PBL Subarna Loan

Product Purpose:

The PBL Subarna loan is designed to fulfill working capital requirements.


  • Applicants must have a minimum of two years of experience in the relevant business line.
  • The business must be operational for at least one year.

Age Limit:

Minimum age requirement is 18 years.

Loan Ceiling:

Loan amounts range from Tk. 2.00 lakh to Tk. 10.00 lakh.

Financing Range:

60% to 70% of inventory and receivables can be financed.

Flexible repayment period from 12 to 36 months.

Rate of Interest:
Interest rate stands at 11.75% per annum, subject to change at the bank’s discretion.

Primary Security:

  • Post-dated cheques
  • Charge on current assets (receivables, stock, etc.)
  • Personal guarantees of proprietor, partners, directors, and spouse
  • Hypothecation of machinery, equipment, etc.
  • Personal guarantee of one person acceptable to the bank

Collateral (Not mandatory up to Tk. 10.00 lakh):

  • Mortgage (in case of ownership) / assignment of possession right of shop, showroom, etc.

PBL Subarna Loan Documents Required:

  • Request letter from the applicant
  • Consent letter
  • Know Your Customer (KYC) profile with National ID
  • Photographs of borrower, guarantor, and business site
  • Financial and personal net worth statements
  • Branch Manager’s and Regional Manager’s visit report

Equal monthly installments will commence 1, 2, or 3 months after disbursement.

Sanction Authority:
Regional Manager

Processing Fee:

  • Tk. 500.00 for limits below Tk. 6.00 lakh
  • Tk. 1000.00 for limits of Tk. 6.00 lakh to 10.00 lakh

Penal Interest:

  • Penal interest of 0.25% on defaulted amounts per month, not to exceed 3% per annum at any point.


For any queries, please contact us at:
Tel: (PABX) 02223381614
Fax: 880-2-9564009
Email: gsdd@pubalibankbd.com

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