Interest Rate

Reference Rates for interest rate Loans and Advances:

Tenor of loan	Reference ROI for Loan in VND	Reference ROI for Loan in USD
up to 3M	9.05%	6.25%
More than 3M up to 6M	9.50%	6.35%
More than 6M up to 9M	9.50%	6.50%
More than 9M up to 12M	9.50%	6.75%
Long term more than 12M	10.00%	7.50%

The above rates are for reference and negotiable from case to case basis

Bank of India - Ho Chi Minh Branch's lending interest rate information:
Average VND lending rate (01/2026)	8.50%/year
Difference between average VND lending rate and average VND deposit rate (01/2026)(*)	3.00%/year

Note: (*): Average deposit rate of Bank of India - Ho Chi Minh Branch with terms 01 month and above

Average Lending Rate:8.50%
Difference between lending and deposit rate(@): 3.12%
@average deposit rate of BOI HCMC with terms 1month and above with effect from 01.12.2024.

Foreign Exchange Rate

The rates updated as on 09/03/2026.

Currency	Buying Rates	Selling Rates
VND	26,031	26,311
INR		90,40

Interest Rate

Foreign Exchange Rate

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