Unsecured Personal Loan (UPL) is a term loan facility offered by Bank’s Retail Banking Division to individual salaried persons where the Bank has its operations to cater their personal needs. This is also an “any purpose” loan. However, the applicant must need to mention the purpose of the loan clearly in the loan application.

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, educational institutes, government officials, officials working in reputed NGOs (Non Government Organizations), international aid agencies and UN bodies, having a reliable source of income.


  • Age limit: Minimum 23 year, Maximum 65 year at loan maturity*
  • Minimum income Tk. 15,000.00 per month       

Loan Features:

  • Loan amount: minimum Tk. 50,000.00 to Maximum Tk. 2,000,000.00*
  • Repayment tenure: maximum 5 year
  • Only spouse is allowed as joint applicant
  • Re-payment method: Equal Monthly Installments.
  • No hidden cost

Charges & Fees:

  • Penal Interest: 2% per month on overdue amount
  • Processing fee: 0.50% but not exceeding Tk. 15,000
  • Partial / Final prepayment: 0.50% on prepayment amount.
  • Relevant stamp charges will be realize from the borrower(s)