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Unsecured Personal Loan
Unsecured Personal Loan (UPL) is a terminating facility offered by Bank’s Consumer Credit Department to individual salaried persons living in the cities / towns where the Bank has its operations. It is a clean or unsecured loan in the sense that only security in this type of loan product is: a) Letter of Introduction from employer b) Transfer of monthly salary and assignment of Terminal Benefits c) Personal Guarantee taken from specific section of people.
1. Customer Segment
Any Bangladeshi individual who has the means and capacity to repay bank loan. In specific terms, these could be salaried executives of multinational and middle to large size local corporate, Government officials, Officials working in reputed NGOs (Non Government Organizations), international aid agencies & UN bodies, having a reliable source of income.
2. Loan Feature
Loan amount minimum Tk. 50,000.00 to Maximum Tk.10,00,000.00
Repayment tenure Maximum 4 years.
Payment method- Equal Monthly Installments.
Competitive interest rate
No hidden cost.
3. Eligibility
Age limit: Minimum 25 years, Maximum 57 years at loan maturity
Minimum income Tk 15,000.00 per month
Minimum service length 2 years. At least 6 months with current employer
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