Accounting rate NBT

 for 13-06-2024

    • 11.3225
    • 13.3560
    • 0.1536

    • TJS
    • TJS
    • TJS

Lending on business

Loans for business activity are issued to entrepreneurs and legal persons within Republic of Tajikistan that have own sustainable and perspective business, with experience of successful work, own capital and ability to present the Bank enough credit security.


It is required to follow the following principles at issuing loan for business activities:

Requirements to clients

1.Clients age:
- From 18 to 62 years old;
2. Business type:
- Trade
- Production
- Services
3. Business of a legal person or an individual entrepreneur is mandatory:
- be within the functioning area of the subdivision of OJSC Agroinvestbank;
- not to contradict the legislation of the Republic of Tajikistan;
Citizenship and actual residence (registration, passport of RT) and activity in the Republic of Tajikistan;

Compulsory conditions

1. Availability of current business.
2. Share of ownership of a resident of the Republic of Tajikistan in the business should exceed 51%.


Somoni, USD, Russian roubles, Euro

Minimum amount of the loan

100 USD or equivalent in Somoni and other currencies

Loan term

  • Short term-from 1 month to 1 year;
  • Medium term from 1 year to 3 years;
  • Long term -  from 3 years.

Purpose of crediting

Accumulation of circulating and / or key funds of the existing business.
New, inexistent business is not funded.

Interest rate

In national currency - 32% per annum

In foreign currency - 29% per annum 

Method of charging interest

Interests are charged on the remainder of the main debt of the loan.


According to the current tariffs of the OJSC Agroinvestbank.

Method of repayment

- monthly repayment by the method of annuity;
- monthly repayment by equal allotments;
- quarterly repayment (interests are paid off monthly)

Period of grace

- Provided for credits above10000 USD;
- Only on main debt.
- Details are defined during reviewing loan application;

Credit security

Bank can accept the following under security:
- Goods in circulation;
- Homestead;
- Real estate;
- Golden items;
- Equipment;
- Deposit;
- Vehicle;
- Guarantee (s).

Documentation required for loan application

1. Clients passport (Heads of organizations)

2. Borrowers Tax identification number

3. Certificate on state registration of the private entrepreneur or legal person (for loans up to 3 000 USD), Patent and other necessary documents for running business (license, certificates and others.);

4. Organizations charter (only for legal persons);

5. Balance sheet, on income and loss and flow of cash assets of the organization (only for legal persons).

Parallel crediting

Not provided

To recurrent clients with perfect loan history, possible advantages are foreseen on the loan size and loan term, interest rate, credit security, method of loan repayment and interests.

Branches of the Bank

33 Branches