SME D Bank Announces Interest Rate Reduction to Support Thai SMEs

Strategic Insights -

SME D Bank has announced a maximum annual interest rate reduction of 0.25% to bolster the resilience of Thai SMEs in challenging economic times. This move is in line with the Bank of Thailand's policies and the Monetary Policy Committee's resolutions, aiming to alleviate financial costs for SME entrepreneurs and stimulate the economy. The interest rate cut is the third in 2025, targeting vulnerable groups to mitigate the impact of economic downturn, natural disasters, trade taxes, and border unrest. SME D Bank also offers special low-interest loan products with an interest rate of just 3% per annum, fixed for the first three years, to help SMEs access low-cost loans and manage business costs.

Key Takeaways:

  • SME D Bank has reduced the maximum annual interest rate by 0.25% to support Thai SMEs.
  • The interest rate reduction includes Minimum Retail Rate (MRR) from 7.575% to 7.325% per annum, Minimum Overdraft Rate (MOR) from 7.40% to 7.20% per annum, and Minimum Loan Rate (MLR) from 7.25% to 7.10% per annum.
  • Effective August 15, 2025, SME D Bank has reduced interest rates for all types of loans to alleviate financial costs for SME entrepreneurs.
  • SME D Bank offers special low-interest loan products with an interest rate of 3% per annum, fixed for the first three years, to help SMEs access low-cost loans.
  • The special loan product includes three programs: "SME Green Productivity" loan with a maximum loan amount of 10 million baht, "SME Empowerment" loan with a maximum loan amount of 1.5 million baht, and "Beyond SME Wings" loan with a maximum loan amount of 15 million baht.
  • SME D Bank promotes the potential of SME entrepreneurs through the "Capital Partner Development" service with the DX by SME D Bank platform.

Statistics:

  • Maximum annual interest rate reduction: 0.25%
  • Minimum Retail Rate (MRR): reduced from 7.575% to 7.325% per annum
  • Minimum Overdraft Rate (MOR): reduced from 7.40% to 7.20% per annum
  • Minimum Loan Rate (MLR): reduced from 7.25% to 7.10% per annum
  • Special low-interest loan products: available with an interest rate of 3% per annum, fixed for the first three years
  • Loan amounts:

+ "SME Green Productivity" loan: up to 10 million baht

+ "SME Empowerment" loan: up to 1.5 million baht

+ "Beyond SME Wings" loan: up to 15 million baht

Sources:

  • Thai News Agency
  • SME D Bank
  • Bank of Thailand (BOT)
  • Monetary Policy Committee (MPC)