Digital Nano Loan
Instant, paperless short-term loan tailored for individuals — competitive interest, no collateral.
Key Features
Paperless & Any Purpose
Apply fully online through Sonali e-Wallet — use the fund for any legitimate purpose.
Flexible Amounts
Loan range from BDT 500 up to BDT 50,000.
Short Tenure
Loan tenure available up to 6 months for quick repayment.
No Collateral
Collateral is not required.
Instant Processing
Minimal checks with automatic scoring — fast approval flow.
Transparent Fees
No hidden charges or processing fees from the Bank.
Eligibility
Individuals engaged in the following professional categories (and meeting other conditions listed below) are eligible:
- All persons whose salaries are deposited into an active Sonali Bank account
- The customer shall maintain a regular savings account with any branch of the Bank and deposit/credit a particular amount monthly.
- Re-application will not be accepted if a similar loan already exists.
- Customer must meet a minimum threshold of 50% on the bank’s prescribed loan scoring system (automated and final).
- No classified or non-performing loans at the time of application.
- A nominee must be appointed to the Primary account maintained with the bank.
- Customer’s savings account must comply fully with KYC requirements.
- The Primary Account must be active and in good standing.
Note: The customer base for this loan will be expanded in phases later.
How to Avail Digital Nano Loan
To avail the Digital Nano Loan, the borrower must register on the Sonali e-Wallet app using a Sonali Bank PLC Savings Account Number. The app is available for Android and iPhone.
- If any profile details change (employer, salary, address, contact details, account details), inform the Branch Incumbent immediately.
Interest Rate
Competitive compound interest will be applied as per the Bank’s schedule. The exact rate will be shown during application based on Bank policy and automated scoring.
Processing Fee
No processing fee charged by the Bank.