OverDraft Facility / Working Capital

bridge the gap between cash flow and success.

BNB offers a limit-based credit facility to business entities by creating a credit line limit, mainly to meet the day-to-day operating costs. This facility is offered as overdraft facility or working capital (esp. for industries).

For borrowers applying for loans at Thimphu, any loan below Nu.10 million is to be processed from our Thimphu Branch Office located at the Bhutan Post building.

Interest Rate

for overdraft facility.


Fixed Rate


Floating Rate
Interest Rate

for working capital.


Fixed Rate


Floating Rate

if you are applying for overdraft or working capital, you should know.

OverDraft and Working Capital


For Overdraft:  Maximum 70% of the Collateral Value.


For Working Capital: Maximum 70% of Project Assets and Current Assets.

1 Year

Subject to Review / Renewal. 


firms/business entities.

Any firms/business entities with valid trade license. 


for overdraft and working capital.

  • CID copy of the applicant and guarantor
  • Recent Passport size photograph of the applicant
  • Ownership certificates of securities offered to bank
  • Copy of Work Order/ supply order supported by relevant pages of the agreement
  • Copy of the Quotation/Invoice
  • Letter of Undertaking from awarding agencies for routing of Bill payment through bank.
  • Copy of valid trade license
  • Statement of stock & book debts debtors (age wise), sundry creditors as on a recent date.
  • Sales and Purchases report for the past 12 months.
  • Income and expenditure / Profit and Loss and Balance sheet for the last two years (preferably audited)
  • Projected sales and purchases for the next 12 months