| Type | Interest Rate (Declared) | |
| Term Loan to Large industries & Enterprises | ||
| a) RMG | 11.50% | |
| b) Others | 12.00% | |
| Working Capital to Large industries & Enterprises | ||
| a) RMG | 11.00% | |
| b) Others | 11.50% | |
| Lease Finance to Industries | 11.50% | |
| Trade Finance for Rice, Wheat, Edible Oil, Pulse, Peas, Onion, Dates & Sugar | 11.50% | |
| Other Trade Finance Large Enterprises | 11.50% | |
| Export Credit | 11.00% | |
| Other Commercial Lending Large Enterprises | 11.00% | |
| Housing- Commercial Large Enterprises | 12.00% | |
|
Short Term Credit to Corporate |
10.00% | |
| Other Medium & Long Term Loan to Corporate | 11.50% | |
| Terms Loans to Non-Banking Financial Institution | 11.00% | |
| 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 | 13.50% | |
| c) Fully cash covered - against Wage Earner's Bond | 13.50% | |
| Consumer Credit: | ||
| a) Unsecured Personal Loan | 11.00% | |
| b) Consumer Durable Loan | 11.00% | |
| c) Auto Loan | 10.00% | |
| d) Home Loan | 9.99% | |
| e) Loan to Professional | 11.00% | |
| f) Senior Citizen Support | 11.00% | |
| g) Loan for Landlords | 11.00% | |
| h) Secured Personal Loan against Govt. Treasury Bond | 11.00% | |
| i) Two Wheeler Loan | 13.50 % | |
| Travel Loan - Chuti | 11.00% | |
| Type | Interest Rate | |
| - | - | |
| Agricultural and Rural Credit | 11.00% | |
| CMSME- PPG | ||
| a) Shubidha- unsecured trading (Term Loan) | 13.00% | |
| b) Sristi - unsecured Manufacturing (Term Loan) | 13.00% | |
| c) Shofol- unsecured service (Term Loan) | 13.00% | |
| d) Shondhi- Secured Trading ( Term Loan) | 12.00% | |
| e) Shombridhi- Secured Manufacturing(Term Loan) | 12.00% | |
| f) Sheba Secured Service (Term Loan) | 12.00% | |
| g) Shamadhan- Overdraft | ||
| i) Trading, Manufacturing & Service | 12.00% | |
| ii) Women Entrepreneurs | 12.00% | |
| h) Utshob-Seasonal | 13.00% | |
| i) Subarno- Women Entrepreneurs (Term Loan) | 5.00% (Fixed) | |
| j) Bahon- Commercial Vehicle Finance | 12.00% | |
| k) Shopner Khamar (unsecured Term & Demand Loan) | 13.00% | |
| l) Uttaran (secured/unsecured Term & Demand Loan) | 12.50% | |
| m) Shombhabona (Unsecured Term Loan) | 13.00% | |
| CMSME -NON PPG | ||
| a) OD | 12.00% | |
| b) LTR/Demand Loan | 12.00% | |
| c) Term Loan | ||
|
i) RMG |
11.00% | |
|
ii) Others |
12.00% | |
| d) Working Capital | ||
|
i) RMG |
11.00% | |
|
ii) Others |
12.00% | |
| e) Lease Finance | 12.00% | |
| f) Other Trade Finance | 12.00% | |
| g) Other Commercial Lending | 12.00% | |
| h) Housing- Commercial | 12.00% | |
| Circular No. | Circular Date | Effective Date | |||
|---|---|---|---|---|---|
| Instr/2026/ALM-11/ | 15 October 2026 | 17 October 2026 |
Savings Account |
||
| SL | Average Balance | Interest Rate |
|---|---|---|
| 1 | <1> | 2.00% |
| 2 | 1 Crore & above | 3.00% |
Star Savings Account |
||
| SL | Average Balance | Interest Rate |
