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Interest Rate

Schedule of Charges

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PBL
Branches
Interest Rate
Deposit Interest Rates
SL Product Description Interest Rate
01. Saving Bank Account 2.00%
02. Special Notice Deposit Less than 1 Crore 2.25%
1 Crore or above but less than 25 Crore 3.00%
25 Crore or above but less than 50 Crore 4.00%
50 Crore or above but less than 100 Crore 4.50%
100 crore or above 5.00%
Special Notice Deposit (SND) Banks and Non Banking Financial Institutions (NBFI) irrespective of any amount. 5.00%
03. Deposit Pension Scheme --
04. Pubali Pension Scheme (PPS) 3 Years 7.25%
5 Years 7.25%
7 Years 7.50%
10 Years 7.50%
05. Pubali Sanchay Prokalpo (PSP) 5 Years 7.25%
10 Years 7.50%
06. Shikha Sanchay Prokalpo (SSP) 10 Years 7.50%
07. Peoples Pubali Pension Scheme (PPPS) Interest will be paid 6 Months FDR rate (prevailing FDR rate) plus 1% p.a. on daily Product basis to be compounded monthly.
08. Digun Sanchoy Prokalpo 09 Years 8.055%
09. Monthly Profit Based FDR 5 Years, Minimum Tk. 1.00 lac or its multification 7.50%
10. Pubali Swadhin Sanchaya 6.25%
11. Pubali Shawpna Puran 6.25%
12. Fixed Deposit Receipt(FDR). 1 Months, For Any amount
7.00%
3 Months, For Any amount
8.00%
100 Days, For Any amount
8.00%
6 Months, For Any amount
8.25%
12 months and above, For Any amount
8.50%
Advance Interest Rate
SL Product Interest Rate
01. Cash Credit 9.00%
02. Over Draft 9.00%
03. Secured Over Draft 9.00%
04. Inland Bill Purchase 9.00%
05. Payment Against Document 9.00%
06. Loan Againt Imported Mercendise 9.00%
07. Loan Against Trust Received 9.00%
08. Housing Residential (General HBL) 11.95%
Commercial 11.95%
Pubali Mortgage 10.95%
09. All Export Loan 7.00%
10. Agriculture Credit a) i) Crops Production(Dal,Oil Seeds,Spices,Corn) 4.00%
a) ii) Crops Production(Other than Dal,Oil Seeds,Spices,Corn) 11.25%
b) Fishery 11.25%
c) Poultry 11.25%
d) Domestic Animal Rearing 11.25%
e) Pubali Shufala Rin, Pubali Krishi Uddokta Rin, Pubali Krishak Bnodhu Rin 11.25%
f) Agriculture Credit under NGO 11.25%
11. Non Resident Credit Scheme 12.00%
12. Loan Against FDR(Other Bank) 10.00%
13. Loan Against FDR(Own Bank) 2% above the interest Rate pledged FDR
14. Loan Against DPS 2% above the Interest Rate payable
to the Clients of each Sanchay Prokolpo but maximum 11.40%
15. Loan Against Secured Mortgage 9%
16. Loan Against Transport 11.75%
17. Term Loan 11.40%
18. Loan Against LCI 9%
19. Flood Loan 9%
20. Loan Against PPS 2% above the Interest Rate payable
to the Clients of each Sanchay Prokolpo but maximum 11.40%
21. Loan Against PSP 2% above the Interest Rate payable
to the Clients of each Sanchay Prokolpo but maximum 11.40%
22. Loan Against other Securities 9%
23. Loan Against Above 2% pledged SSP
24. Shikha Rin Prokolpo In case of Officers and Staff of our Pubali Bank Ltd. 8.00%
Other than Bank Staff and Officials 12.00%
25. Loan Agri University Special 9%
26. Consumer Credit Scheme - Car Interest 12.40%
27. Consumer Credit Scheme - Flat Interest 11.95%
28. Consumer Credit Scheme - House Hold Interest 10.70%
29. Consumer Credit Scheme - Medical Equipment Interest 10.70%
30. Consumer Credit Scheme - Primary Teacher Interest 10.00%
31. Consumer Credit Scheme - House Renovation Loan Interest 10.00%
32. Consumer Credit Scheme - Pubali Abashon Interest 11.95%
33. Personal Loan With mortgage Interest 10.70%
Without mortgage Interest 10.70%
34. DLP-Pubali Star Salary Account with Pubali Bank Interest 12.25%
Salary Account with Other Bank Interest 12.40%
With mortgage (For all) Interest 12.00%
Self emplyed/Businessman (Without mortgage) Dbbursement is suspended till further instruction
35. Pubali Utshab/others Interest 12.25%
36. Lease Financing Scheme 12.25%
37. Pubali Subarna 11.40%
38. Pubali Karmo Uddyog 11.40%
39. Pubali Sujon 11.40%
40. Pubali Proshar 9.00%
41. Pubali Prochesta 11.75%
42. Pubali Protyasha(Women) 11.40%
43. Probash Bandhu 12.00%
44. Miscellaneous Sector 11.40%
