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SME BANKING
Easy Commercial Loan
Retailers Loan
Transport Loan
Commercial House Building Loan
Possession Right Loan
Contractor's Loan
Bidder's Loan
Working Capital Loan
Project Loan
Letter of Guarantee
Letter of Credit
Loan against Imported Merchandize (LIM)
Loan against Trust Receipt
Muldhan
Women Enterpreneur's Loan (Protyasha)
SME Liability Products
- Monthly Income Scheme - Arjon
- Monthly Savings Scheme - Joma
IFIC - PRANTONARI
IFIC - KRISHI SHILPO
IFIC - Shilpo Sohay
IFIC Green Earth
Loan against 4% Interest Crops Cultivation
Easy Commercial Loan
To meet business requirement of individual business enterprises (other than public limited company) against pledge of financial instruments i.e. FDR, ICB Unit Certificate, WEDB, NFCD, PSS Account, MIS & Share Certificates & any other Govt. security eligible for credit facilities.
Interest Rate
IFIC Bank FDR 2.00% above the FDR Rate but not less than 10.50% p.a. with quarterly rest or as revised from time to time.
Other Banks FDR 2.00% above the Other FDR Rate but not less than 10.50% p.a. with quarterly rest or as revised from time to time.
ICB Unit certificate, WEDB & and other Financial Instruments. 13.00% p.a. with quarterly rest or as revised from time to time.
NFCD 13.00% p.a. with quarterly rest or as revised from time to time.
Pension Saving Scheme 13.00% p.a. with quarterly rest or as revised from time to time.
MIS 13.00% p.a. with quarterly rest or as revised from time to time.
Share 13.00% p.a. with quarterly rest or as revised from time to time
Loan Processing Fees:
Tk. 500/-
Penal Interest:
Additional 2.00% p.a on the over due amount
Required Documents:
Trade License
CIB report of the borrower
Memorandum and Articles of Association along with certificate of incorporation and resolution from Board of Directors of the company.
Deed of Partnership along with letter of partnership on Bank’s prescribed format (for partnership firm).
SME Banking
The growth of Small and Medium Enterprises (SMEs) in terms of size and number has multiple effect on the national economy, specifically on employment, GDP growth, and poverty alleviation in Bangladesh. IFIC Bank is also a partner of SME sector development of the country.
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