If you receive any calls (except from BoB Contact Center when you have lodged a concern with them +975 2 349903), SMS and Email asking for personal details such as Account number or ATM Card number, please do not share. Bank of Bhutan will never ask for personal details of clients. It’s all spam.

Notification on ATM Withdrawal Charge

All customers are requested to note that cash withdrawals from other bank’s ATM machines are chargeable @Nu 9/- per withdrawal transaction from the sixth transaction onwards, and is recovered at each month end. This is a common charge across banks and as mandated by the Central Bank.

Priority Sector Lending (PSL) is a scheme to promote and identify the cottage and small industries (CSI) as a priority sector for targeted lending and increased coordination and efficiency in the delivery of government support schemes and incentives. PSL is a lending based on insurance on the proposed project assets.


  • Farmers
  • Unemployed youths,
  • Farmers or unemployed youths can apply for PSL loans individually, group/cooperatives and also form a company.
  • Applicant(s) should be Bhutanese citizen holding valid Citizen Identity Card;
  • Group / cooperative borrowing should have minimum of 3 members and only one person will be eligible from one household.
  • Individuals, Groups and/or cooperatives wishing to avail Agricultural CSI related financing must register with the MoAF.
  • Applicant(s) should be of sound mind;
  • Applicant(s) should have good credibility with clean CIB track record;
  • The business activities should be within the frame work as per PSL guidelines (Table 2: Activities and Products, pg 4-5).
  • PSL financing will be available for both new CSI businesses/startups as well as for CSI business expansion.


  • Individuals – Loan limit of Nu. 0.5 million (max. investment size) for primary production under Agricultural CSI
  • Integrated Activity – Nu.10 million
  • Groups / Cooperatives – Nu. 10 million (max. investment size)
  • Registered with DAMC/Forestry (Agri)
  • Partnership businesses (Non-Agri)
  • Incorporated Companies – Nu. 10 million (max. investment size)

The loan limits for agriculture CSI as well as for non-agriculture CSI will be based on the PSL guidelines and will be subject to change as and when PSL guidelines are revised.


  • Agriculture CSI – 5 years inclusive of gestation period
  • Non-Agriculture CSI – 15 years inclusive of gestation period


  • Preferential interest rate ceiling for lending to Primary Production under Agricultural CSI: 8%
  • Preferential interest rate ceiling for lending to Non-agricultural CSI & value addition in Agricultural CSI: 8.5%


  • Agriculture CSI (primary production)– 100% debt finance
  • Non-agriculture CSI and valued added agriculture CSI – debt equity finance of 70:30.
  • CSI: 8.5%


  • PSL Application form duly filled in and signed on all the pages (Full signature).
  • For loan limit between 0.5 million to 1.0 million – A brief business proposal template duly filled in where applicable.
  • For loan limit between 1.0 million to 10.0 million – A detailed business proposal with the financial projections.
  • A Copy of valid Citizenship Identity (CID) of the applicant(s) and the Chairman, office bearer and treasurer if applicable.
  • One recent Pass Port size photograph of the applicant(s) or the Chairman, office bearer and treasurer as applicable.
  • A copy of security clearance of the applicant(s) or the Chairman, office bearer and treasurer as applicable.
  • Ownership certificate(s) of the plot where PSL activity is taking place if applicable.
  • For land under joint or co-ownership, a consent letter from the joint owner or co-owner witnessed by Gup of the village (if applicable).
  • For family owned land, family (household) register issued by Department of Civil Registration and Census, MoHCA and NOC from family members (18 years and above) (if applicable).
  • For private land under lease, a Sale Deed agreement and a copy of CID of the owner of the land (if applicable).
  • Approved drawing plan of the building or construction and a copy of approval letter for construction from concerned authority (if applicable).
  • Off-take agreements if applicable.
  • A copy of group resolution or Articles of Association – in-case of partnership/cooperative/groups/company.