Druk PNB Bank is pleased to announce the revised lending rates based on Minimum Lending Rate (MLR) with effect from 21.04.2025, in accordance with the regulations issued by Royal Monetary Authority as under
| New Rates | Existing Rates | |||||||
|---|---|---|---|---|---|---|---|---|
| Sectors | Tenor(Yrs) | Floating | Semi Fixed | Fixed | Floating | Semi Fixed | Fixed | |
| 1 | Agriculture | |||||||
| 1.1 | Crops Cultivation(including Cash Crop) | 5 | 9.50% | – | 11.00% | 9.50% | – | 11.00% |
| 1.2 | Livestock production | 5 | 9.50% | – | 11.00% | 9.50% | – | 11.00% |
| 1.3 | Forestry | 5 | 9.50% | – | 11.00% | 9.50% | – | 11.00% |
| 1.4 | Agri-lnfra | 5 | 9.50% | – | 11.00% | 9.50% | – | 11.00% |
| 1.5 | Working Capital | 1 | 10.00% | – | – | 10.00% | – | – |
| 1.6 | Others | 5 | 10.00% | – | – | 10.00% | – | – |
| 2 | Production and Manufacturing | |||||||
| 2.1 | Electronics, homes and office furnishin | 15 | 11.00% | 11.50% | 12.00% | 11.00% | 11.50% | 12.00% |
| 2.2 | Mining and quarrying | 15 | 11.25% | 12.00% | 12.50% | 11.25% | 12.00% | 12.50% |
| 2.3 | Groceries and other related commodities. | 15 | 11.25% | 12.00% | 12.50% | 11.25% | 12.00% | 12.50% |
| 2.4 | Garment, textiles and jewelries | 15 | 10.50% | 10.75% | 11.00% | 10.50% | 10.75% | 11.00% |
| 2.5 | Hardware and construction materials/Wood based | 15 | 10.50% | 10.75% | 11.00% | 10.50% | 10.75% | 11.00% |
| 2.6 | Manufacturing of Chemical and petroleum | 15 | 11.00% | 11.50% | 12.00% | 11.00% | 11.50% | 12.00% |
| 2.7 | Medicine, Drugs & Cosmetics | 15 | 11.00% | 11.50% | 12.00% | 11.00% | 11.50% | 12.00% |
| 2.8 | Non Renewable energy | 15 | 11.00% | 11.50% | 12.00% | 11.00% | 11.50% | 12.00% |
| 2.9 | Stationeries | 15 | 11.00% | 11.50% | 12.00% | 11.00% | 11.50% | 12.00% |
| 2.10 | Printing & production of recorded media | 15 | 11.00% | 11.50% | 12.00% | 11.00% | 12.00% | 12.00% |
| 2.11 | Renewable energy | 15 | 10.50% | 11.00% | 11.50% | 11.00% | 11.50% | 12.00% |
| 2.12 | Working Capital | 1 | 11.25% | – | – | 11.25% | – | – |
| 2.13 | Others | 5 | 11.00% | 11.50% | 12.00% | 11.00% | 11.50% | 12.00% |
| 3 | Services | |||||||
| 3.1 | Health & Fitness services | 20 | 11.00% | 11.50% | 12.00% | 11.00% | 11.50% | 12.00% |
| 3.2 | Aviation services | 20 | 11.50% | 12.00% | 12.50% | – | – | – |
| 3.3 | Repair and maintenance service | 20 | 11.00% | 11.50% | 12.00% | 11.00% | 11.50% | 12.00% |
| 3.4 | Consultancy services | 20 | 10.50% | 11.00% | 11.50% | 10.00% | 10.50% | 11.00% |
| 3.5 | Entertainment & Recreational Services | 20 | 10.70% | 11.20% | 11.70% | 10.50% | 10.75% | 11.00% |
| 3.6 | Institutional services & education | 20 | 11.00% | 11.50% | 12.00% | 11.00% | 12.00% | 12.00% |
| 3.7 | Information communication and technology services | 20 | 10.50% | 10.75% | 11.00% | 10.50% | 10.75% | 11.00% |
| 3.8 | Working Capital | 1 | 11.50% | – | – | 11.50% | – | – |
| 3.9 | Others | 20 | 11.50% | – | – | 11.50% | – | – |
| 4 | Trade/Commerce | |||||||
| 4.1 | Arts & Craft | 1 | 11.50% | – | – | 11.50% | – | – |
| 4.2 | Electronics, homes and office furnishing | 1 | 11.50% | – | – | 11.50% | – | – |
| 4.3 | Export business | 1 | 11.00% | – | – | 11.00% | – | – |
| 4.4 | Garment, textiles and jewelries | 1 | 11.50% | – | – | 11.50% | – | – |
