ACHIEVE

Be it your dream gadgets, wedding, medical attention or whatever the requirement might be, BRAC Bank Personal Loan available at your side as always An unsecured loan up to BDT 20 Lac exclusively designed lust to cater your personal is needs.

Interest Rate and Fees

• Interest Rate: The Interest Rate is variable and linked to SMART (Six-month moving Average Rate of Treasury bill, a reference rate published by Bangladesh Bank) + Maximum 3.00% Margin. Based on SMART, we will review the interest rate every six (06) months on the loan disbursement date, keeping the margin fixed throughout the loan tenure. The interest rate will be applied in accordance with the Bangladesh Bank's interest rate guideline and the prevailing BRAC Bank interest rate.
• Processing Fee: Up to 0.50% of the loan amount.
• Supervision Charge: 1% annually.
• Other fees and charges – Applicable in accordance with the retail loan Schedule of Charges.
Schedule of Charges

• A Personal Loan facility for any consumer needs
• Loan amount BDT 01 Lac to BDT 20 Lacs
• No collateral or cash securities
• Flexible repayment Equal Monthly Installments (EMIs) over a period of 12 months to 60 months*

• Minimum age 25 years
• Maximum age 65 years

• Salaried: Confirmed Employee having minimum total work experience of 1 year
• Businessman: Minimum 3 years of Business experience in same business

• BDT 25000 (per Month) *

• Photocopy of NID of loan applicant and guarantor
• One passport size photograph of loan applicant and guarantor
• Letter of Introduction
• Visiting Card / Office ID copy of both loan applicant and guarantor (if applicable)
• Last 6 months' Bank Statement
• Latest Tax Clearance Certificate/Latest Tax Return Receipt for loan amount above BDT 5 Lac

• Photocopy of NID of loan applicant and guarantor
• One passport size photograph of loan applicant and guarantor
• Photocopy of Membership Card/Professional Certificate
• Visiting Card of both loan applicant and guarantor (if applicable)
• Last 12 months' Bank Statement
• Latest Tax Clearance Certificate/Latest Tax Return Receipt for loan amount above BDT 5 Lac
• Up to date Trade License of last 5 years (if applicable)
• Registered Partnership Deed for partnership concern (if applicable)
• MOA & Certificate of Incorporation for limited company (if applicable)

• Terms and Conditions of Personal Loan

Please Call our 24 Hours Call center 16221

Teaching is an eminent profession. Teachers have an essential role in the development of good citizens. As a token of appreciation, BRAC Bank is offering a 'Dishari' loan to help Bangladeshi teachers with their financial needs—this first-of-its-kind loan product is solely available to teachers.

• It is an unsecured personal loan for teachers working in government, non-government, and MPO-listed schools and colleges; it also applies to teachers from BRAC Bank-listed universities and teachers from English Medium Schools.
• The maximum loan amount is BDT 20 lacs, repayable in up to 5 years.
• Verified cash salary and tuition income will be considered along with salary income.

• Age minimum 18 years and maximum 65 years*
• The minimum monthly income requirement is only BDT 17000*.
• Minimum total work experience of 6 Months.

• Interest Rate:The Interest Rate is variable and linked to SMART (Six-month moving Average Rate of Treasury bill, a reference rate published by Bangladesh Bank) + Maximum 3.00% Margin. Based on SMART, we will review the interest rate every six (06) months on the loan disbursement date, keeping the margin fixed throughout the loan tenure. The interest rate will be applied in accordance with the Bangladesh Bank's interest rate guideline and the prevailing BRAC Bank interest rate.
• Processing Fee : Up to 0.50% of the loan amount
• Supervision Charge: 1% annually
• Other fees: Applicable following the retail loan Schedule of Charges
Schedule of Charges.

• Photocopy of NID of loan applicant and guarantor
• One passport-size photograph of the loan applicant and guarantor
• Latest Tax Clearance Certificate/Latest Tax Return Receipt
• Proof of Employment, i.e., Letter of Introduction with Employment or Appointment Letter
• Pay slip/salary statement and, or cash voucher for the last 6 months
• Visiting Card / Office ID copy of both loan applicant and guarantor (if applicable)
• Utility bill copy as required 
• A declaration mentioning the approval for private tuition, if applicable

*The criteria mentioned above are subject to the BRAC Bank Product Policy Guideline

• Terms and Conditions of Personal Loan

Please call our 24-hour call center at 16221 or e-mail us at [email protected]

BRAC BANK ‘আগামী’ Personal Loan is designed to pursue higher education dreams.