45. Export Credit a) Ready-made Garments 11.25%
b) Other than Ready-made Garments 11.25%
46. Commercial Credit & Industrial Credit a) Continuous Loan (CC, OD, SOD, PAD, LIM, LATR etc.) 12.25%
b) OD (Work Order,Bid Bond & Earnest Money) 12.25%
c) Term Loan 12.25%
d) IBP 12.25%
e) Working Capital (Industrial Sector) 12.25%
f) Term Loan (Large and medium scale industries) 12.25%
g) Term Loan (Small, micro and cottage) 12.25%
47. Advances Against Pledge FDR a) Advances against pledged FDR of Pubali Bank Ltd. 2% above the interest Rate of Pledged FDR but maximum 12.25%
b) Advances against pledged FDR of other Commercial Banks Will be suspended till further instruction
48. Other Loans a) Transport Loan 12.25%
b) MISC (Excluding Sectors mentioned above) 12.25%
Note: Rate of interest of existing valued clients will be increased by 1.00% but maximum 11.40%. The revised rate of interest will be applicable only for fresh Loans to be disbursed.
49. SME CMSME 12.25%
SME (Women Entrepreneur) 12.25%
SME Special
Pubali Prochesta (Continuous), Pubali Subarna, Pubali Karmo Uddag and Pubali Sujon 12.25%
Micro Credit
Pubali Prantik Rin 12.25%
Pubali Pratyasha Rin 12.25%
Note: New SME special products i.e. Pubali Prochesta (Continuous), Pubali Subarna, Pubali Karmo Uddag and Pubali Sujon will be suspended till further instruction but the performing client who have earlier taken the above loan facilities and successfully adjusted one or several times may be allowed. Micro Credit under NGO will also be suspended till further instruction.
50. Advances Against Sanchay Prokolpa: DPS, PPS, PSP, etc 2% above the Interest Rate payable to the Clients of each Sanchay Prokolpa but maximum 12.25%
51. Pre Foreign Education Loan 12.25%
Note: Rate of interest of existing valued clients will be increased by 1.00% but maximum 11.40%. The revised rate of interest will be applicable only for fresh Pre Foreign Education Loan to be disbursed.
52. Loans disbursed throush CLS Agents a) Car Loan 12.40%
b) Personal Loan (Without Mortgage) Disbursement is suspended till further instruction
c) House Hold Durable Loan 12.40%
d) Medical Equipment Loan 12.40%
53. Rate of Agent Commission a) Car Loan 2.25%
b) Household Durable Loan 1.50%
c) Medical Equipment Loan 2.00%
54. Teacher Loan 11.95%
55. Pubali Abashon 11.95%
Take Over under Pubali Abashon 11.95%
56. Pubali Mortgage 11.95%
Take Over under Pubali Mortgage 11.95%
57. Soecial Rate under Pubali Mortsage,Loan: Rate of interest lor the clients of Developers with whom MoU has already been signed (i.e. Anrvar Landmark Limited & Sheltech Pvt. Limited) and will be signed in future. 11.95%
58. Foreign Education Loan 12.25%
59. Probashee Nibash 10.95%
60. Covt. Employee House Building Loan 9.00%
Islamic Profit Rate
SL Product Profit Rate
01. Mudaraba Savings A/C (MSA) 2.07%
02. Mudaraba Short Notice Deposit (MSND) Less than Tk. 1.00 Crore 3.06%
Tk. 1.00 Crore or abovc but less than Tk.25.00 Crore 4.05%
Tk. 25.00 Crore or above but less than Tk.50.00 Crore 4.50%
Tk.50.00 Crore or above but less than Tk.100 Crore 4.77%
Tk.100 Crore or above 6.03%
03. Mudaraba Term Deposit Receipt (MTDR) For 1 Month 7.02%
For 3 Months 8.00%
For 6 Months 8.25%
For 12 Months or above 8.50%
04. Mudaraba Monthly Profit Based Term Deposit 7.56%
05. Mudaraba Swapno Puran Deposit A/C 6.57%
06. Mudaraba Swadhin Sanchay Deposit A/C 6.57%
07. Mudaraba Shiksha Sanchay Deposit A/C 7.56%
08. Mudaraba Hajj Savings A/C (MHSA) 8.01%
09. Mudaraba Cash Waqf Deposit A/C 8.01%
10. Mudaraba Deposit Pension A/C for 05 Years 7.56%
11. Mudaraba Deposit Pension A/C for 10 Years 7.92%
12. Mudaraba Marriage/Muhar Deposit A/C for 05 Years 7.56%
13. Mudaraba Marriage/Muhar Deposit A/C for 10 Years 7.92%
14. Mudaraba Peoples Pubali Pension Scheme 06 Months MTDR rate + 1%
15. Mudaraba Senior Citizen Pubali Deposit Scheme 06 Months MTDR rate + 1%
16. Note: The provisional / indicative rate of profit will be adjusted after year end. In addition, the rate of profit for PIBG has hereby been fixed at 9.00% p.a.
