Table of contents

Uttaran Small Business Loan (USBL) 2

Nari Swanirbor Rin Prokalpo (NSRP) 3
Uttaran SME Sector Development Project Loan (USSDPL) 4
House Hold Durables 5
Uttaran House Repairing / Renovation Loan 6
House Finance for Freedom Fighters 7
Travel Loan 8
Marriage Loan 9
Working Capital Loan 10
Education Loan 11
Doctor’s Loan 12
Uttaran Home Loan 13
Car/Motorcycle Loan 14
Trade Finance 15
Green Financing 16
Agricultural Credit 17
Lease Finance 18
Fixed Term Loan to Enterprise 19
Loan for Foreign Employment 20
2

Uttaran Small Business Loan (USBL)

Purpose :
 To help the genuine businessmen having entrepreneurship, initiative, sincerity, honesty to
expand and run their business smoothly under Small Enterprise category.
 To enable a section of people having small capital to do business with the help of Bank Finance.
 To improve the banking habit of self employed persons of the society
 To contribute towards development of socio-economic condition of the country

Customer Eligibility :
 Must be a growing Business Concern.
 At Least 2 Years Business History.
 Must be a Current Account Holder of the Bank.
 Up dated clean CIB Report.

Required Documents:
 Valid Trade License.
 Up to date TIN Certificate.
 KYC
 Regulatory papers

Duration Of Loan: 1 years to 5 years .

Repayment : Equal Monthly Installment .

Interest Rate : Market Competitive

3

Nari Swanirbor Rin Prokalpo (NSRP)

Purpose: Economic development is closely related to the empowerment of Women. In Bangladesh
the number of Women –owned companies / firms continues to grow. For smooth credit flow for SE
women enterprise Uttara Bank Limited is dedicated in helping the genuine women entrepreneur having
sincerity , honesty and strong deliberation to improve the banking habit of self employed women
entrepreneurs to run any legitimate business smoothly with the help of bank finance by offering a
special business loan product named ‘Nari Swanirbor Rin Prakalpo'.

Customer Eligibility :
 Must be a growing Business Concern.
 At Least 2 Years Business History.
 Must be a Current Account Holder of the Bank.
 Up dated clean CIB Report.

Documents Required :
 Valid Trade License.
 Certificate from womens samity
 6 Months Bank Statement
 Rental Deed agreement of the shop/ godown
 KYC
 Regulatory papers

Duration Of the loan: 1 years to 3 years .

Interest Rate : Market Competitive

4

Uttaran SME Sector Development Project Loan (USSDPL)

Purpose:

 Fixed Assets, including Machinery & Equipment andFactory buildings and related civil works.
 Technical know how, Consultation Services & Training3) For RMG Sector – retrofitting, rebuilding
& relocation of the factory buildings.

Customer Eligibility :
 Must be a Business Concern.
 Must be a Current Account Holder of the Bank.
 Up dated clean CIB Report.

Repayment : Equal Monthly Installment .

Interest Rate : Market Competitive

Required Documents :
 Valid Trade License.
 Up to date TIN Certificate.
 KYC
 Regulatory papers

Duration Of Loan: 1 to 8years .

5

House Hold Durables

Purpose :To purchase Consumer Durables for personal/family use.

Maximum Loan Ceiling : Tk.3.00 Lac

Customer Eligibility :
 For salaried individual, minimum total service length of 3 years.
 For self employed individual, a business record of minimum 4 years.
 Age limit from 21 years to 65 Years.
 Adequate disposable income to pay the Loan installment..

Interest Rate : 14.00% per annum with quarterly rest. The rate of interest will remain fixed throught
the tenure of the Loan.

Basic Documents Requirements (not limited to) :

 Salary Certificate.
 Income Statements
 KYC
 National Identification Cards
 Bank Statement for last 6 months
 Loan Tenor :1 years to 3 years .
 Debt Equity Ratio : 70 : 30
6

Uttaran House Repairing / Renovation Loan

Purpose :
To help genuine House / Building/ Flat owners to undertake repairing, renovation works for better living
or increasing rental income

Si AREA Maximum Ceiling

n
o
1 Dhaka Metropolitan Area Tk.30.00 Lac
2 Chittagong Metropolitan area, Areas of Gazipur City Corporation, Tk.25.00 Lac
Pourashava areas of Savar & Narayanganj.
3 District Head Quarter (Other than Dhaka and Chittagong Metropolitan Tk.15.00 Lac
area)
4 All other places (Except areas of sl no.01,02 & 3)
Tk.7.50 Lac

Customer Eligibility :
 For salaried individual, must be confirmed employee.
 For self employed individual, a business record of minimum 2 years.
 Age limit from 25 years to 60 Years.
 Adequate disposable income to pay the Loan installment.