• Loan amount is up to 130% of the total tuition fee;
  e.g. If the tuition fee is BDT 800,000, an amount of up to BDT 1,040,000 (130% of BDT 800,000) loan can be provided.
• Maximum loan amount is BDT 20 lakhs;
• Repayable in 5 years;
• Loan will be disbursed in phases;
  e.g. If someone is asking to divide the loan into 8 equal phases, the loan disbursement amount of each phase will be BDT 100,000 (BDT 800,000/8).
• You can apply for a loan during admission or at the beginning of any semester;
• Convenient repayment schedule: Affordable instalments and interest-saving at the beginning of loan tenure.

• Parents and legal guardians of any legal professions can apply for their children’s university education;
• Minimum monthly income requirement is BDT 20,000 only.

• Interest Rate :: The Interest Rate is variable and linked to SMART (Six-month moving Average Rate of Treasury bill, a reference rate published by Bangladesh Bank) + Maximum 3.00% Margin. Based on SMART, we will review the interest rate every six (06) months on the loan disbursement date, keeping the margin fixed throughout the loan tenure. The interest rate will be applied in accordance with the Bangladesh Bank's interest rate guideline and the prevailing BRAC Bank interest rate.
• Processing Fee : Up to 0.50% of the loan amount.
• Supervision Charge: 1% annually.
• Other fees and charges – Applicable in accordance with the retail loan Schedule of Charges.
Schedule of Charges.

• Photocopy of NID;
• E-TIN certificate;
• Two passport size photographs;
• Proof of employment and income;
• Bank statement (Last 6 months)
• Proof of other bank credit facilities such as loans and credit cards.

*Conditions Apply

To know more visit FAQ for আগামী Personal Loan

For further queries, please call our 24-hour call center 16221 or email us at [email protected]

BRAC Bank has launched the first ever end-to-end digital lending app ‘সুবিধা’ in Bangladesh. Customers can apply for loans using the Shubidha app from any convenient location, eliminating the need to travel to a branch or meet with bank staff. Customers using the app can benefit from two types of Personal Loan:

• Purpose- to meet emergency cash need;
• Loan Limit- BDT 10,000 to BDT 3 Lakhs;
• Tenure- 3, 6, 9, 12, 18, 24, 36 months;
• Disbursement Mode- Loan is disbursed in customer’s BRAC Bank account in up to two (02) phases;
• Eligibility: Salary accountholders of BRAC Bank.

• Purpose - to purchase desired products and services from BRAC Bank’s enlisted partner outlets;
• Loan Limit (Preapproved)- BDT 20,000 to BDT 3 Lakhs; 
• Tenure - 6, 9, 12, 15, 18 months;
• Financing limit- Up to 90% of the product value will be financed by BRAC Bank and that will be not more than the preapproved limit;
• Disbursement Mode– The product purchase price will be directly paid to the merchant account excluding the down payment made by the customer. Customers can buy multiple products with an approved loan limit from the same/different outlets;
• Eligibility: Only selected accountholders of BRAC Bank who fulfill the minimum criteria of Digital Loan. Eligible customers will get an offer SMS from BRAC Bank.

• Interest Rate: The Interest Rate is variable and linked to SMART (Six-month moving Average Rate of Treasury bill, a reference rate published by Bangladesh Bank) + Maximum 3.00% Margin. Based on SMART, we will review the interest rate every six (06) months on the loan disbursement date, keeping the margin fixed throughout the loan tenure. The interest rate will be applied in accordance with the Bangladesh Bank's interest rate guideline and the prevailing BRAC Bank interest rate.
• Supervision Charge:No Supervision Charge.
• Other fees and charges – Applicable in accordance with the retail loan Schedule of Charges.
Schedule of Charges.

• No need to visit bank branch or contact any bank representative;
• No need of supporting documents, guarantor and cheque for loan processing;
• Two (02) months’ loan approval validity.

Transcom
Digital

SE(F)5 Bir Uttam Mir Shawkat Ali Sarak, Gulshan 1, Dhaka-1212

Hatil
Furniture

1314 Monipur, Rokeya Sarani, Kazipara, Mirpur, Dhaka-1216

Gadget
& Gear

ANZ Huq Eleven Square, Plot# 01, Block# H, Ground Floor, Road# 11, Banani, Dhaka-1213

Butterfly

Amanullah Trade Center, Plot# 06 (old) New-26, Gulshan-02, Dhaka-1212.

