Crop | Fisheries | Live Stock | Agro-equipment and farm machineries | Agro processing industries | Continuous Loan | Poverty Alleviation and Micro Credit Program | Special Recovery Activities/programs| Rate of Interest all Types of Loan
Credit Programs

BKB finances the following 7(seven) priority sectors, namely:

  1. Crop
  2. Fisheries
  3. Live Stock
  4. Farm and Irrigation Equipment
  5. Agro based Industrial Project
  6. S M E
  7. Continuous Loan (Working Capital and Cash Credit) 
  8. Micro Credit (Small Loan)
  9. Others

Crop Loan

Out of total annual allocation of Loan portfolio, 60% is earmarked for Crop financing. The Credit program covers all the seasonal crops produced in the country.

The loan is disbursed as per norms set by the Bangladesh Bank. The rate of interest for this sector is 8%. The rate of interest may however, vary from time to time.

Both the landowner and sharecroppers are normally the target group for this loan. Marginal farmers are also eligible for the loan.

Food grains: Paddy, Wheat, Maize, Potato, Mustard etc.

Cash Crops: Tea, Jute, Sugarcane, Bettle leaf, Cotton  etc.

Winter Crops: Beans, Vegetables, Carrot, Cauli- flower, Cabbage, Tomato etc.

Summer Crops: Cucumber, Ladies Finger, Korola etc.

Horticulture & Fruit Production:

  • Nursery development ( fruits, useful trees, flower, urbary culture, spices etc production & marketing ) 
  • Banana, papaya, guava, pineapple, melon, water melon, bettle nut etc
  • Mushroom cultivation
  • Aromatic and fine rice
  • Lettuce, capsicum, broccoli, French bean & other vegetables and promotion of export market
  • Spices (onion, garlic, ginger, turmeric etc)
  • Baby corn
  • Fruit production (mango, jackfruit, litchis, lemon, guava, pineapple, banana etc )
  • Floriculture (import substitutes & exportable rajanigandha, ganda, rose, glandules, orchid, christmas tree, bonsai etc)
  • Import alternative fruit production (orange, grapes etc)
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Tea :

Tea is one of the major exportable items of the country. BKB is the exclusive financing institution providing credit to this sector. The Bank generally provides two types of loan – Tea production loan and Tea development loan.

  1. Production Loan is for short-term basis. Rate of interest is 12%.
  2. Development loan is term loan. Rate of interest is 11%.
  3. Trading loan - Short term loan. Rate of interest is 13%.

 

Rubber plantation

BKB is the premier financial institution for rubber plantation. 
This is one of the import substitute products.


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