Repayment : Equal Monthly Installment .

Interest Rate : 12.00% per annum with quarterly rest. The rate of interest will remain fixed throught
the tenure of the Loan.

Basic Documents Requirements (not limited to) :

 Salary Certificate.
 Income Statements
 Up to date TIN Certificate.
 KYC
 National Identification Cards
 Bank Statement for last 6 months
 Loan Tenor :1 years to 8 years .
7

House Finance for Freedom Fighters

Purpose:
Provide Housing to the Freedom Fighters. Outright purchase of House/Flat or Construction/ Repairing
of Pucca/Semi-Pucca building for residential purpose

Customer Eligibility
 Must be a listed /Certified Freedom Fighter
 Age: Minimum age 58 years (Minimum age for limit for being Freedom Fighter is 13), -
Maximum age at loan maturity up to 65 years
 At least equal to the sum of yearly instalment
 Borrower must reside for at least 6 month in the same address
 Loan Size: Maximum Tk.5.00 Lac

Interest Rate:

10.00%  per annum with quarterly rest subject to change(s) that may be made by the bank from time to
time..

Duration Of time: 12 Months to 84 Months

Repayment method: Equal Monthly instalment (EMI). Loan to be adjusted from the monthly
allowance of the Freedom Fighter (Borrower)

Required Documents:
 Recent Passport size color photograph of the applicant (s) and guarantor (s).
 Photocopy of NID/Passport/Driving License of the applicant (s) and guarantor (s).
 Copy of Latest utility bill (Gas/Water/Electricity).
 Business Card/Office ID of applicant (s) and guarantor (s), if any.
 Latest Tax Certificate, if any.
 Personal Net Worth Statement of the applicant (s) and Guarantor (s) to assess the repayment
capacity.
 Bank Statement of last 12 months.
 Copy of Certificate of Freedom Fighter.
 Letter of Lien from the scheduled bank where the borrower draw his Freedom Fighters
allowance.
 Availability Period :Maximum 6 months from the date of sanction advice.
8

Travel Loan
Purpose: To meet the financial need for Travel purpose.(Local/Foreign)

Eligibility:
 Age:Minimum age 22 years ( At the time of application), Maximum age at loan maturity up to 60
years (At the end of Loan Tenor)
 Minimum Service/length: For permanent and confirmed salaried person, minimum three (3)
years experience with 1 year employment in present organization.
 Yearly income (Net BDT) should be At least three times of the total yearly installments amount
of applied loan

Loan Size: Minimum BDT 25000.00, Maximum amount of loan under this Scheme will be Tk.3.00 lac
(Taka Three Lac)

Duration of time: Minimum 12 months /24 months &/or maximum 36 months

Repayment method: Equal monthly installments

Documents Required:
 Recent Passport size photographs of applicant(s) and guarantor (s).
 Photocopy of NID/Passport of applicant (s) and guarantor (s)
 Latest Utility Bill (Gas/Water/Electricity) as a proof of present address of the borrower.
 Itinary of Travel/Visit with Budget.
 Office ID of applicant (s) and guarantor (s), if any.
 Latest Tax Certificate / E-TIN
 Personal Net Worth statements of applicant (s) and guarantor (s).
 Bank Statement of last 12 months for businessmen and 6 months for others.
 Rent or Lease agreement of house/property (if applicable)
 Salary Certificate / Letter of Introduction.
 Professional Certificate issued by the concerned Institution

Interest Rate: 15.00% per annum with quarterly rest. The rate of interest will remain fixed throught
the tenure of the Loan.
9

Marriage Loan

Purpose: To meet the financial need for Marriage purpose of self and/or his dependent
(Son/Daughter).

Eligibility:
 Age:Minimum age 25 years ( At the time of application), Maximum age at loan maturity up to 40
years for self and 60 years for dependent (Son/Daughter)
 Minimum Service/length: For permanent and confirmed salaried person, minimum three (3)
years experience with 1 year employment in present organization.
 Minimum Yearly income (Net BDT): At least three times of the total yearly installments amount
of applied loan
 Borrower must reside for at least 6 month in the same address.

