Personal Loan
Flexible personal loans for any legitimate purpose — competitive rates and simple processing with a personal guarantee.
Key Features
Any Purpose Loan
Use funds for education, home improvement, medical needs, travel, or other lawful purposes.
Loan Range
From BDT 1 Lakh up to BDT 20 Lakh based on eligibility and scoring.
Flexible Tenure
Repayment tenure from 12 up to 60 months to match your cash flow.
Personal Guarantee
No physical collateral required; loan is supported by personal guarantee and guarantor documents.
Short Processing Time
Streamlined documentation and automated checks for faster decision-making.
Transparent Charges
No hidden charges and no processing fee charged by the Bank. Other statutory charges may apply.
Permanent officers/employees working in the following organizations are eligible (subject to bank policy and scoring):
- Government institutions
- Semi-government & autonomous institutions
- State-owned banks and insurance companies
- Government / Private Universities
- Established training/research institutes
- BRAC / Grameen / Proshika and other recognized NGOs
- International organizations / multinational companies
- Private banks / insurance companies
- Employees should generally have a minimum total service of 5 years (including PRL where applicable).
- Holders of deposit schemes / FDRs / Bonds residing abroad may be eligible up to 80% of face value by pledging instruments, subject to terms.
- Applicants must meet the Bank's credit scoring threshold and must not have classified or non-performing loans.
Required Documents
Borrower's Documents
- Two recent passport-size photographs (photocopies).
- Photocopy of National ID card.
- e-TIN certificate.
- Photocopy of office/employee ID card.
- Latest month's salary certificate or salary sheet.
- CPF / GPF balance statement (if applicable).
- Latest 3-month bank statement.
- Two leaves of bank cheque.
Guarantor's Documents
- One recent photograph of guarantor (photocopy).
- Photocopy of guarantor's National ID card.
- Photocopy of guarantor's e-TIN certificate.
- Photocopy of guarantor's office ID card.
- Guarantor's latest month's salary certificate.
- Guarantor's latest 3-month bank statement.
Processing Fee & Other Charges
- No processing fee charged by the Bank.
- Stamping charge for charge documents as per the latest Stamp Act (applicable).
- CIB charge for both borrower and guarantor as per Bangladesh Bank circulars.
- NID verification charge as per Election Commission fees.
Note: Any statutory or third-party charges payable are in addition to the Bank's terms and will be communicated during sanctioning.