MTB Krishi: Empowering Agriculture

MTB Krishi is tailored to provide direct financing to eligible farmers, focusing on key sectors such as crop cultivation, fisheries, livestock, and poultry.

Key Features:

• Loan Amount: Farmers can avail loans of up to BDT 3 crore.
• Loan Tenure: Repayment periods extend up to 5 years.
• Collateral-Free Option: Loans up to BDT 5 lac are available without the need for collateral, easing the borrowing process for farmers.

MTB Krishi is your partner in cultivating growth in the agriculture sector.

Essential Documents Required for Applying for CMSME Loans

Basic Documents for SME Loan Applications:

1. A formal application letter in Bengali.
2. Updated and current trade license.
3. TIN (Tax Identification Number) Certificate.
4. Net worth statement or IT-10 B form.
5. VAT (Value Added Tax) Certificate, if applicable to your business.
6. Any other necessary regulatory certificates relevant to your business type.
7. Copies of National ID cards for both the client and the guarantor.
8. CIB (Credit Information Bureau) Undertaking.
9. Financial statements, including the previous year, current year, and projected statements for the following year.
10. Bank statements, if applicable.

These documents are fundamental for the application process for CMSME loans, ensuring a smooth and efficient evaluation of your loan request.

“If you have an alternative option, it may be best to avoid applying for loan quotes.”

Pre-application verification checklist in bullet points

• Eligibility: Confirm that you meet the loan’s eligibility criteria.
• Required Documents: Prepare all necessary documents as specified in the loan application requirements.
• Credit Score: Check your credit score and credit history.
• Loan Amount: Determine the exact loan amount within minimum and maximum limits.
• Interest Rate: Understand the associated interest rate and calculate potential EMIs.
• Loan Tenure: Decide the repayment period based on your financial capability.
• Loan Purpose: Clearly define how you’ll use the loan.
• Repayment Plan: Develop a plan that aligns with loan terms and your finances.
• Budget: Create a comprehensive budget that incorporates loan repayments.
• Alternative Options: Explore other loan options or assistance programs.
• Application Form: Accurately fill out the loan application form with all required details.

Following these steps will ensure you’re well-prepared for a successful loan application.

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