UBPLC Staff Credit - Personal Loan

This loan product is introduced for the employees of the Bank.

Customer Segment :

A permanent / Contractual employee of the bank who has completed 2 years of service including probation period with remaining 2 year of unexpired period of service (excluding LPR period) will only be eligible to apply for the loan under this scheme.

Purpose :

Miscellaneous personal financial requirements. The customer has to declare the purpose of the loan but submission of supporting document is not mandatory. Purposes may be as follows:

- House Renovation
- Marriages in the family
- Hospitalization or other emergency medical needs
- Trips abroad
- Purchase of miscellaneous household appliances
- Purchase of Personal Computers
- Purchase of refrigerators
- Purchase of audio-video equipment
- Purchase of furniture
- Others

Age :

Minimum age 20 years at the time of application, Maximum age at loan maturity up to the tenure of the service.

Minimum Yearly Income (Net) :

At least two times of the total yearly instalments amount of applied loan.

Loan Size :

Minimum: BDT 25000.00 (Taka twenty five thousand)

Maximum loan to be allowed under the scheme is as follows:

Employee Category	Maximum Loan Amount
Up to Senior Officer	Tk.8.00 lac (Taka eight lac) only.
Principal Officer and Senior Principal Officer	Tk.12.00 lac (Taka Twelve lac) only.
Assistant General Manager & Deputy General Manager	Tk.15.00 lac (Taka fifteen lac) only.
General Manager & above	Tk.20.00 lac (Taka twenty lac) only.

First Repayment date :

Repayment will be started from the following month of disbursement.

Security/Collateral :

Lien of Service benefit and Salary up to the amount of loan installment.

Loan Tenor :

Minimum: 12 months, Maximum: 60 months

Repayment Method :

Equal Monthly Instalments

Disbursement Mode :

By making credit to Savings account.

Debt Burden Ratio (DBR%) :

50% of Net Yearly Income

Charges :

Loan Processing Fee : Nil
Penal Charges : Nil

Required Documents :

Salary Certificate.
Provident Fund Statement/Certificate.

Availability Period :

Maximum 03(three) months from the date of sanction advice.

Prepayment :

Loan to be prepaid without breakage cost at any time.

Other Terms & Conditions :

An employee is eligible for availing this loan maximum 1(one) time in a year i,e one cannot apply for loan before completion of 1 year of his existing loan.
No charges to be taken from the employee of the bank other than the legal / documentation cost (at actual).
If any employee has liability against existing UBLStaff Loan – Consumer Credit, he/she will have to adjust the same before availing this facility.

* Note: UBL Staff Loan – Consumer Credit to be discontinued but the loan code will remain active till full adjustment of existing outstanding.

This is for information and meticulous compliance of all concerned of the Bank which will come into force with immediate effect.

Exchange Rates

Mon, Jun 08, 2026 07:25 AM

Currency	Buying	Selling
USD	120.20	122.22
EUR	110.20	112.50

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