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SL. Name of Products Declared Rate Lowest Rate Highest Rate
1 Agriculture, Fishing & Forestry
2 Agriculture
3 Cultivation 12.50% 11.50% 13.50%
4 Plantation 12.50% 11.50% 13.50%
5 Agricultural Machineries and Implements 12.50% 11.50% 13.50%
6 Fertilizers and Pesticides Loans for Farmers 12.50% 11.50% 13.50%
7 Livestock 12.50% 11.50% 13.50%
8 Vegetables/Fruits Preservation in cold storage 12.50% 11.50% 13.50%
9 Agriculture Loan Disbursed through NGOs 12.50% 11.50% 13.50%
10 Fishing 12.50% 11.50% 13.50%
11 Forestry and Logging 12.50% 11.50% 13.50%
12 Industry
13 Term Loan ( Other than Working Capital Financing)
14 Large Industries
15 RMG 13.50% 12.50% 14.50%
16 Others 13.50% 12.50% 14.50%
17 Small and Medium Industries 13.99% 12.99% 14.99%
18 Cottage Industries/Micro Industries 13.99% 12.99% 14.99%
19 Service Industries 13.50% 12.50% 14.50%
20 Working Capital Financing (Excluding Export & Import Financing)
21 Large Industries
22 RMG 13.50% 12.50% 14.50%
23 Others 13.50% 12.50% 14.50%
24 Small and Medium Industries 13.99% 12.99% 14.99%
25 Cottage Industries/Micro Industries 13.99% 12.99% 14.99%
26 Service Industries 13.50% 12.50% 14.50%
27 Construction
28 Housing (Commercial) For Developer/Contractor 13.50% 12.50% 14.50%
29 Housing (Residential) in urban area for individual person 12.00% 11.00% 13.00%
30 Housing (Residential) in rural area for individual person 12.00% 11.00% 13.00%
31 Infrastructure Development (Road, Culvert, Bridge, etc.) 13.50% 12.50% 14.50%
32 House Renovation or Repairing or Extension 12.00% 11.00% 13.00%
33 Commercial Building (Market, Factory, Hotel, Cold storage, Ware-house etc.) 13.50% 12.50% 14.50%
34 Establishment of Solar panel N/A
35 Effluent Treatment Plant N/A
36 Loan against Work Order/Pay Order/Earnest Money N/A
37 Water-works N/A
38 Sanitary Services N/A
39 Transport
40 Road Transport ( excluding personal vehicle & lease finance) 13.50% 12.50% 14.50%
41 Water Transport (excluding Fishing Boats) N/A N/A N/A
42 Air Transport N/A N/A N/A
43 Trade & Commerce
44 Wholesale and Retail Trade (CC, OD etc.)
45 Wholesale Trading 13.50% 12.50% 14.50%
46 Retail Trading 13.50% 12.50% 14.50%
47 Other Commercial lending 13.50% 12.50% 14.50%
48 Procurement by Government
49 Jute N/A N/A N/A
50 Paddy N/A N/A N/A
51 Wheat N/A N/A N/A
52 Others N/A N/A N/A
53 Export Financing ( PC, ECC etc.)
54 Jute and Jute Products N/A N/A N/A
55 Tea N/A N/A N/A
56 Hides and Skins N/A N/A N/A
57 Ready-made Garments 12.50% 11.50% 13.50%
58 Non-traditional Items 12.50% 11.50% 13.50%
59 Other Exported Items 12.50% 11.50% 13.50%
60 Import Financing (LIM, LTR, TR etc.)
61 Food Items 13.50% 12.50% 14.50%
62 Petroleum and Petroleum Products 13.50% 12.50% 14.50%
63 Machineries and Implements 13.50% 12.50% 14.50%
64 Textile and Textile Products 13.50% 12.50% 14.50%
65 Electric and Electronic goods & Spares 13.50% 12.50% 14.50%
66 Sanitary Goods Including Tiles, Stones & Clinkers 13.50% 12.50% 14.50%
67 Cosmetics & Crockeries 13.50% 12.50% 14.50%
68 Medicine and Surgical Instruments 13.50% 12.50% 14.50%
69 New Automobiles 13.50% 11.50% 14.50%
70 Reconditioned Automobiles 13.50% 12.50% 14.50%
71 Chemicals (except Medicine) 13.50% 12.50% 14.50%
72 Iron and Steel Products 13.50% 12.50% 14.50%
73 Paper and Printed Papers 13.50% 12.50% 14.50%
74 Computer and Accessories 13.50% 12.50% 14.50%
75 Wood & Logging 13.50% 12.50% 14.50%
76 Plastic & Plastic Products including toys 13.50% 12.50% 14.50%
77 Leather Goods 13.50% 12.50% 14.50%
78 Poultry feeds 13.50% 12.50% 14.50%
79 Cattle feeds 13.50% 12.50% 14.50%
80 Coal 13.50% 12.50% 14.50%
81 Ship N/A N/A N/A
82 Other Imported Items 13.50% 12.50% 14.50%
83 Share Trading 13.50% 12.50% 14.50%
84 Lease Financing/Leasing N/A N/A N/A
85 Other Institutional Loan
86 Loan to Financial Corporations
87 Credit to NBFI N/A N/A N/A
88 Credit to Insurance companies N/A N/A N/A
89 Credit to NGO (excluding Agriculture) 13.50% 12.50% 14.50%
90 Credit to Merchant Banks/ Brokerage Houses 13.50% 12.50% 14.50%
91 Credit to Co-operative Banks/Societies N/A N/A N/A
92 Financing to Educational Institutions N/A N/A N/A
93 Consumer Finance
94 Doctors Loan/Professional Loans 13.50% 12.50% 14.50%
95 Flat Purchase 12.00% 11.00% 13.00%
96 Transport loan (Motor car/Motor cycle etc.) 13.00% 12.00% 14.00%
97 Consumer Goods (TV, Freeze, Air Coolar, Computer, Furniture etc.) 13.50% 12.50% 14.50%
98 Credit Cards 24.00% 24.00% 24.00%
99 Educational Expenses 9.90% 8.90% 10.90%
100 Treatment Expenses N/A N/A N/A
101 Marriage Expenses 9.90% 8.90% 10.90%
102 Land Purchase N/A N/A N/A
103 Loan against Salary 13.00% 12.00% 14.00%
104 Loan against PF N/A N/A N/A
105 Personal Loan against DPS, MSS etc. FO+2% FO+1% FO+3%
106 Personal Loan against FDR, MBS, DBS etc. FO+2% FO+1% FO+3%
107 Travelling/ Holiday Loan N/A N/A N/A
108 Other personal Loans 13.50% 12.50% 14.50%
109 Miscellaneous
110 Private Welfare and Development Activities N/A N/A N/A
111 Advances for Special Credit Program (EPZ, Special Economic Zone, Youth development etc.) N/A N/A N/A
112 Swanirvar N/A N/A N/A
113 Poverty Alleviation Program N/A N/A N/A
114 Other loans not mentioned above N/A N/A N/A

Related Official's Name, Designation, Email and Contact Number: Treasury Division, Email: treasury.division@shimantobank.com, Contact: 09666716790/16790

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