Personal Loan

Customers having sufficient net cash flow to deposit the installments regularly of the following segment:

Customer Segment:

For permanent/confirmed service holders of Govt., Semi-Govt., Autonomous Organizations, Banks, Insurance Companies, Public Limited Companies, Multinational Companies, NGOs, Employees of Private Limited Companies, acceptable to the bank, covered by guarantee of another employee of equal or higher grade. Teachers of Universities, Colleges & Schools (Affiliated). Professional persons like Doctors, Engineers, Chartered Accountants, and Architects.


  • Any lawful purpose.

Nationality & Age Limit:

  • Bangladeshi by birth.
  • Minimum age 25 years / Maximum age 57 years.
  • But loan tenor shall not exceed 62 years of age.

Minimum Income:

  • Net Income should be at least Tk. 40,000/- per month. (To be substantiated by evidence)

Loan Size:

  • Minimum 2.00 lac and Maximum Tk. 20.00 Lac.

Maximum Term of Loan:

  • 5 years

Rate of Interest:

  • As determined by the bank from to time.

Security/ Collateral:

  • The loan above Tk. 8.00 Lac shall be secured by 200% tangible asset or 100% financial asset.
  • Hypothecation/ Lien/Registration / Mortgage of Offered/Procured/Purchased/Any other asset, acceptable to the bank, as feasible depending on the type of asset.
  • In suitable cases security condition may be relaxed.