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Consumer Loan


  1. Regular employees (Bhutanese and expatriates) of government department/ government corporation/ Joint corporation/ private companies /NGOs/ UN/ Autonomous bodies ( where employees are entitle for PF and gratuity)
  2. Minimum of 2 years conformed service.
  3. 3. For those who have completed the probation period and completed one year of service including the probation period, a guarantor is required.

Guarantor should be of grade Six (6) from the same organization.

Eligible: Max Loan amount is Nu. 500,000 and 70% of the take home pay is calculated for Loan Repayment.

Tenure: Maximum 5 years.

Consumer Loan application duly filled in by the applicant.

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

iii. One recent PP size photographs of the applicant.

  1. Latest Pay Slip and Appointemnt Order of the applicant.

Note: if there is a guarantor, then the above documents is also to be submitted by the Gurantor