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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
Contractor's Loan
Individual, business enterprises (other than public limited company) engaged in construction and supply business are eligible for secured over draft to execute work order awarded by Govt./Semi Govt. & Autonomous Bodies.
Interest Rate
15.50% p.a. with quarterly rest or as revised from time to time.
Loan Processing Fees
Tk. 2000/-
Service Charge
0.25% on loan amount
Penal Interest
Additional 2.00% p.a on the overdue amount.
Required Documents
1(one) copy passport size photograph of intending borrower(s) as well as guarantors(s).
Valid Trade License
Copy of valid enlistment certificate
Bank statement for last 6 (six) months
Financial statement
TIN certificate
CIB report of the borrower
Partnership deed registered with RJSC & Firm
Letter of partnership in Bank's prescribed format
Memorandum & Articles of Association with certificate of incorporation duly certified by RJSC
Copy of work order awarded with copy of terms of agreement
Original title deed
Bia deed
CS, SA, RS & Hal Parcha
Mutation with DCR
Upto date rent receipt
Site Map/Municipal tax receipt
Non-encumbrance certificate
NOC from concerned authority for creation mortgage where applicable
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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