::::::Bhutan National Bank - Interest Rates :::::::

The interest rates are fixed in relation to the type of Credit Products offered.

Loans Products	Interest Rate per annum	Late Fee
Industrial Loan Working Capital Term Loan
	13%
	12%	5%
Housing Loan	10%	5%
Transport Loan Heavy Vehicles Light Vehicles (Commercial/ Presonal) Vehicles bought under Govt. Quota
	13%	5%
	14%	5%
	12%	5%
Business Loan Overdraft Term Loan
	14%
	14%	5%
Consumer Loans Personal Loan Govt. Employee Loans
	15%	5%
	12%	5%
Loan against Shares	12%	5%
Loan against Fixed Deposits	2% above Deposit rate

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The interest rates are fixed in relation to the type of Deposit Products offered.

Loan against fixed deposits: 2% above fixed deposit rate.

A. Individual Fixed Deposits rates:

Deposit period	Interest rate
1. 3 months to 1 year	5.0 % p.a.
2. 1 year to 2 years	6.5 % p.a.
3. 3 years to 5 years	7.0 % p.a.
4.5 years and above	8.0 % p.a.

Terms and Conditions
1. Interest rate on Pre-mature withdrawal will be 1% less than the prevailing deposit period interest rate.
2. Minimum deposit period shall be 90 days.

B. Revised interest rates on corporate fixed deposit

Deposit period	Interest rate
1. 46 days to 1 year	2.25 % p.a.
2. 1 year to 3 years	3.00 % p.a.
3. 3 years to 5 years	4.00 % p.a.
4. 5 years and 7 years	5.50 % p.a.
5. 7 to 10 years	6.00 % p.a
6. 10 to 12 years	6.50 % p.a
7. 12 years and above	7.00 % p.a

Terms and Conditions
1. Interest rate on Pre-mature withdrawal will be 2% less than the prevailing deposit period interest rate.
2. Minimum deposit period shall be 46 days.

C. Saving account 5.0% p.a.

INR draft charges both for the corporate bodies and the individuals:

Demand Draft Amount (INR)	Scale of Charges
1. Up to 10,000/-	50/-
2. 10,001/- to 100,000/-	3/- per 1,000, Min 50/-
3. Above 100,000/-	2/- per 1,000/-, Min 300/- Max. 25,000/-.