Calculate Bangladesh Bank 4% concessional interest rate subsidies on pulses, oilseeds, and spices, collateral-free credit up to ৳200,000, and MRA 24% declining microfinance schedules.
Calculate Bangladesh Bank 4% concessional crop interest subsidies, collateral-free credit limits, and MRA 24% declining microfinance schedules.
Total Interest: BDT 4,000 (12 Months)
Direct financial savings compared to standard 8.5% agricultural bank lending rate.
Official 4% concessional interest rate crop list vs 8.5% standard agricultural loan portfolio.
| Crop / Agri Sector | Subsidy Status | Interest Rate | Est. Cost / Bigha | Harvest Season |
|---|---|---|---|---|
Pulses (Lentil, Mung Bean, Chickpea, Blackgram) ACFID Circular 01/2022 (4% Subsidy Scheme) | ⭐4% Subsidy | 4.0% | BDT 18,000 | Rabi & Kharif Seasons |
Oilseeds (Mustard, Sesame, Sunflower, Peanut, Soybean) ACFID Circular 01/2022 (4% Subsidy Scheme) | ⭐4% Subsidy | 4.0% | BDT 20,000 | Rabi & Kharif Seasons |
Spices (Onion, Garlic, Ginger, Turmeric, Chili, Cumin) ACFID Circular 01/2022 (4% Subsidy Scheme) | ⭐4% Subsidy | 4.0% | BDT 35,000 | Year-round / Rabi |
Maize Cultivation (Feed Industry) ACFID Circular 01/2022 (4% Subsidy Scheme) | ⭐4% Subsidy | 4.0% | BDT 22,000 | Rabi & Kharif-1 |
Paddy Cultivation (Aus, Aman & Boro Rice) Annual Agricultural Credit Policy | Standard Agri Loan | 8.5% | BDT 25,000 | Aus, Aman, Boro |
Wheat Cultivation Annual Agricultural Credit Policy | Standard Agri Loan | 8.5% | BDT 19,000 | Rabi Season |
Potato Cultivation & Cold Storage Loan Annual Agricultural Credit Policy | Standard Agri Loan | 8.5% | BDT 45,000 | Rabi Season |
Jute Cultivation (Golden Fiber) Annual Agricultural Credit Policy | Standard Agri Loan | 8.5% | BDT 16,000 | Kharif-1 Season |
Commercial Vegetables & Fruit Orchards Annual Agricultural Credit Policy | Standard Agri Loan | 8.5% | BDT 30,000 | Year-round |
Fisheries, Aquaculture & Hatcheries Annual Agricultural Credit Policy (Fisheries Sector) | Standard Agri Loan | 8.5% | BDT 80,000 | Year-round |
Dairy & Poultry Farming (Cattle & Layers) Annual Agricultural Credit Policy (Livestock Sector) | Standard Agri Loan | 8.5% | BDT 120,000 | Year-round |
Agricultural Farm Mechanization (Harvester, Solar Pump) Farm Mechanization Refinance Scheme | Standard Agri Loan | 8.5% | BDT 350,000 | Year-round |
MRA statutory interest cap (24% declining / ~12.5% flat equivalent) and micro-insurance benefits.
Authoritative policy briefs referencing Bangladesh Bank ACFID and MRA Microfinance regulations
Complete statutory framework for availing 4% concessional agricultural credit for import-substitute crops under Bangladesh Bank policy.
Statutory rules governing collateral-free agricultural lending up to BDT 200,000 for marginal and tenant farmers.
Mathematical breakdown of MRA's 24% declining-balance interest ceiling versus legacy flat interest rates in NGO microfinance.
Statutory relief measures, zero downpayment rescheduling, and interest waiver circulars for farmers hit by cyclones and floods.
Step-by-step procedure for opening a subsidized BDT 10 farmer bank account and obtaining an official Krishi Input Assistance Card.
Lending criteria and cash flow assessment for establishing commercial livestock, dairy farming, poultry, and aquaculture ventures.
Statutory guidance under Bangladesh Bank ACFID Policy & Microcredit Regulatory Authority Rules