Product  Name :             NBL  Small Business Loan (NBL-SBL )

Purpose : 

1. To meet working capital requirement of the business.
2. To purchase business equipments/fixed assets/machineries for  existing business or  expansion of  the business.
3. For construction or renovation of the existing  factory building.

Target  Customers :  Any legitimate business under Cottage, Micro, Small& Medium entrepreneurs as per definition provided  by Bangladesh Bank.

Loan Amount :  BDT.50,000.00(Fifty Thousand)  to  BDT.1,00,00,000.00(One Crore). Upto BDT.20,00,000.00 (Twenty Lac) without  collateral security.

Repayment  Method : Monthly Installment .

Interest Rate(Floating) : Competitive Interest rate.

 Fees : As per Bangladesh Bank  instruction from  time to time.

Charges : As per Bangladesh Bank  instruction from  time to time.

Tenure : 

• 12-48 months (First time loan)
• 12-60 months[For repeat/top up(Enhancement)/take over loans].

Grace Period :  Grace Period Maximum 03 months.

Eligible Entrepreneur :

• Nationality : Bangladeshi by birth.
• Experience : Minimum 24 months  in the same business.
• Age Limit : Minimum 21 years and maximum 65 years (including the tenure of the facility).
• Trade License : Valid Trade License is required.

Product  Name :             NBL  Nari Jagaran Loan (NBL-NJL )

Purpose : 

1. To meet working capital requirement of the business.
2. To purchase business equipments/fixed assets/machineries for  existing business or  expansion of  the business.
3. For construction or renovation of the existing  factory building.

Target  Customers :  Any legitimate business under Cottage, Micro, Small  & Medium  women entrepreneurs  as per definition provided  by Bangladesh Bank.

Loan Amount : 

1.  BDT.1,00,000.00(One Lac)  to  BDT.1,00,00,000.00(One Crore). Upto BDT.10,00,000.00 (Ten Lac) without  collateral security.   (For Installment Loan).
2. BDT.1,00,000.00(One Lac) to BDT.1,00,00,000.00 (One Crore). NBL-Nari Jagaran  (Revolving Loan) with collateral security.  

Repayment  Method : Monthly Installment / Revolving.

Interest Rate(Floating) : Competitive Interest rate.

 Fees : As per Bangladesh Bank  instruction from  time to time.

Charges : As per Bangladesh Bank  instruction from  time to time.

Tenure : 

A) Fixed Asset Financing :

• 12-48 months (First time loan)
• 12-60 months[For repeat/top up(Enhancement)/take over loans].

B) Working Capital Financing (Term Loan) :

• 02(Two) years – 04(Four) years.

C) NBL Nari Jagaran (Revolving Loan) :

• Maximum 01(One) year.

Grace Period : NBL  Nari Jagaran( Installment Loan)

• Grace Period 03-06 months for Fixed Assets Financing.
• No grace period is allowable for Working Capital Financing.

Eligible Entrepreneur :

• Nationality : Bangladeshi by birth.
• Experience : Minimum 24 monthsin the same business.(Verified through copies of Trade License).
• Age Limit : Minimum 21 years and maximum 60 years (including the tenure of the facility).
• Trade License : Valid Trade License is required.

Ownership Pattern :

• Sole  proprietorship  of women entrepreneur.
• Partnership firm: The business must be majority(at least 51%)owned by women entrepreneurs.
• Limited Company: The business must be majority( at least 51% ) owned by women entrepreneurs.

Special  Facility : 100% Refinance from Bangladesh Bank (Subject to availability  from BB).

Product  Name :              NBL  Trinamul Uddog Loan (NBL-TUL )

Purpose : 

1. To participate in financial  inclusion activities of the Government.
2. To extend financial  support to the marginal people such as micro/marginal/landless farmers, disable people, low income earning micro businessmen, people directly/indirectly affected by natural disasters, climate change and recently by COVID-19.
3.  To meet working capital requirement of the business.

