Rajshahi Krishi Unnayan Bank Personal Loan - Features, Fee & Requirements | Banking BD

Product Overview

Rajshahi Krishi Unnayan Bank Personal Loan offers instant, 100% unsecured term financing up to ৳20 Lakh for medical expenses, wedding costs, home renovation, travel, higher education, or personal purchases. Repay comfortably through equal monthly installments (EMI) over 1 to 5 years with no physical collateral required.

Key Features & Benefits

• 100% Unsecured term loan — No physical collateral or cash security required:
• Loan quantum from ৳50,000 up to ৳20,00,000:
• Flexible repayment tenures from 12 months (1 year) up to 60 months (5 years):
• Competitive interest rates starting from 8.5% to 11.5% p.a. (Bangladesh Bank SMART framework):
• Equal Monthly Installments (EMI) structured for simple budget management:
• Fast loan processing with approval turnaround within 3 to 5 business days:
• Balance transfer / takeover facility with lower EMI options available:

Special Perks & Privileges

• Special interest rate discounts for payroll/salary account holders of the bank
• Life insurance coverage for loan settlement in case of unexpected disability or death

Product Specifications & Fee Schedule

Eligibility Criteria

• Age: 21 to 60 years at loan maturity
• Minimum monthly income: ৳25,000 for salaried employees; ৳40,000 for self-employed professionals; ৳50,000 for businesspersons
• Employment stability: Minimum 6 months with current employer / 2 years in business
• Clean CIB track record from Bangladesh Bank

Required Documents

• Completed Personal Loan Application Form
• National ID (NID) / Smart Card copy of applicant and guarantor
• e-TIN certificate copy and latest tax return acknowledgment receipt
• Recent passport-sized color photos of applicant (2 copies) and guarantor (1 copy)
• Active bank statement for the last 6 to 12 months
• Salary Certificate / Pay Slip and Office ID card (for salaried applicants)
• Valid Trade License and business bank statement for last 12 months (for business applicants)