| 1 | 1 Lac-<5> | 3.00% |
| 2 | 5 Lac-<25> | 3.50% |
| 3 | 25 Lac-<50> | 3.75% |
| 4 | 50 Lac-<1> | 3.75% |
| 5 | 1 Crore-<2> | 4.00% |
| 6 | 2 Crore-<5> | 4.50% |
| 7 | 5 Crore-<10> | 5.00% |
| 8 | 10 Crore & above | 6.00% |
Special Notice Deposit (SND) |
||
| SL | Average Balance | Interest Rate |
| 1 | <1> | 1.00% |
| 2 | 1 Crore-<25> | 3.00% |
| 3 | 25 Crore-<50> | 4.00% |
| 4 | 50 Crore-<100> | 5.00% |
| 5 | 100 Crore & above | 5.50% |
Institutional Account* (Next Gen) |
||
| SL | Day-end Balance | Interest Rate |
| 1 | <20> | 6.00% |
| 2 | 20 Crore-<50> | 6.25% |
| 3 | 50 Crore-<100> | 6.50% |
| 4 | Tk. 100 Crore & above | 7.00% |
Institutional Account* (Any Amount) |
||
| SL | Product | Interest Rate |
| 1 | GF-PF-SP & BF Current Account | 6.00% |
| 2 | Corporate Signature Account | 5.50% |
| 3 | Corporate Silver Account | 6.00% |
| 4 | Corporate Platinum Plus Account | 6.50% |
| 6 | Corporate Titanium Account | 7.00% |
| 7 | Corporate Premium Account | 7.00% |
| *to be used by Corporate Office based on overall realatinship. | ||
FIXED DEPOSIT RECEIPT & SCHEMES |
||
General FDR |
||
| SL | Tenor | Interest Rate |
| 1 | 1 Month | 3.00% |
| 2 | 2 Months | 4.00% |
| 3 | 3 Months | 7.00% |
| 4 | 6 Months | 7.00% |
| 5 | 1 Year | 7.25% |
| 6 | 2 Years | 7.25% |
| 7 | 3 Years | 7.50% |
Super Saver FDR |
||
| SL | Tenor | Interest Rate |
| 1 | 100 Days | 7.00% |
| 3 | 200 Days | 7.00% |
| 5 | 400 Days | 7.25% |
Monthly Benefit Plus FDR |
||
| SL | Tenor | Interest Rate |
| 1 | 3 Years | 7.50% |
| 2 | 5 Years | 7.75% |
Monthly Benefit Plus FDR for Senior Citizen |
||
| SL | Tenor | Interest Rate |
| 1 | 3 Years | 7.75% |
| 2 | 5 Years | 8.00% |
Shanchay Plus FDR for Individual |
||
| SL | Tenor | Interest Rate |
| 1 | 1 Year | 7.25% |
| 2 | 2 Years | 7.25% |
| 3 | 3 Years | 7.50% |
Corporate Any Purpose FDR |
||
| SL | Tenor | Interest Rate |
| 1 | 91 Days | 6.00% |
| 2 | 181 Days | 6.50% |
| 3 | 366 Days | 6.50% |
Double Benefit Plus |
||
| SL | Tenor | Interest Rate |
| 1 | 8 Years 2 Months | 8.52% |
Triple Benefit Plus |
||
| SL | Tenor | Interest Rate |
| 1 | 13 Years 4 Months | 8.27% |
DEPOSIT PENSION SCHEME |
||
DPS+ |
||
| SL | Tenor | Interest Rate |
| 1 | 3 Years | 8.25% |
| 2 | 5 Years | 8.25% |
| 3 | 7 Years | 8.25% |
| 4 | 10 Years | 8.25% |
| 5 | 12 Years | 8.25% |
DPS for Women – আঁচল |
||
| SL | Tenor | Interest Rate |
| 1 | 3 Years | 8.50% |
| 2 | 5 Years | 8.50% |
| 3 | 7 Years | 8.50% |
| 4 | 10 Years | 8.50% |
| 5 | 12 Years | 8.50% |
Sanchay E Kotipoti DPS |
||
| SL | Tenor | Interest Rate |
| 1 | 5 Years | 8.25% |
| 2 | 7 Years | 8.25% |
| 3 | 10 Years | 8.25% |
| 4 | 12 Years | 8.25% |
| 5 | 15 Years | 8.25% |
DPS for Travelers – ভ্রমণ |
||
| SL | Tenor | Interest Rate |
| 1 | 1 Year | 8.25% |
| 2 | 2 Years | 8.25% |
| 3 | 3 Years | 8.25% |
Important Notes & Implementation:
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