Target  Customers :        Any legitimate business as  per definition provided by Bangladesh Bank having

• 10/50/100 Tk.  Bank Account.
• Small / Micro Entrepreneur  & service holder .
• Physically challenged person & women entrepreneur.
• Under privileged  and  poor school banking A/c holder.
• School banking A/c holder - purchasing education materials for higher  study.
• People directly/indirectly affected by natural disasters or climate change.

Loan Amount : NBL Trinamul Uddog Loan without  collateral security :

1. Maximum  BDT.5,00,000.00(Five Lac) for individual customer.
2. Maximum BDT.20,00,000.00(Twenty Lac) for group consist of 02 to 05 members  and  maximum BDT.4,00,000.00 (Four Lac) for each members.

Repayment  Method:     Monthly/Quarterly/Half Yearly Installment.

Interest Rate(Floating) : Competitive Interest rate.

 Fees : As per Bangladesh Bank  instruction from  time to time.

Charges :  As per Bangladesh Bank  instruction from  time to time.

Tenure :

1. 3.5 years  including maximum 06 months  grace period.
2. 03 Years without grace period.

Eligible Entrepreneur :  

i. Nationality : Bangladeshi by birth.

ii. Age Limit : Minimum 18 years and maximum 55 years (including the

tenure of the facility).

Special  Facility : 100% Refinance from Bangladesh Bank (Subject to availability  from BB).

Product  Name :              NBL  Festival Small Business Loan (NBL-FSBL )​

Purpose : 

1. To help genuine and small businessmen meet their temporary enhanced financial requirements in times of festival to cater to consumers demand.

2. To enhance confidence  of the small  businessmen  and induce  them to rely increasingly on banks’ finance.

3. To increase  income of small businessman.

4. To strengthen economic  activities and contribute to the socio-economic development of the country.

5. To diversify  banks lending  keeping  pace with the requirement of time.

Target  Customers : Any legitimate business under Cottage, Micro, Small  & Medium  entrepreneurs  as per definition provided  by Bangladesh Bank

Loan Amount : NBL  Festival Small Business Loan without Collateral Security :

BDT.1,00,000.00(One Lac)  to  BDT.3,00,000.00(Three Lac).

Tenure :     06(Six) month

Disbursement Method: Disbursement  should be  started  maximum 03(Three) months  before the date of  festival and shall have to be stopped 15 days before the festival.

 Repayment  Method : To be adjusted  by deposit  of sales  proceeds/from own sources. Entire liability  to be repaid  within 03 months  including  15 days after the end  of the festival.

Interest Rate(Floating) :  Competitive Interest rate.

Fees : As per Bangladesh Bank  instruction from  time to time.

Charges :  As per Bangladesh Bank  instruction from  time to time.

Eligible Entrepreneur :

• Nationality: Bangladeshi by birth.
• Experience : Minimum 05 years  in the same business.
• Trade License : Valid Trade License is required.
• Businessman who is not a seasonal  or festival time businessman.
• Businessman  who has no tangible collateral or any other  security to offer  against loan.

Product  Name :             NBL  Weavers  Loan (NBL-WL )

Product Category : 

1. NBL  Weavers Loan ( Installment Loan).
2. NBL Weavers Loan(Revolving Loan).
3. NBL Weavers Loan (Letter of Credit).

Purpose : 

1. To extend  financial support  to the weavers.

2. To meet working capital requirement of the business.

3. To purchase business equipments/fixed assets/machineries for

   existing business or expansion ofthe business.

4. For construction or renovation of the existing factory building.

5. Payment of import duty [NBL Weavers Loan (Revolving Loan)].

6. Import/ Local procurement of raw material for consumption in the business of the borrower.[NBL Weavers Loan(Letter of Credit)].

