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Jamuna Bank Agriculture Loan offers flexible financing solutions with competitive interest rates, convenient repayment options, and customized financial structures designed to support farmers, agribusinesses, and agricultural entrepreneurs in meeting their cultivation, production, and business requirements
Interest Rates
In line with central bank directives, the bank maintains competitive lending rates specifically designated for the agricultural sector. As per the bank’s schedule, agricultural loans generally feature a regulated mid-rate around 12.50%p.a (fluctuating within 11.50%p.a to 13.50%p.a).
Loans at 4% concessional interest rates for special/priority crops
- The 4% Concessional Rate Loan is a highly subsidized, low-interest credit facility introduced by Bangladesh Bank.
- The primary objective of this concessional financing window is to increase domestic production of agricultural products that Bangladesh heavily imports, thereby reducing import dependency and conserving valuable foreign exchange reserves.
- Pulses: Mug, Lentils, Khesari, Chickpeas, Peas, Mashkalai, Arahar, etc.
- Oilseeds: Mustard, Sesame, Linseed, Peanut, Sunflower, Soybean, etc.
- Spices: Ginger, Garlic, Onion, Chili, Turmeric, Cumin, etc.
- Grains: Maize (Corn).
Refinance Scheme Management
The unit actively participates in various Bangladesh Bank Refinance Schemes such as low-cost stimulus funds for food security or small-scale farming. These allow the bank to offer concessionary, low-interest credit to targeted rural marginal farmers.