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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
Project Loan
Business Enterprises (other than public limited company) engaged in manufacturing/ service industry can avail Project Loan to set up /BMRE of manufacturing /service unit.
Interest Rate
14.50% p.a. with quarterly rest or as revised from time to time.
Loan Processing Fees
0.10% on loan amount, Max. Tk. 5,000/-.
Service Charge
0.25% on loan amount, Min. Tk. 5000/-
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
Permission from BOI (if applicable)
TIN certificate
Bank statement for last 6 (six) months (if any)
Partnership deed (in case of partnership firm)
Memorandum & Articles of Association with certificate of incorporation duly certified by RJSC (in case of limited company
Certified copy of upto date list of directors (Form XII)
Financial statement.
Project Feasibility Report for new project as well as BMRE of existing project.
Quotation/ Pro-forma invoice of Machinery
Machinery list with layout plan for installation.
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
Approved plan for construction of building from the competent authority & estimate of cost of construction( in case of land owned by the project)
Survey Report of the fixed assets of the project or other collateral security.
Lease agreement (in case of rented premises) Form XVIII/IXX for creation of charges with RJSC.
Copy of membership of appropriate association.
CIB report of the borrower
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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