7. Import/Local procurement of machinery for industrial purpose. [ NBL Weavers Loan(Letter of Credit)].

Target  Customers :  All  Small Enterprises (SEs)  of urban/semi urban/rural areas in “Weaver” segment  who are  involved in  manufacturing / producing of Lungi, Shirt,Gamcha, Bed Sheet , Bed Cover, Draperies, Winter Wear, Summer Wear, Cloth etc.

Loan Amount : 

1. NBL Weavers Loan  without Collateral  Security : Maximum  BDT.2,00,000.00 (Two Lac).
2.  NBL Weavers Loan withCollateral Security : Above BDT.2,00,000.00(Two Lac) to BDT.50,00,000.00(Fifty Lac).

Repayment  Method : Monthly Installment/ Revolving / LC documents or bill to be retired in cash from customer’s  own source and/or from sanctioned loan account(if any) within the limit.

Interest Rate(Floating) : Competitive Interest rate.

 Fees : As per Bangladesh Bank  instruction from  time to time.

Charges : As per Bangladesh Bank  instruction from  time to time.

Tenure : 

1. Installment Loan :

• Fixed Asset Financing : Maximum 05(Five) Years.
• Working Capital Financing :  Maximum 03(Three) Years.

2. Revolving Loan :

• 01 (One ) Year.

3. Letter of Credit :

• At sight (validity max.) one year,  If  import subject to GFET, import policy etc.

Charges :  As per Bangladesh Bank  instruction from  time to time.

Eligible Entrepreneur :

• Nationality : Bangladeshi by birth.
• Experience : Minimum 02(Two) years  in the same or relevant   business(Verified through  copies of  Trade License).

  • Age Limit : Age Limit : Minimum 21 years and maximum 60 years at the time of application.

  • Maximum 60 years at the time of application can be relaxed up to 65 years if clear successor’s age is below 55 years with active participation in the business.

• Trade License : Valid Trade License is required.

Product  Name : NBL  Nobo Uddog  Loan (NBL-NUL )

Purpose :

1. To expand of income generating  activities  by financing  new entrepreneurs.
2. To build up  economic activities of our country.

Target  Customers : Any legitimate business under Cottage, Micro, Small  & Medium enterprise engage in  Manufacturing and Service  sector  as per circular provided  by Bangladesh Bank.

Loan Amount  :  

1. Maximum  BDT.10,00,000.00  (Ten Lac) without Collateral Security.
2. Maximum BDT.25,00,000.00(Twenty Five Lac) with Collateral Security.

Repayment  Method : Monthly Installment/ Revolving .

Interest Rate(Floating): Competitive Interest rate.

Fees : As per Bangladesh Bank  instruction from  time to time.

 Charges :  As per Bangladesh Bank  instruction from  time to time.

Tenure :  

1. Term Loan Criteria : 03(Three) to 05(Five) years.
2. Working Capital Criteria: Non Renewable. Maximum 01(One)year for working capital.The facility will be fully adjusted and the client may apply for new sanction.

Grace Period : 03(Three) to 06(Six) months.

Eligible Entrepreneur : 

• Nationality : Bangladeshi by birth.
• Age Limit : Minimum 18 years and maximum 45 years.
• Trade License : Valid Trade License is required.
• Should have adequate technical/vocational education and/or skills about the proposed business.
• The entrepreneur has to be engaged with the business full time.
• Entrepreneur has to complete the Entrepreneurship development, business management , marketing or any technical subject (Product development, processing , repairing machineries etc.) and obtained certificate from any Government/non-government Entrepreneurship Development Institute (Like SME Foundation, Juba Unnaon Odhidoptor, Mohila Bishoyok Odhidoptor, BISICS, DCCI, IIDEB, BWCCI,NASIB) accredited by Bangladesh Bank.

Note : Accreditation :Entrepreneurship  development  institution should be accredited by SME and Special  Programmes Department of  Bangladesh Bank.

Special  Facility :  100% Refinance from Bangladesh Bank (Subject to availability  from  BB).