Druk PNB Bank Limited(DPNBL) incorporated in Bhutan is a Joint Venture Bank with 51% share holding by Punjab National Bank, a leading public sector Bank in India.

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Education and Skill Enhancement Loan

“Education and Skill Enhancement Loan”


  • The scheme aims to provide the Bhutanese candidates, term loan for meeting the educational and related expenses abroad.


  • Should be a Bhutanese Citizen.
  • The Individual candidate should be of and above 18 years of age.
  • The loan shall be maintained in the joint names of candidate with parents or natural guardian ( in the absence of parents) as co –borrower, who are residing in Bhutan.
  • Copies of academic certificates of candidates.
  • The CIB status to be clear of both the student borrower and co borrower.
  • The consultancy firm through which the students being sent abroad should be registered with MOEA/MOLHR.
  • Copy of valid license for operating such education consultancy / placement firms should be provided.


  • Maximum limit of NU.3.50 Mn per candidate by way of term loan for meeting educational expenses.


  • Minimum margin of 10% based on education expenses ,or Nu.200000/- which ever is low to be adjusted towards accrued interest.


  • The loan shall be disbursed only after getting confirmation from the consultancy firm and execution of the loan documents.


  • The repayment is to be started after 3 months from the release of loan. The maximum tenor of loan is 60 Months.


  • Guarantee of the parents/guardians/family members who are staying in Bhutan, or any other competent individual . Their CIB report should be satisfactory.
  • Countries for studies abroad viz. Japan , Australia , Canada , New Zealand etc. as arranged by the consultancy firms. The loan may be disbursed at the request of the borrower to his /her savings account maintained with our bank. The candidate should have access to fund of upto Nu.100000/- from the loan.

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