Regulatory Alerts2026-05-05
BRPD-1 Circular Letter No. 15: Prudential Regulations for Consumer Financing
Bangladesh Bank has updated its Prudential Regulations for Consumer Financing to increase lending limits and adjust debt-equity ratios for auto and personal loans. The revised rules raise the maximum auto loan ceiling to Taka 80 Lac per individual for electric and hybrid vehicles, while permitting an 80:20 debt-equity ratio for these purchases compared to the standard 60:40 ratio. Personal loans for consumer durables are capped at Taka 10 Lac unsecured and Taka 40 Lac maximum when secured, and banks are mandated to ensure that consumer financing growth never exceeds their overall loan portfolio growth.
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