withdrawal of the Fixed deposits shall be 1% less than the prevailing deposit period interest rate.
  3. Lock in period is a minimum term required for FD and FD plus to be eligible for particular rate
  4. For FD Plus accounts:
    • In case of premature withdrawls, the adjustment of recovery penalty amount shall be made from the principal.
    • No partial redeemptions shall be allowed.
    • Lock-in period for this category of accounts is 1,277 days, that is, if one close his/her FD Plus account before 1,277 days, all the interest paid shall be recovered from the principal amount.

Corporate Fixed Deposit and Fixed Deposit +

TermLock in Period in daysCorporate
Normal FDFD Plus
On MaturityMonthlyQuarterlyHalf-yearlyYearly
Up to 30 days151NANANANA
31 to less than 90 days601.5
3 months to less than 6 months1352
6 months to less than 1 year2722.5
1 year to less than 2 years5474
2 years to less than 3 years9125
3 years to less than 4 years127765.475.725.85.85
4 years to less than 5 years164276.296.626.716.78
5 years and Above20077.56.637.047.167.23
Terms and Conditions

1.Interest rate on pre-mature withdrawal of the FD shall be as follows:

a. Below 30 days: 0.5% less than prevailing deposit period interest rate.

b. Above 30 days: 1% less than prevailing deposit period interest rate.

2. Lock in period is a minimum term required for FD and FD plus to be eligible for particular rate

3. Deposits above Nu. 50 million shall be accepted at negotiated rate and not necessarily at published rate.

Recurring Deposit

Deposit PeriodRates (%) p.a
1 year < 2 years7.00
2 years < 3 years7.50
3 years < 5 years8.00
5 years < 7 years8.50
7 years and above8.75
Terms & Conditions
  • Interest rate on pre‐mature withdrawals will be 1% less than the prevailing deposit period interest rate.
  • Period of Deposit:
    • Minimum: 1 year

Savings Account

Savings Account TypeInterest Rate (% p.a)
Regular Savings Account4.50
Piggy Bank Account4.50
Pensioner's Account4.50
Savings Provident Fund (PF) Account6.50

Savings Account for Bhutanese Living Abroad

CurrencyRates (% p.a)
AUD2.75
Yen1.50
USD1.75
Euro1.50
GBP1.50
BTN4.50
BTN Investment5.00

Fixed Deposit for Bhutanese Living Abroad

In Ngultrum

Deposit periodRates (%) p.a
1 year to less than 2 years7.25
2 years to less than 3 years7.75
3 years to less than 4 years8.00
4 years to less than 5 years8.25
5 years to less than 6 years8.50
6 years to less than 7 years8.75
7 years to less than 8 years9.00
8 years to less than 9 years9.15
9 years to less than 10 years9.25
10 years and above9.50

In Foreign Currency – 5%