Aamar Subornogram

Aamar Subornogram

Product Introduction:

IFIC Aamar Subornogram cater to a wide range of businesses for cottage industries, micro-enterprises, small and medium-sized enterprises by providing financial assistance for working capital, Fixed asset acquisition, business expansion, renovation, business development, enhance productivity, competitiveness, and innovation.

Re-finance and Pre-finance facility available upon eligibility and availability


  • Specifically designed to bolster the CMSME (Cottage, Micro, Small, and Medium Enterprises) sector.
  • Providing financial assistance for CMSME Sector
  • Empowers CMSME Sector to expand operations, create jobs, boost domestic production.
  • Contribute to the overall economic growth of the country.

Customer Segment:

  • Cottage, Micro, Small and Medium sized business enterprise/industry involved in Trading/Manufacturing/Service business.

Customer Type:

  • Enterprises/Industry (With Trade license)


  • To meet financial requirements for Fixed assets purchase / Working capital requirement/ Business Extension/ Decoration/ Renovation/ Business development (Start Up/Existing)/Building inventory for business/ Requirement against work order.

Nature of Loan:

  • Term Loan
  • Overdraft (For Working Capital)
  • Demand Loan (Revolving/One off)


For Business development (Start Up):

  • Term Loan



  • Enterprise should be cottage, micro, small or medium size Trading/Manufacturing/Service concern.
  • Enterprise must have valid Trade License.
  • At least 2 Years' experience in same profession/business/income generating activity in the locality.
  • Must be a resident in local area for at least 01 Years or Having Ownership deed/Possession/Rental Agreement (5 year) of working premises.
  • In case of new entrepreneur successful training completion certificate is required from Govt. institute or competent authority approved private training institute on Entrepreneurship Development, Business Direction, Marketing and other vocational training like production, processing, and mechanics for startup business development.


  • Minimum age 18 (Eighteen) years
  • Maximum age 60 (Sixty) years
  • For Business development (Start Up) purpose:
  • Minimum age 21 (Twenty-one) years
  • Maximum age 45 (Forty-Five) years

Loan Amount:

Without Collateral:

  • Minimum: Above BDT 5 Lakh
  • Maximum BDT 25 Lakh


With Collateral:

  • Minimum: Above BDT 5 Lakh
  • Maximum: 70% Collateral Security. In case Financial Instrument 90% of the Financial Instrument.


Loan Tenor:

  • 1 to 5 Years

Loan Repayment Method:

  • Term Loan:
    • By equal monthly installments.
    • For Business development (Start Up): Quarterly/Half yearly.
  • Overdraft: Lump sum with interest within maturity.
  • Demand Loan (One off/Revolving): At one go with interest at maturity or in Lump sum within expiry of loan.



Eligible collateral:


  • Land, Registered or under constructed Flat or Building, Financial Instrument


Interest Rate:


  • Please contact us for query (16255)/ 09666716255 or visit any Branch/Uposhkaha of IFIC Bank PLC.


Required Documents:


General Documents:


  • 2 (Two) copies passport size attested photograph of borrower/ Partners/ Directors as well as guarantor(s).
  • Copy of NID of both borrower & guarantor (Where applicable)


Note: In case of unavailability of NID of borrower:


Copy of Passport/Birth Certificate with additional photo ID/Driving license (Verified by original copy) may be obtained instead of NID.


  • Valid Trade License for Enterprise/Industry
  • Net Worth Statement of the borrower & guarantor.
  • Bank statement for last 12(twelve) months (if available).
  • Up to date clean CIB report
  • Proof of Permanent Residency (Holding Tax, Rent Paid Receipt, Utility bill copy, NID, TIN or other ancillaries)
  • Updated tenancy/rental deed if the borrowing concern/its godown situated at rented premises (if any)
  • Periodical Stock Report (if any)
  • Enterprise/Company documents:


For proprietorship:

  • No additional documents required.

For Partnership Firm:

  • Registered Partnership Deed (with RJSC/RJSF) along with certificate of partnership Firm
  • Up to date list of partners

For Private limited Company:


  • Memorandum and articles of association (Certified by RJSC) with certificate of incorporation.
  • Certified copy of up-to-date list [personal profile of directors (Form XII & Schedule X)
  • Board resolution to borrow fund including completion of documentation formalities in accordance with Memorandum & Articles of Association.
  • Letter of Guarantee of the Directors
  • Undertaking stating that the borrower shall not make any amendment or alteration in memorandum and Article of Association without prior approval of Bank.
  • Approval of the Bank for any inclusion or exclusion of the Directors in and from the Company.