We have been financing loans for businesses since 1992. From 1997, our Bank also started providing overdraft facilities. Please visit us to learn more.

Lending Policy

  • Loan Processing Fee: Nu 500/- for every application.
  • Valuation Fee: As per the Engineer’s inspection (Maximum Nu.5000/-)
  • Interest rate and term: Click here
  • Repayment: Lump sum for overdrafts
  • Penalty Rate: 5%

Eligibility Criteria


  • Should be a Bhutanese citizen
  • Immovable properties; house/Building must be commercially viable
  • Movable properties; Equipment/ Vehicles (not older than five years)
  • Gold Jewelries and fixed Deposit Certificates
  • Ownership Certificate (3 months validity)
  • Trade License or CDB certificate for contractors
  • Should have a sound source of repayment
  • Loan will be sanctioned at 60% to 75 % of the collateral Value
Business Loan (BL-OD) Application Form
Additional Loan Application Form
Addendum to OD / Business Loan Application