Share Trip
Limited

Rangs Pearl Tower, 4th Floor, House# 76, Road# 12, Dhaka-1212

Go Zayaan
Limited

Level-5, House- 1/A, Road- 16/A, Gulshan- 1, Dhaka

*Conditions Apply

For further queries, please call our 24-hour call center at 16221 or email us at [email protected]

Whether you want to purchase a brand new car or a reconditioned one, BRAC Bank Auto Loan is built for maximum speed and efficiency. Get your dream car on the road in no time.

• Interest Rate:The Interest Rate is variable and linked to SMART (Six-month moving Average Rate of Treasury bill, a reference rate published by Bangladesh Bank) + Maximum 3.00% Margin. Based on SMART, we will review the interest rate every six (06) months on the loan disbursement date, keeping the margin fixed throughout the loan tenure. The interest rate will be applied in accordance with the Bangladesh Bank's interest rate guideline and the prevailing BRAC Bank interest rate.
• Processing Fee:Up to 0.50% of the loan amount or BDT 15,000 whichever is lower.
• Supervision Charge:1% annually.
• Other fees and charges – Applicable in accordance with the retail loan Schedule of Charges.
Schedule of Charges.

• Available for Salaried individuals, Business Persons, Self Employed & Landlord.
• Minimum Age: 25 Years & Maximum age: 65 years at the time of loan maturity
• Minimum Monthly Income: BDT 25,000 (for salaried); BDT 35,000 (for others)
• Length of service: Confirmed employment with total 1 year work experience
• Age of Business: Min 3 years

*Conditions Apply

• Up to 50% of quoted value of the car
• Maximum loan ceiling up to BDT 40 Lac*
• Tenure: 12 to 72 Months
• For brand new and reconditioned cars

• Latest one year's personal bank statement
• Photocopy of national ID
• One copy passport size photograph of the applicant
• One copy passport size photograph of guarantor
• Price quotation of the vehicle
• Business card / visiting card of the application
• Latest Tax clearance certificate /return receipt of tax*

• Letter of introduction stating salary, issued by the employee

• Copy of trade License
• Company's bank statement for last one year
• Memorandum of Articles for Limited Liability Company

• Professional Certificate issued by authorized institution

• Valid documents of the property
• Rent receipt/deed

• Terms and Conditions of Auto Loan

Please call our 24 hours call center 16221

Get Ready To

Travel The World

There is nothing better than escaping the hustle and bustle of everyday life to enjoy a getaway with your loved ones. If you have a date in mind for a trip, but still haven’t saved up enough, its time to make those dreams become a reality with a BRAC Bank Holiday Loan. Sink your feet into the sandy shores of Thailand or Jet off to visit friends and family abroad and make some lasting memories. Whatever the reason, it’s always a good time to travel.

We have arranged special discounts with leading tour operators of the country only for you. You can enjoy up to 50% discount on service fee & up to 15% discount on tour packages while availing our Holiday Loan.

• Starts from 10.50%*

• Loan amount BDT 01 Lac to BDT 10 Lac
• No collateral or cash securities
• Flexible repayment Equal Monthly Installments (EMIs) over a period of 12 months to 36 months*

• Minimum Age: 25 Years & Maximum age: 65 years
• Minimum Monthly Income: BDT 25,000

• Photocopy of NID of loan applicant and guarantor
• One passport size photograph of loan applicant and guarantor
• Letter of Introduction
• Visiting Card / Office ID copy of both loan applicant and guarantor (if applicable)
• Last 6 months' Bank Statement
• Latest Tax Clearance Certificate/Latest Tax Return Receipt for loan amount above BDT 5 Lac

• Photocopy of NID of loan applicant and guarantor
• One passport size photograph of loan applicant and guarantor
• Photocopy of Membership Card/Professional Certificate
• Visiting Card of both loan applicant and guarantor (if applicable)
• Last 12 months' Bank Statement
• Latest Tax Clearance Certificate/Latest Tax Return Receipt for loan amount above BDT 5 Lac
• Up to date Trade License of last 5 years (if applicable)
• Registered Partnership Deed for partnership concern (if applicable)
• MOA & Certificate of Incorporation for limited company (if applicable)

Please call our 24 hours call center 16221 or e-mail us at [email protected]