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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
Transport Loan
To purchase of Road/Water transport for commercial use individual, business enterprises (other than public limited company) engaged in transport business at least two years experience are eligible for transport loan.
Interest Rate
14.75% to 15.50% p.a. with quarterly rest or as revised from time to time.
Loan Processing Fees
1.00% on loan amount maximum Tk. 10,000/-
Service Charge
@ 0.50% on Loan amount
Penal Interest
Additional 2.00% p.a on the overdue amount, if any.
Required Documents
1 (one) copy passport size photograph of intending borrower(s) as well as guarantor(s)
Valid Trade License
TIN certificate
Bank statement for last 6 (six) months
Submission of Financial statement
Quotation of vehicle accepted by the intending borrower
Original Title Deed of the property
Bia Deed
CA, SA, RS & Hal parcha
Mutation with DCR
Upto date rent receipt
Municipal Tax Receipt
Non-encumbrance certificate
No objection/permission from competent authority for mortgage of property(ies) where required
CIB report on the borrower
Partnership deed (in case of partnership firm) registered with RJSC & Firm along with letter of partnership on Bank's prescribed format
Memorandum & Articles of Association along with certificate of incorporation duly certified by RJSC and resolution from the Board of Directors (in case of private limited company).
Copy of upto date list of directors (Form XII) certified by RJSC
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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