Credit Programs.

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 10%. The rate of interest may however, vary from time to time. Both the landowner and share croppers are normally the target group for this loan. Marginal farmers are also eligible for the loan.

Crop loan is sanctioned on annual basis.

Credit passbook is issued to each borrower.

Fisheries Loan

To accelerate fish production BKB provides loan for excavation and re-excavation of ponds, development of marshy lands, establishment of fish hatcheries and new fisheries projects. The Loans are given in the following sub sectors:

White Fish

Fish culture in existing pond/tank

Fish culture by re-excavation of old/derelict tank/tank

Fish culture by excavation of new tank/tank

Shrimp culture (Marine, Brackish water and sweet water Culture )

Shrimp culture in traditional system (Bagda or Tiger Shrimp)

Shrimp culture in scientific system

Shrimp culture in semi-intensive method

Prawn culture in sweet water(Galda)

This loan is given mainly in coastal areas for developed technology based shrimp culture.

Fish & Shrimp hatchery (fingerlings production)

Fingerlings production in sweet water

Shrimp fingerlings production (fingerlings of commercially profitable technology)

Live Stock Loan

Live stock sector plays an important role in the development of agriculture. BKB provides loan for Bullock, Milch Cow, Goatery, Beef fattening and other draft animals. It is basically Medium Term Loan.

Beef Fattening Program :

With a view to creating self employment for the poor and un-employed people of the country the bank has introduced a new program titled "Beef Fattening".

Objectives of the program

Create self-employment opportunity for poor and un-employed people.

Meet national deficit of animal protein.

Bring positive change in the attitude of the people through training.

Ensure participation of bank officials in the program and increase their sense of duty and consciousness.

Main Aspects

Purely supervised credit.

The bank officials giving guarantee are responsible for recovery of loan.

Each borrower will get maximum Tk. 25,000/-for 5 calves ( each Tk. 5,000/-)

Loan is collateral free.

Repayable within one year.

Continuous Loan:

The bank is providing continuous loan for different types of activities as cash credit/working capital loan on short term basis. Continuous loan is given for processing, preservation and marketing of agricultural products.

Agro Equipment & Farm Machinery Loan

With the Changing scenario the traditional agricultural system is being replaced by mechanized one. In order to meet up the changing demand of this sector, BKB offers credit facilities both for production and marketing of different agricultural equipment and farm machinery including irrigation equipment. All sorts of irrigation equipments like LLP, HPTW, STW, DTW are eligible under the sector.

Agro Processing Industries

As an agricultural country different types of crops and fruits are produced here. Moreover recently sectors like poultry, dairy, fisheries have flourished enormously. There is enough scope for export of these items through processing mechanism and value addition. The agro based industries are – Poultry farm, Dairy farm, Food processing plant, Fish freezing/Processing Industries etc. Reputed local businessmen and prospective foreign investors are highly acceptable and encourage to the bank for establishment of any sorts of agro-processing industries in Bangladesh. Project under joint venture as well as direct foreign investors are specially taken care of.

Poultry farm

Poultry broiler farm

Poultry layer farm

Poultry (broiler/layer) hatchery

Poultry farm related/dependent project

Dairy farm

Milk production

Milk collection, milk processing (ghee, butter, pasteurized milk etc production) and marketing

Food processing project

Fruit based food preparation, processing, preservation & marketing

Flour, bread & biscuit vermicelli, noodles, chips., chanachur, corn flakes, potato flakes, French fry, popcorn, baby food, starch etc

Juice, jam, jelly, tomato ketchup, sauce, pickle etc production & marketing

Spices processing

Different types oil mill, dal mill etc

Small processing industry at farm level Dehydrated fruit canning, packaging, preservation & marketing

Exportable items

Fish processing

Freezing plant

Dehydration plant (for dry fish processing)

Salting and Dehydration of Jew fish.

Leather process & leather based products item

Vegetables

Import substitutes

Leather and Leather Goods

Fish net/net thread production

Garments accessories (garments allied industry like washing plant, packaging etc)

Organic fertilizer, mixed fertilizer, urea super granules etc production & marketing

Insecticides production

Bio-pesticide, neem based pesticide production.

SME financing by Bangladesh Krishi Bank

Bangladesh Krishi Bank has introduced the SME policy strategies and financing norms in accordance with the industrial policy and Bangladesh Bank's Prudential Regulation to assist in the achievement of Millennium Development Goals (MDGs) set by the government. BKB started SME financing since October, 2007.

Interest Rate:

Term Loan : 15.00%

Cash Credit/Working Capital Loan : 15.50%

Women Entrepreneur : 15.00%

Repayment:

EMI (equal monthly instalment) maximum for 5(five) years and working capital for 1(one) year.

Other Program

* Ghore fera kormoshusi.

* Green Banking Policy.

* BKB SME policy.