Import Substitution Agricultural Credit (আমদানি বিকল্প কৃষি ঋণ )

To reduce dependency on imports and promote local production, this concessional loan product has been introduced to support the cultivation of key import substitute crops such as pulses, oilseeds, spices, and maize. The scheme aims to ensure food security, enhance rural income, and support sustainable agricultural growth.

Loan Features

  • Interest Rate: 4% ( with subsidy from Bangladesh Bank)
  • Loan Amount: As per Agricultural & Rural Credit Policy
  • Loan Tenure: 6 months to 1 year/ Crop calendar
  • Grace Period: None
  • Collateral: Not required

Eligible Customers

  • Individual farmers, groups, farms, and agriculture-based projects involved in cultivating the targeted crops

This loan is available through all designated branches in line with Bangladesh Bank’s agricultural financing policy.

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