༄༅།། འབྲུག་རྒྱལ་ཉེན་སྲུང་ལས་འཛིན་ཚད།
Royal Insurance Corporation of Bhutan Limited

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Credit and Investment

RICBL meets not only the insurance needs of the country but also provides finances for the overall development of the nation. The Credit & Investment department pools resources from insurance related businesses and invests through the various loan schemes.


The Card scheme is in operation since from 17th December 1997, has growth to become an independent division of its own. RICBL Cardholders automatically gets free Personal Accident Insurance cover. Presently RICBL is dealing with four type of card namely Diamond, Gold, Silver and Classics Card with varying amount of cash withdrawing limit and credit transaction

Type of Card Loan Sanctioning Limit Interest Rate Old Interest Rate Membership Fee Term Processing Fee
Diamond Card Nu. 1 Million upto Nu. 5 Million 13.50% p.a 14.50% p.a Nu. 1500/- p.a 12 months (renewal) Nu. 200/- per proposal
Gold Card Nu. 500,000/- to Nu. 999,999/- 13.50% p.a 14.50% p.a Nu. 1250/- p.a 12 months (renewal) Nu. 200/- per proposal
Silver Card Nu. 100,000/- to Nu. 499,999/- 13.50% p.a 14.50% p.a Nu. 1000/- p.a 12 months (renewal) Nu. 200/- per proposal
Classic Card Upto Nu. 99,999/- 13.50% p.a 14.50% p.a Nu. 500/- p.a 12 months (renewal) Nu. 200/- per proposal

Apart from loans, we also provide non-fund based assistance in form of bank guarantees

Type of Bank Guarantees Rate of Commission
EMD 1 : Guarantee amount upto Nu. 1,000,000/- Nu. 1000/- (fixed)
EMD 2 : Guarantee amount above Nu. 1,000,000/- 0.5% flat (Minimum Nu. 1000/-)
Performance Guarantee upto Nu. 10,000,000 3% p.a (Minimum Nu. 1000/-)
Performance Guarantee above Nu. 10,000,000 2% p.a (Minimum Nu. 2500/-)
Advance Mobilization Guarantee 2% p.a
Release of Retention Money Guarantee 2% p.a
Defect Liability Guarantee 2% p.a

RICB In Other News

Rural Life Insurance Scheme Revised

The government has revised the existing Rural Life Insurance Scheme (RLIS) to Nu 30,000 from Nu 15,000..Read more in Kuenselonline ->

Our Address
Corporate Office: Post Box 315,
Norzin Lam, Thimphu
E-Mail: contactus@ricb.bt
Visitor count: web counter
Main Branch: Post Box 77;
Our Auditors
S. Jaykishan 12, Ho-chi-minh Sarani, Suite - 2D, Kolkata - 700071,Trinity Plaza, 6th floor, Unit 6A, 84/1A,
Topsia Road, Kolkata - 700046