Moreover, Management may allow up to 2% higher rate on MTDR than the regular provisional rate of profit on case to case basis.
17. Bai-Muajjal a) Working Capital 12.25%
b) Commercial 12.25%
c) Corporate 12.25%
d) CMSME 12.25%
e) Manufacturing/Industrial 12.25%
f) Work Order 12.25%
g) Service 12.25%
h) Agriculture 11.25%
i) Agriculture Investment Under NGO 11.25%
j) Term 11.25%
k) WC for Export(Ready Made Garments) 11.25%
l) WC for Export(Other Than Ready Made Garments) 11.25%
18. Note: Revised rate will be applicable for new clients under all sectors.
For all existing client(s) (Except Agriculture & Export oriented organization) Rate of Mark-up will be increased by 1.00% but maximum 12.25%p.a. and applicable for new/fresh deal/disbursement.
For all existing Agriculture & Export oriented organization client(s) Rate of Mark-up will be increased by 1.00% but not exceeding 11.25% p.a. and applicable for new/fresh deal/disbursment.
19. Bai-Murabaha a) PIF (MPI-TR) / IBP / FBP 12.25%
b) EDF As per Bangladesh Bank rule
20. Note: Revised rate will be applicable for new clients.
For all existing client(s) except Export oriented organization, Rate of Mark-up will be increased by 1.00% but maximum 12.25%p.a. and applicable for new/fresh deal/disbursement.
21. HPSM a) Agri Investment 11.25%
b) Agri Investment ubder NGO 11.25%
c) Car/Vehicle for Individual 12.40%
d) Car, Vehicle, vessel or any other transport for organizations (Lease) 12.25%
e) Flat purchase, Renovation, Construction for Individuals(Pubali Abashon/Pubali Mortgage) 11.95%
f) Takeover under Flat purchase, Renovation, Construction for Individuals(Pubali Abashon/Pubali Mortgage) 11.95%
g) Housing-Commercial 11.95%
h) Housing-Residential 11.95%
i) Construction/Project/Capital Machinery 12.25%
j) Term 10.95%
j) Probashee Nibash 9.00%
l) Medical equipment 12.40%
22. Note: Revised rate will be applicable for new clients under all sectors.
For all existing client(s) (Except Agriculture, Individual & Export oriented organization), Rate of Rent will be increased by 1.00% but maximum 12.25% p.a. and effect from 01.02.2024.
For all existing Agriculture & Export oriented organization client(s) Rate of Mark-up will be increased by 1.00% but maximum 11.25% p.a. and effect from 01.02.2024.
For existing Car/Vehicle/Medical equipment except individual investment Rent will be increased by 1.00% but maximum 12.40%. and effect from 01.02.2024.
23. Bai-lshtishna under Export Investment 11.25%
24. Note: Revised Rate of Mark-up applicable for new clients.
25. Pubali Star (Islamic) a) Salary Account with Pubali Bank 12.25%
b) Salary Account with Other Bank 12.40%
c) With Mortgage (for all) 12.00%
d) Self Employeed / Businessman To be suspended till further
26. Note: Revised rate will be applicable for new clients.
27. Bai-Muajjal/HPSM- against Deposit Instrument or Account (DIA) 2% above the provisional profit rate of the instruments but not exceeding 12.25% p.a.