Khamar ( Farm/Non-Crop Loan)

Any justifiable capital expenses and/or working capital in farming /Others related to Agriculture
[Or as determined by Bangladesh Bank’s updated guidelines]

Key Features

  • Areas:
    • Fisheries
    • Poultry
    • Hatchery
    • Beef Fattening
    • Milching cow/Dairy
    • Duck rearing
    • Integrated Farm (Poultry/livestock, fisheries & others)
    • Bio-gas Plant (for individual)
    • Bio-gas Plant (for Farm)
    • Solar panel for farm
    • Others (related to Agriculture) or defined in BB guidelines
  • Loan size: Up to Tk.500.00 lac
  • Financing mode: Short Term/Term/ CC(H)/OD(G)
  • Tenure:
    • For Cash Credit (Hypo)/OD(G) : Maximum 1 year
    • For Term Loan : Maximum 4.5 years (6 months for Beef fattening)

[Or as determined by Bangladesh Bank’s updated guidelines]


  • Loans to Individuals/Farms in Bangladesh
  • The applicant must be Bangladeshi by nationality
  • Age is between 21– 65 years of age (the borrower's age must not exceed 65 at the expiry of loan tenor), Reside within locality/command area for minimum 2 years
  • The customer/entrepreneur has experience of successfully managing the farm for at least 2 years and the location of the business has not changed in last 2 years.
  • And others as applicable


  • Hypothecation of stock, machineries, equipment, vehicles etc.,
  • Personal Guarantee (PG)
  • Postdated cheque
  • Lien of cash collateral (FDR) and other en-cashable financial instrument (if any/where applicable)
  • Collateral: Registered mortgage (where applicable)
  • And other security required as per banking rules

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