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SME BANKING
Easy Commercial Loan
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SME Liability Products
- Monthly Income Scheme - Arjon
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IFIC - PRANTONARI
IFIC - KRISHI SHILPO
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IFIC Green Earth
Loan against 4% Interest Crops Cultivation
IFIC- PROTYASHA
Loan for Women Entrepreneurs
Any business purpose loan for business Enterprises (other than Public Limited Company) incorporated in Bangladesh own and run by women entrepreneurs (at least 51% share of a business hold by women), engaged in manufacturing/ trading/ service business having minimum 2(two) years successful business experience in the same line of business.
Eligibility
Woman entrepreneurs having two years experience in the same line of business.
Monthly cash flow to support proposed loan repayment.
Nature of the Loan
Term Loan, Over Draft & Demand Loan.
Loan Size
Upto Tk.25,00,000/- collateral free *
Above Tk.25,00,000/- to upto Tk.50,00,000/- with collateral.
(Note: OD allowed for the limit over Tk.25,00,000/-)
Loan Period
Maximum 60 (sixty) months for Term Loan.
Maximum 12 (twelve) months for OD.
03 (three) months to 06 (six) months on the basis of business nature for Demand Loan.
Grace Period
03 (three) months to 06 (six) months on the basis of business nature.
Interest Rate
@10% p.a. with quarterly rest, if refinance available from Bangladesh Bank or
Interest rate as set by bank from time to time if refinance is not available from Bangladesh Bank.
Penal Interest
Additional 2% on the overdue/ excess over limit amount, if any.
Repayment
By equal monthly installments effective from completion of grace period for Term Loan.
OD & Demand Loan to be adjusted within the validity.
*Conditions apply.
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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