| 4.5 | Groceries and other related commidities | 1 | 11.50% | – | – | 11.50% | – | – |
| 4.6 | Hardware and construction materials | 1 | 11.50% | – | – | 11.50% | – | – |
| 4.7 | Medicine & Drugs Cosmetic | 1 | 11.50% | – | – | 11.50% | – | – |
| 4.8 | Vehicle, Machineries & equipment | 1 | 11.50% | – | – | 11.50% | – | – |
| 4.9 | Sports & Toy Products | 1 | 11.50% | – | – | 11.50% | – | – |
| 4.10 | Stationeries | 1 | 11.50% | – | – | 11.50% | – | – |
| 4.11 | Others | 1 | 12.50% | – | – | 12.50% | – | – |
| 5 | Hotel & Tourism | |||||||
| 5.1 | Homestay & guesthouse | 20 | 11.00% | 11.50% | 12.00% | 10.50% | 10.75% | 11.00% |
| 5.2 | Restaurant & Bars | 20 | 11.00% | 11.50% | 12.00% | 10.50% | 10.75% | 11.00% |
| 5.3 | Hotels | 20 | 11.00% | 11.50% | 12.00% | 10.50% | 10.75% | 11.00% |
| 5.4 | Traveling & ticketing agent | 20 | 10.50% | 11.00% | 11.50% | 10.00% | 10.50% | 11.00% |
| 6 | Transport | |||||||
| 6.1 | Carrier | 5 | 11.25% | – | 11.75% | 11.00% | – | – |
| 6.2 | Heavy Machineries | 5 | 11.25% | – | 11.75% | 11.00% | – | – |
| 6.3 | Personal Vehicle | 5 | 9.75% | – | 10.25% | 9.75% | – | – |
| 6.4 | Public Transport | 5 | 10.25% | – | 10.75% | 10.25% | – | – |
| 6.5 | Taxi | 5 | 10.25% | – | 10.75% | 10.25% | – | – |
| 6.6 | Tourist Vehicle | 5 | 10.25% | – | 10.75% | 10.25% | – | – |
| 7 | Personal loan | |||||||
| 7.1 | Mortgage Loan | 5 | 11.00% | – | 12.00% | 11.00% | – | – |
| 7.2 | Consumer Loan | 5 | 9.50% | – | 10.50% | 9.50% | – | – |
| 7.3 | Clean Loan | – | 14.00% | – | – | 14.00% | – | – |
| 7.4 | Others | – | 14.00% | – | – | 14.00% | – | – |
| 8 | Housing sector | |||||||
| 8.1 | Home Loan | 40 | 8.28% | 8.78% | 9.28% | 8.00% | 8.50% | 9.00% |
| 8.2 | Housing Commercial | 40 | 10.58% | 10.85% | 11.85% | 9.50% | 9.75% | 10.75% |
| 8.3 | Real estate | 40 | 10.58% | 10.85% | 11.85% | – | – | – |
| 9 | Staff Loan(Incentive) | |||||||
| 9.1 | Education Loan | 5 | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% |
| 9.2 | Home Loan | 40 | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% |
| 9.3 | Personal Loan to staff | 5 | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% |
| 9.4 | Vehicle Loan | 5 | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% |
| 10 | Education loan | 5 | ||||||
| 10.1 | Ex-country | 5 | 11.50% | – | – | 11.50% | – | – |
| 11 | Loan against term deposits | |||||||
| 11.1 | Loan against fixed deposits | 1 | – | – | (+)1.00% | – | – | (+)1.00% |
| 12 | Loans to the Contractor | |||||||
| 12.1 | Construction based contract | 3 | 11.00% | – | – | 11.00% | – | – |
| 12.2 | Non-Construction | 3 | 12.00% | – | – | 12.00% | – | – |
| 13 | Loan to Corporations | 13.1 | Govt.Owned/ Guaranteed(>50%) | 5 | 9.00% | – | – | 9.00% | – | – |
| 13.2 | Govt.Owned/Guaranteed( = 0r <50% to 25%) | 5 | 10.00% | – | – | 10.00% | – | – |
| 14 | Loan to Financial Institutes | |||||||
| 14.1 | Banks | 3 | 9.00% | – | – | 9.00% | – | – |
| 14.2 | Non-Banks | 3 | 10.00% | – | – | 10.00% | – | – |
| 14.3 | Working Captial | 1 | 10.00% | – | – | 10.00% | – | – |
| 15 | Others | |||||||
| 15.1 | Loan to purchase securities | 10 | 11.00% | 11.50% | 12.00% | 11.00% | 11.50% | 12.00% |
| 15.2 | Loan againest Shares | 15 | 11.00% | 11.50% | 12.00% | 11.00% | 11.50% | 12.00% |
| 15.3 | Overdraft | 1 | 11.00% | – | – | 11.00% | – | – |