What are loan classifications and interest rates?
  1. Micro Loan: 5%                            4. Non Seasonal Export: 8%
  2. Cottage Industry: 8%                   5. Seasonal Export Financing: 8%
  3. Small Industry: 8%
In what broad sectors are loan covered?
  1. Agriculture                        3. Manufacturing & Production
  2. Livestock                          4. Service
Are there any charges/fees while availing loan?

Yes, the following are the minimum fees charged. While processing fees are retained by the bank, CIB charges are all transferred to the CIB office.

Processing Fee

  1. Up to Nu.500,000: Nu 100
  2. More than Nu.500,000: Nu 500

CIB Charges

Up to Nu.100,000

  • Micro Consumer Comprehensive Report (Hit Report): Nu 100
  • Micro Consumer (No-Hit Report): Nu 50

More than Nu.100,000

  • Consumer Comprehensive Report (Hit Report): Nu 300
  • Consumer No-Hit Report: Nu 100
From where should I apply for the loan?

You can apply via any of the following offices located nearest to your locality:

  • Regional Offices: Mongar, Gelephu, Phuentsholing, and Thimphu.
  • Branch Offices: Kanglung and Dagapela.
  • Community Service Centers:  In all gewogs.
  • Head Office: Paro
Can I apply online for loan?

Yes, you can apply online and accordingly need to upload all the required documents as per the checklist.

What are the documents required?

You can visit our website for the checklist under the ‘Products’ menu on the bank’s website (www.csibank.bt).

Can I get additional loan?

Yes, you can get an additional loan for an ongoing project or expansion of an already completed project.

What is Gestation period?

The gestation period is the time period given until there is production from the project. It depends upon the nature of the project but the maximum period given is two years.

When and where do I repay the loan?

Once the gestation (grace) period is completed, you have to start with the loan repayment.

Repayments can be done by depositing through the BDBL cash counter in our repayment account (000127140158/ 000127160093). You can visit any of the Community Service Centers located in all the gewogs or BDBL cash counters or Regional Offices or Branch Offices or Head Office.

However, the borrower should provide either the loan account number or the CID number of borrowers so that the repayment is credited in the correct borrower’s name.

Can I repay through any mobile app (mBoB, ePay, mPay, etc. )?

Quick Guideline to make your repayment via mobile app

Please enter the details of the CLIENT and not the depositor.

Can one person apply for two or more loans with different activities?

No, one person can’t apply for more than two or more loans of different activities at the same time or at a later point of time unless the first loan is completely closed or liquidated.

Can I get the loan statement?

Yes, you can get by visiting any of our offices or by contacting via bank’s toll-free number at 1580 and by providing your email address.

What is the maximum loan term?

For Microloan under Nu. 500,000, the maximum term will be of 5 years and for CSI loan above Nu. 500,000, the maximum term will be 10 years.

However, the loan term will be determined based on the nature of the project and hence maximum term will or will not be given.

Will I get new loan right after I close existing loan?

Yes, you will get a new loan right after closing the existing loan but the repayment of the earlier loan should be clean for the last six months.

Is there any limit to get loan?

Yes, the loan limit is 10 Million for CSI loans with debt-equity of 75% to 25% and a Microloan Maximum of Nu. 500,000 without requiring any equity.

What about CSI Bank loan process?

What is National Credit guarantee Scheme (NCGS)?

Under this scheme, the government will stand as the guarantor for loans above Nu. 2 million sanctioned by the NCSIDBL.

For more information visit https://www.ncgs.gov.bt/