Green Transformation Fund (GTF), Women Entrepreneur Refinance Scheme, and CMSME Stimulus Refinance — check your enterprise's eligibility and calculate total interest savings on a concessional loan.
Check which BB refinance scheme(s) your enterprise may qualify for, and calculate total interest savings between a concessional loan and a standard market-rate loan.
Minimum 51% required for the Women Entrepreneur scheme
The enterprise falls within the CMSME classification (small), which qualifies for the general CMSME stimulus refinance window.
This enterprise potentially matches 1 scheme(s): CMSME Stimulus/Revolving Refinance. Final approval remains subject to the participating bank/NBFI's verification.
| Scheme | Rate Band | Monthly EMI | Total Interest | Interest Savings |
|---|---|---|---|---|
| Green Transformation Fund (GTF)CHEAPEST | 6%–8% | ৳39,602 | ৳376,120 | ৳385,080 (50.59%) |
| Women Entrepreneur Refinance Scheme | 7%–8% | ৳40,076 | ৳404,560 | ৳356,640 (46.85%) |
| CMSME Stimulus/Revolving Refinance | 8%–9% | ৳41,033 | ৳461,980 | ৳299,220 (39.31%) |
| Standard Market Rate (Unsubsidized) | 13.5% | ৳46,020 | ৳761,200 | — |
Representative capped end-borrower rate bands — not live circular rates
| Scheme | Capped Rate Band | Key Eligibility | Circular Reference |
|---|---|---|---|
| 🌱Green Transformation Fund (GTF) | 6% – 8% | The project must serve an environment-friendly/green purpose (ETP, energy efficiency, renewable energy, water/resource conservation). | Bangladesh Bank Green Transformation Fund (GTF) refinance scheme circular (Sustainable Finance Department — SFD). |
| 👩💼Women Entrepreneur Refinance Scheme | 7% – 8% | The enterprise must have at least 51% women ownership (demonstrated via ownership/shareholding structure). | Bangladesh Bank Women Entrepreneur Refinance Scheme circular (SME & Special Programmes Department — SMESPD). |
| 🏭CMSME Stimulus/Revolving Refinance | 8% – 9% | Any enterprise within the cottage/micro/small/medium (CMSME) classification qualifies. | Bangladesh Bank CMSME Stimulus/Revolving Refinance Scheme circular (SMESPD). |
| 🏦Standard Market Rate (Unsubsidized) | 13.5% | Representative comparison figure for standard SME market lending without any BB refinance subsidy. | |
Authoritative briefings on Bangladesh Bank refinance mechanics and eligibility
An explanation of the three-tier BB → bank/NBFI → end-borrower spread-cap structure that delivers subsidized interest rates.
The main categories of environment-friendly projects covered under the Green Transformation Fund (GTF), and general eligibility criteria.
How to demonstrate the 51% ownership threshold for Women Entrepreneur Refinance Scheme eligibility, and the documentation typically required.
How the cottage/micro/small/medium classification is determined based on employee count and fixed-asset value, and why this underpins every refinance scheme's eligibility.
The step-by-step process for applying for a loan under a BB refinance scheme — from choosing a participating institution through to disbursement.
A step-by-step worked calculation showing the total interest difference between GTF's concessional rate and the standard market rate on a ৳20 lakh, 5-year loan.
Guidance based on the refinance mechanism and eligibility rules
All scheme rate bands and the 'standard market rate' figure used in this hub are representative educational estimates — they are not live Bangladesh Bank circular rates. Bangladesh Bank periodically revises these rates and eligibility criteria via SFD/SMESPD circulars. Always verify the current circular at bb.org.bd before making a real financing decision.
This hub is an educational comparison tool. It does not provide legal, tax, or investment advice, and is not an official offer from any bank/NBFI. Verify the participating institution's current terms and consult a financial advisor before making a real loan application.