Loan Size: Minimum Tk.25000.00, Maximum Tk.3.00 lac (Taka Three Lac)

Tenor: Minimum 12 months /24 months &/or maximum 36 months

Repayment method: Equal Monthly Instalment

Documents Requirement
 Recent Passport size photographs of applicant(s) and guarantor (s).
 Photocopy of NID/Passport of applicant (s) and guarantor (s)
 Latest Utility Bill (Gas/Water/Electricity)
 Details of expenditures with supporting papers..
 Business Card/Office ID of applicant (s) and guarantor (s), if any.
 Latest Tax Certificate / E-TIN
 Personal Net Worth statements of applicant (s) and guarantor (s).
 Bank Statement of last 6 months.
 Rent or Lease agreement of house/property (if applicable)

Interest Rate: 15.00% per annum with quarterly rest. The arte of interest will remain fixed throught the
tenure of the Loan.
10

Working Capital Loan

Purpose
Financing to the every operations of the company, Uttara Bank Limited provides working capital Loans in
different forms to the Enterprises with the following details :

Key Features :

1. Category / Loan type

2. Cash Credit (Hypo)
3. Cash Credit (Pledge)
4. O/D (General)

Customer Eligibility :
 Must be a growing Business Concern.
 At Least 2 Years Business History.
 Must be a Current Account Holder of the Bank.
 Up dated clean CIB Report.

Repayment : In lump sum from time to time, full adjustment within the validity.

Interest Rate : Market Competitive

Documents Required:
 Valid Trade License.
 Up to date TIN Certificate.
 KYC
 Regulatory papers
 Loan Tenor :1 (One) Year (Renewable)
 Margin : 50:50
11

Education Loan
Purpose: To meet the Educational Expenses of Self/ son/daughter or any other dependant.
(Local/Foreign)

Eligibility:
 Age: Minimum age 25 years ( At the time of application), Maximum age at loan maturity up to
60 years (At the end of Loan Tenor)
 For permanent and confirmed salaried person, minimum three (3) years experience with 1 year
employment in present organization
 Minimum Yearly income (Net BDT): At least three times of the total yearly installments amount
of applied loan
 Borrower must reside for at least 6 month in the same address

Loan Size: Maximum amount of loan under this Scheme will be Tk.3.00 lac (Taka Three Lac)

Tenor: Maximum 5 years

Repayment method: Equal Monthly Instalments

Documents Requirement
 Recent Passport size photographs of applicant(s) and guarantor (s).
 Photocopy of NID/Passport of applicant (s) and guarantor (s)
 Latest Utility Bill (Gas/Water/Electricity)
 Study plan with budget..
 Business Card/Office ID of applicant (s) and guarantor (s), if any.
 Latest Tax Certificate / E-TIN
 Personal Net Worth statements of applicant (s) and guarantor (s).
 Bank Statement of last 12 months for businessmen and 6 months for others.
 Rent or Lease agreement of house/property (if applicable)
 Salary Certificate / Letter of Introduction.
 Professional Certificate issued by the concerned Institution.

Interest Rate: 12.00% per annum with quarterly rest. The rate of interest will remain fixed throught
the tenure of the Loan.
12

Doctor’s Loan
Purpose: Setting up operation Theatre/Chamber (New/Expansion/Renovation/Modernization)
Purchase of Medical/Diagnostic/Office equipments

Eligibility:

 Age: Minimum age 25 years ( At the time of application) Maximum age at loan maturity up to 65
years (At the end of Loan Tenor)
 Minimum Service/Length of business: For salaried individual, must be Permanent & Confirmed
employees of any reputed hospital with minimum 2 years professional experience., For self
employed doctors, minimum 02 (two) years professional experience
 Minimum Yearly income (Net BDT): At least three times of the total yearly installments amount
of applied loan
 Borrower must reside for at least 6 month in the same address

Loan Size: Minimum BDT 1.00 Lac, Maximum amount of loan under this Scheme will be Tk.5.00 Lac
(Taka Five Lac)

