Loan Products

Interest Rate and Tenure of Loan Products   (as of January 2022)

SN Credit Types Interest Rate Subsidy Interest after Subsidy Grace Period Principal Payment Interest Payment Tenure
1 Concessional credit 1.5% - 1.5% - Quarterly Monthly 33 Months
2 Livelihood Restoration Credit Program (with support of ADB) 2% - 2% 6 Months Quarterly Monthly 3 Years
3 Agriculture Loan 5% - 5% - Quarterly Monthly 3 Years
4 Rural Self Reliance Credit (RSRC) 6% 1.2% 4.8% - Quarterly Monthly
5 Rural Enterprise Financing Project Credit 6.5% - 6.5% 2 Years Quarterly Monthly 7 Years
6 Resurgence credit 11.25% - 11.25% - Half-yearly Monthly 1 Year
7 Renewable Energy Loan 11.25% - 11.25% 6 Months Quarterly Monthly 3 Years
8 Credit for milk/meat production 9% 4% 5% 6 Months Quarterly Monthly 3 Years
9 Vegetable Farming 9% 4% 5% - Quarterly Monthly 3 Years
10 Tea Loan 9% - - 1 Year Half-yearly
Monthly 6 Years
11 Microfinance Wholesale Credit Loan 12.25% - 12.25%
3 Months Quarterly Monthly 33 Months
12 Sunulo Bhabishya Karja 12.25%
- 12.25%
3 Months Quarterly Monthly 33 Months