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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
Women Enterpreneur's Loan (Protyasha)
SME Liability Products
- Monthly Income Scheme - Arjon
- Monthly Savings Scheme - Joma
IFIC - Shilpo Sohay
IFIC Green Earth
Loan against 4% Interest Crops Cultivation
Working Capital Loan
Business Enterprises (other than public limited company) engaged in manufacturing/ trading business are eligible to avail Working Capital Loan to meet day to day expenses for processing of manufacturing and selling product.
Interest Rate
14.00% p.a. with quarterly rest or as revised from time to time.
Loan Processing Fees
Tk. 2000/-
Service Charge
@ 0.25% on Loan amount Min: Tk. 5,000/-
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 guarantors(s).
Valid Trade License
TIN certificate
Bank statement for last 6 (six) months
Financial statement.
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
CIB report of the borrower
Partnership Deed (in case of partnership firm)
Memorandum & Articles of Association with certificate of incorporation duly certified by RJSC (in case of private limited co.)
Certified copy of upto date list of directors duly certified by RJSC (Form XII).
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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