Tenor: Minimum 1 year,Maximum 5 Years

Documents Requirement
 Recent Passport size photographs of applicant(s) and guarantor (s).
 Photocopy of NID/Passport of applicant (s) and guarantor (s)
 Latest Utility Bill (Gas/Water/Electricity)
 Price Quotation of items to be purchased with detailed budget
 Business Card/Office ID of applicant (s) and guarantor (s), if any.
 Latest Tax Certificate / E-TIN
 Personal Net Worth statements of applicant (s) and guarantor (s) to assess the repayment
capacity.
 Bank Statement of last 6 months.
 Attested photocopy of the certificate of the last degree and BMDC/BMA membership Certificate
 Rent or Lease agreement of house/property (if applicable)
 Salary Certificate / Letter of Introduction.
 Professional Certificate issued by the concerned Institution.
 Two years Bank transaction record.
 Proof of sufficient Income.

Interest Rate: 14.00% per annum with quarterly rest. The rate of interest will remain fixed throught the
tenure of the Loan.
13

Uttaran Home Loan

Purpose: To purchase a ready Flat/House for residential purpose in a residential /commercial area
having all amenities / facilities like water, electricity etc.

Customer Eligibility
 For permanent and confirmed salaried person, minimum three (3) years experience with 1 year
employment in present organization
 Age: Minimum 30 years (at the time of application), Maximum 65 years (at the end of loan
tenor)
 Yearly income should be At least three times of the total yearly installments amount of applied
loan
 Borrower must reside for at least 6 month in the same address.

Loan Size: Minimum BDT 5.00 Lac, Maximum BDT 75.00 Lac

Loan Tenor: Minimum 1 year, Maximum 15 years

Interest Rate: 12.00% per annum with quarterly rest. The rate of interest will remain fixed throught the
tenure of the Loan.

Required Documents
 Recent Passport size color photograph of the applicant (s) and guarantor (s)..
 Photocopy of NID/Passport/Driving License of the applicant (s) and guarantor (s)
 Copy of Latest utility bill (Gas/Water/Electricity)
 Business Card/Office ID of applicant (s) and guarantor (s), if any.
 Latest Tax Certificate, if any.
 Personal Net Worth Statement of the applicant (s) and Guarantor (s).
 Bank Statement of last 12 months.
 Bainama of the Flat/House to be purchased.
 Estimated cost of construction.

Other Legal documents of land/Flat

14

Car/Motorcycle Loan

Purpose:
 To Purchase a brand new or reconditioned Car for personal use only
 To Purchase a brand new Motorcycle for personal use only

Customer Eligibility:
 Minimum age 25 years ( At the time of application)
 Maximum age at loan maturity up to 60 years (At the end of Loan Tenor)
 For salaried individual, must be Permanent & Confirmed employees of a relevant firm with
minimum 3 years experience in the present organization
 For Businessmen, Business Record of minimum 2 years
 Yearly income should be At least three times of the total yearly installments amount of applied
loan.
 Borrower must reside for at least 6 month in the same addres

Loan Size: Maximum amount of loan under this Scheme will be Tk.10.00 lac (Taka Ten Lac) for Car and
Tk.1.00 Lac for Motorcycle.

Documents Required:
 Two Personal Guarantees with net worth declaration.
 Personal Guarantee of spouse/parent
 Post dated cheques for all installments
 One undated cheque covering total amount of all installments
 Tenor: Minimum 1 Year; Maximum 5 Years

Interest Rate: 15.00% per annum with quarterly rest. The rate of interest will remain fixed throught
the tenure of the Loan.

Documents Requirement for Businessmen :

 Copy of Up to date Trade License.
 Copy of Memorandum & Articles of Association.
 Certificate of Incorporation.
 Latest Form XII
 Registered Partnership Deed.
 Two years bank transaction record
15

Trade Finance
Purpose : Facilitating Import & Export of the Country

Customer Eligibility :
 Must be a Current Account Holder of the Bank as per norms
 Up dated clean CIB report of the party
 Running Business concern with satisfactory performance
 Valid Trade License, IRC & ERC
 Other documents as per bank’s norms.

Interest Rate : Market Competitive

16

Green Financing

Purpose :Uttara Bank Limited offers Green Financing forthe following purposes :
1. Solar Home System.
2. Solar Mini Grid.
3. Solar Irrigation Pumping System.
4. Solar Photo voltaic Assembly Plant.
5. Bio-Gas Plant.
6. Effluent Treatment Plant (ETP)
7. Traditional Chunchulli conversion to Modern Chunchulli
8. Vermicompost Production
9. Hydro Power Plant.
10. PET Bottle reprocessing Plant.
11. Solar Battery reprocessing Plant.
12. LED Bulb production
13. Hybrid Hoffman Kiln (HHK/Tunnel Kiln)

Customer Eligibility :
 Must be a Current Account/Saving Account Holder of the Bank.
 Up dated clean CIB Report.

