Consumer Loan

Conveniences and small luxuries makes life enjoyable. Consumer Loan is an easy finance option for purchasing household items like Washing Machines, Refrigerators, AC, TV, LCD, Microwaves etc. Get set to fulfil your aspirations.


  • Regular employees (Bhutanese and expatriates) of government department, government corporation, joint corporation, private companies, NGOs, UN offices and autonomous bodies (where employees are entitled for PF and gratuity)
  • Guarantor: Third Party Guarantor of an employee of same grade or higher from the same Ministry with three years confirmed service or as stated below should be obtained:
  • The Guarantor should have a minimum of 3 years of confirmed service in addition to the criteria of eligibility of a guarantor.
  • For Senior Regional/Dzongkhag government officials /Head of Govt. Autonomous Bodies, guarantor should be of
    • Equivalent/higher grade from the same ministry or Dzongkhag
    • Next senior officer from the same regional office
    • Other civil service
    • Government owned Enterprise
    • DHI owned or controlled companies except for BoBL
  • Note: The elimination of obtaining the guarantor should follow the above sequence


Eligibility Criteria Quantum
6 months to 1 year 100,000
1 year to 3 years 200,000
Over 3 years 500,000 As per Net take home pay

Interest Rate


5 years maximum

Required Documents

  • Consumer Loan application form duly filled in by the applicant

  • Copy of CID of both the applicant and the guarantor (equal or higher grade with three years of confirmed service from same department)

  • Appointment order for both applicant and guarantor

  • One recent Passport size photograph of the applicant

  • An irrevocable letter of authority from the applicant to his employer for deduction of monthly loan installment from salary

  • An irrevocable letter of authority from the employer to deduct the monthly loan installment from salary of applicant and remit to bank

  • Latest Pay Slip of the applicant(s) and guarantor dully filled, signed and sealed by salary disbursing officer & recommendations

  • Call us on: 1095
  • Write to us at: [email protected]
  • Request Callback:+975