Conventional
Consumer Credit – Personal Loan
Uttara Bank PLC
13.50% to 14.50% interest rate a year
Uttara Bank PLC doesn't publish this loan's rate. This is the range it reported to Bangladesh Bank for consumer credit. Ask the bank which rate you'd get.
Key facts
- Interest rate
- 13.50% to 14.50%
- Processing fee
- Not listed by the bank
- Loan amount
- ৳ 25,000 to ৳ 10,00,000
- Tenure
- 12 months to 5 years
Who can apply
- Who can apply
- Salaried
- Age
- 25 to 65 years
- Maximum age 65 years at the end of the loan tenor.
- Confirmed employee of Government/Semi-Government/Autonomous Bodies/Banks/NBFIs or a reputed organization.
- Must maintain a salary account with the Bank.
- Must live in a city/town where the Bank operates.
- Must have resided at the same address for at least 6 months.
- Net yearly income must be at least three times the total yearly loan instalments.
- Maximum debt burden ratio: 33% of net monthly income.
- Salary and terminal benefits assignment undertaking or guarantee from employer/person one rank higher than applicant or equivalent.
- Personal guarantee of spouse/parents.
- Personal, address and employment details are subject to physical verification.
- Loan cannot be used to adjust another loan or for unlawful purposes.
- Cannot simultaneously avail Consumer Credit – Household Durables and Consumer Credit – Personal Loan.
Documents you need
- Recent passport-size colour photographs of applicants and guarantors.
- NID/Passport/Driving License copies of applicants and guarantors.
- Latest utility bill copy.
- Office IDs of applicants and guarantors, if any.
- Latest Tax Certificate, if any.
- Personal Net Worth Statements of applicants and guarantors.
- Bank statement for the last 12 months.
- Employer Certificate copy.
- Letter of introduction from employer.
- Salary and terminal benefits assignment undertaking or employer/higher-rank/equivalent guarantee.
- Personal guarantee of spouse/parents.
- Complete loan documents.
- Post-dated cheques for all instalments.
- One undated blank cheque to cover future default.
- Salary Certificate/Salary Slip, as appropriate.
- Income Tax returns of the last period, as appropriate.
- Other proof of income, as appropriate.
From the bank's own list. The bank may ask for more.
Full termsPRO
Every fee, repayment rule, security and document Uttara Bank PLC publishes for this loan: stamp, valuation and CIB charges, the fee to settle early, grace period, takeover and more.
Get Pro to see themChecked against Bangladesh Bank
The rate shown is Uttara Bank PLC's own announcement to Bangladesh Bank for October 2026. It updates when Bangladesh Bank publishes a new chart.
Source: Bank website. Last checked 16 October 2026.
Banks can change rates at any time. Confirm with the bank before you sign.