Interest Rate : Market Competitive and subsidized as per govt. rule.

Basic Documents Requirements (not limited to) :

 Valid Trade License.
 National ID
 Up to date TIN Certificate.
 KYC
 Regulatory papers
 Loan Tenor :6 Monthsto 8 years .
17

Agricultural Credit
Purpose :Uttara Bank Limited offers Agri Credit forthe following purposes :
 Crop Production.
 Fish farming
 Animal Husbandry.
 Crop Storage.
 Poverty Alleviation.
 Irrigation Equipments Procurement.
 Agri Equipments Purchase
 Seed Production

Customer Eligibility :
 Must be genuine farmer.
 Must be a Current Account/Saving Account Holder of the Bank.
 Up dated clean CIB Report.

Interest Rate : 10% P.a./Market Competitive and subsidized rate as per govt. rule.

Basic Documents Requirements (not limited to) :

 Valid Trade License (if borrower is a firm).
 Certificate as Genuine Farmer
 National ID
 KYC
 Regulatory papers
 Loan Tenor :6 Months to 3 years.
 Personal guarantee of 2 guarantors acceptable to the Bank.
18

Lease Finance
Purpose: Leasing is a method of financing the acquisition of Capital Machinery, Equipments, Medical
Instruments, Automobiles etc. It involves a contractual relationship between the Leasor and the Leasee
in which the Leasor grants to a firm or person the use of asset’s services for a specific period of time,
usually for an agreed sum of rent, Leasing, therefore, enables a firm or an individual to avail the services
of machinery and equipments without making the investment. Our Bank deals in Finance Lease only.

Customer Eligibility :
 Must be a going Business Concern.
 At Least 2 Years Business History.
 Must be a Current Account Holder of the Bank.
 Up dated clean CIB Report.

Interest Rate : Market Competitive

Basic Documents Requirements (not limited to) :

 Valid Trade License.
 Up to date TIN Certificate.
 Regulatory papers
 Loan Tenor :1 years to 5 years .
 Debt Equity Ratio : 70 : 30
19

Fixed Term Loan to Enterprise

Purpose : Procurement of fixed assets

Customer Eligibility :
 Must be a going Business Concern.
 At Least 2 Years Business History.
 Must be a Current Account Holder of the Bank.
 Up dated clean CIB Report.

Interest Rate : Market Competitive

Required Documents:
 Valid Trade License.
 Up to date TIN Certificate.
 KYC
 Regulatory papers
 Loan Tenor :2 years to 8 years
20

Loan for Foreign Employment

Purpose: To meet the Financial Expenses for going abroad for employment purpose of son/daughter
or any other dependant.

Eligibility:
 Age: Minimum age 20 years ( At the time of application), Maximum age at loan maturity up to
45 years (At the end of Loan Tenor)
 Minimum Yearly income (Net BDT): Three times of the proposed limit ( to be calculated on the
basis of the contract with the foreign company)
 Borrower must reside for at least 6 month in the same address.

Loan Size: Minimum BDT 25000.00 (Taka Twenty Five Thousand) only. Maximum BDT 2.00 Lac (Taka
Two Lac)

Tenor: Minimum 1 year,Maximum 5 Years

Documents Requirement
 Recent Passport size photographs of applicant(s) and guarantor (s).
 Photocopy of NID/Passport of applicant (s) and guarantor (s)
 Latest Utility Bill (Gas/Water/Electricity)
 Business Card/Office ID of applicant (s) and guarantor (s), if any.
 Latest Tax Certificate / E-TIN
 Personal Net Worth statements of applicant (s) and guarantor (s).
 Copy of all academic & experience certificates
 Copy of Air Tickets with the confirmed date of journey as endorsed by the BMET
 Details of expenditure
 Copy of Visa and Labour Contract provided from the concerned office of consulate /high
commission / embassy.

Interest Rate: 12.00% per annum with quarterly rest. The rate of interest will remain fixed throught
the tenure of the Loan.