Druk PNB Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Druk PNB Bank lends directly from Bhutan, covering personal, secured, car, business and student borrowing under the same roof. It suits borrowers in the country who want a fixed rate and a longer repayment window, at an APR of 9.5% to 14% against a site median of 12%.

Key facts

Best for
Borrowers in Bhutan wanting a long, fixed-rate loan straight from the lender.
APR
9.5% to 14% (Source, checked September 26, 2026)
Loan amount
BTN 500,000 (Source, checked September 26, 2026)
Term
60 months (Source, checked September 26, 2026)
Arrangement fee
Nu. 100 loan application fee plus Nu. 500 processing fee for loans up to Nu. 0.50 Mn (Personal Loan to Public) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Loan types
Personal, Secured, Car, Business, Student (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Druk PNB Bank Limited (Source, checked September 26, 2026)
Headquarters
Bhutan (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Official website
drukpnbbank.bt

Apps and profiles

Get the app
App StoreGoogle Play

Pros and cons

Pros

  • A direct lender rather than a broker, so the bank sets its own scheme terms: direct lender.
  • Personal, secured, car, business and student lending all sit under the same roof: personal, secured and car.
  • The rate is fixed, so instalments do not move with the market: fixed.
  • Repayment terms of 60 run past the 36 median term on the site.

Cons

  • The top of the range, 9.5% to 14%, sits well above the 6.13% lower quartile on the site, so cheaper rates exist elsewhere.
  • Every application carries a hard credit check: hard.
  • Support runs on email and phone only, with no chat channel listed.
Druk PNB Bank

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Bhutan who would rather deal with the lender itself than a broker: direct lender.
  • Households planning home improvement work, the use the bank names: home improvement.
  • Anyone able to fix the rate for the life of the loan: fixed.

Who should look elsewhere

  • Not Cashspace ES if the rate is the deciding factor, since its listed APR is 0%.
  • Not Cashspace, whose APR runs PHP 12 to PHP 36 and tops out above the 9.5% to 14% range here.
  • Not Monzo Flex for a tighter band, since 10% to 23% spans more ground than 9.5% to 14%.

Who runs it

Druk PNB Bank Limited is the legal entity behind the lending, and it is based in Bhutan, so this is a domestic bank rather than a broker or marketplace. Borrowers reach the lender itself, with the same name on the loan and on the support desk, and support runs on email and phone. Contact is by email or phone, which suits applicants who prefer to talk a loan through with a person.

How Druk PNB Bank compares

Where Druk PNB Bank is available

Available
Bhutan

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from Druk PNB Bank?+

Amounts reach BTN 500,000 through the bank's own schemes, and it lends directly rather than through a broker, so the ceiling sits with the lender itself: direct lender. Home improvement is the stated use for the money, which suits a large renovation.

What rate will I pay on a Druk PNB Bank loan?+

The advertised rate is 9.5% to 14%, and it is fixed rather than variable, so the cost of the loan does not drift with the market: fixed. The median APR across the site is 12% and the lower quartile is 6.13%, so cheaper credit does exist elsewhere.

How long do I have to repay?+

Repayment is set at 60, longer than the 36 median term on the site and at the 60 upper quartile. Spreading the loan over that window keeps the instalment lower, though the interest added across the term is higher.

What fees does Druk PNB Bank charge?+

Personal loans to the public carry a loan application fee and a processing fee, charged on top of the interest rate of 9.5% to 14%. Both sit in the bank's schedule of charges, separate from the advertised rate, so they belong in any comparison of what a loan costs to clear.

What credit check will I face?+

Applications carry a hard credit check, the same type used by 72.7% of lenders on the site: hard. A hard check means the file is examined in full, so it suits borrowers with a settled repayment history rather than applicants testing the water with a small sum.

Which kinds of loan does the bank offer?+

Personal, secured, car, business and student lending all sit under the same roof: personal, secured and car. Because the bank is a direct lender, direct lender, a borrower moving from a car loan to renovation work stays with the same counterparty rather than starting again elsewhere.

How do I reach Druk PNB Bank for help?+

Support runs on email and phone, so questions about a scheme, a charge or a repayment date go to a person by email or phone. No chat channel is listed, which makes the bank a better fit for applicants who want a conversation than for those who prefer live messaging.

What should I borrow it for?+

Home improvement is the use the bank names for its lending: home improvement. A fixed rate of 9.5% to 14% and a term of 60 give an instalment that does not change, which suits a project with a known cost and an end date rather than an open-ended bill.

Sources

  • drukpnbbank.bt/various-charges-for-loan-and-advances checked September 26, 2026

    Backs: Credit check, Arrangement fee

    “CIB/CIR Charges Nu.500.00 for each report whether Consumer / commercial / micro , hit report or no hit report”

  • drukpnbbank.bt checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Corporate Office, Norzin lam, Thimphu”

  • drukpnbbank.bt/loan-schemes checked September 26, 2026

    Backs: Loan amount, APR, Lender type, Loan types, Rate type, Term, Use cases

    “Personal Loan to Public - Loan limit: Nu. 500,000/-”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time, Representative example.

Druk PNB Bank

Druk PNB Bank

Borrowers in Bhutan wanting a long, fixed-rate loan straight from the lender.

9.1/10See alternatives

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