BRAC Bank’s Aagami Personal Loan

BRAC Bank’s ‘Aagami’ Personal Loan is meticulously crafted to support the pursuit of higher education dreams. Here are the key features of this innovative loan:

BRAC Bank’s Aagami Personal Loan Features

Loan AmountUp to 130% of the total tuition fee.
Example: If the tuition fee is BDT 800,000, the loan can be provided up to BDT 1,040,000 (130% of BDT 800,000).
Maximum Loan AmountBDT 20 lakhs.
Repayment Period5 years.
Phased DisbursementThe loan will be disbursed in phases.
Example: If the loan is divided into 8 equal phases, each phase’s disbursement amount will be BDT 100,000 (BDT 800,000/8).
Application FlexibilityApply during admission or at the beginning of any semester.
Convenient Repayment ScheduleAffordable installments and interest-saving at the beginning of the 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 and Fees

  • Interest Rate: Applied in accordance with 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.

Required Documents of Loan Applicant

  • 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.

To know more, visit the ‘Aagami’ Personal Loan.

FAQs for Future (আগামী) Personal Loan

1. Who is eligible to apply for a Future Personal Loan?

Parents or guardians of students studying at home or abroad for higher education can apply for this loan.

2. For which universities is this loan facility available?

This loan facility is available for all universities approved by UGC in Bangladesh and for universities abroad.

3. What benefits can I get if I take the Future Personal Loan for my child’s education?

  • Financing tuition fees and incidental expenses for university education.
  • Loan disbursement in multiple phases based on the semester with flexible repayment options.
  • Easy installment payments for the loan.

4. What is the maximum loan amount one can get with the Future Personal Loan?

You can avail a loan up to 130% of the student’s tuition fee, with the loan amount ranging from BDT 100,000 to BDT 20 lakhs.

5. How many phases can I apply for disbursement?

You can apply for disbursement in up to 12 phases.

6. What is the maximum loan tenure?

The loan can be repaid over a period of up to 5 years.

7. What is the minimum monthly income required to apply for the loan?

The minimum income required is BDT 20,000 (terms and conditions apply).

8. What documents are required for loan application?

  • Applicant’s and guarantor’s National ID photocopies.
  • 2 passport-sized photos of the applicant, 1 of the guarantor.
  • E-TIN/Income Tax Return copy (for loans above BDT 5 lakhs).
  • Visiting card (if available).
  • Appointment letter/pay slip/salary certificate.
  • Bank account statement.
  • Any other necessary documents.

9. What does “Phase Disbursement” mean? What are the rules for disbursement in multiple phases?

Phase disbursement refers to the disbursement of the approved loan in multiple stages after obtaining approval. In the case of the Future Loan, each phase’s duration can be 3/4/6/12 months, and all phases will have the same duration.

10. Can I apply for the loan while my child is currently studying?

Yes, you can apply for the loan during your child’s ongoing semester. In such cases, additional time will be provided for repayment after the last phase disbursement.

11. My child is currently studying abroad. How can I send the loan amount to them?

Through BRAC Bank’s Student File Service, you can send the required funds to your student abroad.

For further queries, please call our 24-hour call center at 16221 or email at

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