Month of data published by Bangladesh Bank | Base Rate |
January 2026 | 9.81% |
December 2025 | 9.68% |
Retail Loan [Home Loan, Auto Loan & Personal Loan] Pricing Methodology
Base Rate [Variable] + Margin Rate [Fixed] = Effective Rate |
Here,
a) Base Rate (Variable):
- The base rate will be the “Latest average of the highest 6-months’ FDR rate of all private commercial banks of Bangladesh except Islamic banks, foreign banks and 4th generation onward banks”, as published by Bangladesh Bank (BB).
- This base rate will be variable and will be reviewed in every 6 (six) months for Home Loan. For Auto Loan & Personal Loan base rate will be reviewed in every 1 (one) year. Any changes in the base rate will be adjusted with the effective rate of the loan.
- Data source: https://www.bb.org.bd/en/index.php/financialactivity/interestdeposit
b) Margin Rate (Fixed):
- The margin rate will be fixed for the entire loan tenure.
- Margin will be determined based on:
- Risk assessment of the borrower
- Loan facility type
- Customer - bank relationship
Annexure-A
Serial | Bank Name | 6-month Highest FDR in January, 2026 |
1 | AB-BANK | 12.00 |
2 | BANK ASIA | 9.00 |
3 | BCBL | 10.50 |
4 | BRAC BANK | 9.75 |
5 | DHAKA BANK | 10.50 |
6 | DUTCH-BANGLA BANK | 8.10 |
7 | EBL | 8.50 |
8 | IFIC | 9.50 |
9 | JAMUNA BANK | 10.00 |
10 | MERCANTILE BANK | 10.00 |
11 | MUTUAL TRUST BANK | 9.00 |
12 | NATIONAL BANK | 9.50 |
13 | NCC BANK | 10.00 |
14 | ONE BANK | 10.75 |
15 | PREMIER BANK | 12.00 |
16 | PRIME BANK | 9.88 |
17 | PUBALI BANK | 8.25 |
18 | SOUTHEAST BANK | 9.75 |
19 | CITY BANK | 9.39 |
20 | TRUST BANK | 8.50 |
21 | UCBL | 11.00 |
22 | UTTARA BANK | 10.00 |
| Average (Base Rate) | 9.81 |
