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A personal loan is an unsecured form of credit that helps individuals meet personal needs like education, travel, or medical emergencies without needing any collateral. It is repaid through fixed monthly instalments over 1 to 5 years. In this article, we will explore the top 6 banks in Bangladesh offering personal loans and compare their features, eligibility, and benefits to guide you in choosing the best loan provider based on your needs. 6 Bangladeshi Banks to Consider for Personal Loans in 2025 Here we have reviewed the personal loan schemes of six selected banks in Bangladesh in 2025. The detailed information regarding the loans can be accessed from the official websites of respective banks.  Jamuna Bank When it comes to fulfilling personal needs—be it for marriage, travel, education, medical emergencies, or simply upgrading your lifestyle—Jamuna Bank’s Personal Loan stands out as a versatile and trustworthy solution.  Designed for a wide spectrum of borrowers, including salaried professionals, self-employed individuals, landlords, and businesspersons, this loan is available for any lawful purpose deemed acceptable by the bank. Applicants can secure financing from BDT 1 lakh up to BDT 20 lakh with repayment tenures extending up to 5 years. This provision offers flexibility to suit individual financial capacities.  Read more: How to Invest in Bonds: A Comprehensive Guide To be eligible, applicants must be aged between 21 and 60 and meet specific income thresholds starting from BDT 40,000 for salaried persons and going up to BDT 80,000 for businesspeople. Experience requirements vary by profession, ensuring responsible lending and borrower credibility.  Jamuna Bank requires standard documentation, including a national ID, proof of income, six months’ bank statements, and professional certifications. Loan repayment is easy and convenient through EMIs, which can be paid via bank transfer, cheques, MFS, or directly from a Jamuna Bank account. The bank also allows early settlements and partial payments, adding more flexibility for borrowers. With transparent terms, responsible lending, and a customer-friendly approach, Jamuna Bank remains a top-tier choice for personal loans in Bangladesh in 2025. Agrani Bank Agrani Bank PLC offers a highly dependable personal loan option tailored specifically for its salaried employees. This exclusive product is designed to help meet a variety of financial needs, such as home renovation, marriage, medical treatment, educational expenses, or lifestyle enhancements.  Read more: How to Buy Bangladesh Government Treasury Bond: Everything You Need to Know The bank offers loans up to BDT 20 lakh, with a maximum tenure of 5 years or until the end of the applicant’s service period, whichever comes first. The interest rate is fixed at 13.40%, providing predictable and manageable monthly payments.  Eligible applicants must be between 18 and 55 years of age and be full-time salaried individuals working within Agrani Bank PLC. This internal loan product is specially structured to maintain minimal risk while providing meaningful financial support to its staff. In terms of security, Agrani Bank requires both a personal guarantee and an additional guarantee from a solvent person, reinforcing the loan’s reliability and ensuring responsible borrowing. Brac Bank BRAC Bank’s Personal Loan is a flexible and accessible financial solution designed to fulfil a wide range of personal needs. This unsecured loan offers up to BDT 20 lakh without requiring any collateral or cash security, making it a truly customer-centric option for individuals across Bangladesh. The loan comes with a variable interest rate, aligned with Bangladesh Bank’s guidelines and BRAC Bank’s current lending policies. There is a processing fee of up to 0.50% of the loan amount, and other charges are applicable as per the bank's retail loan schedule of charges. One notable feature is the inclusion of an insurance shield, with the premium conveniently payable through the bank itself. Read more: How to Raise Angel Investment for Startups in Bangladesh Applicants aged 25 to 65 years are eligible, with a minimum income requirement of BDT 25,000 per month. Salaried individuals must have at least one year of confirmed employment, while businesspersons need a minimum of three years’ experience in the same business. The repayment period is quite flexible, ranging from 12 to 60 months, and borrowers even get extra time to pay their first EMI. For loans up to BDT 5 lakh, no guarantor is needed, making it even more convenient. BRAC Bank’s personal loan is a hassle-free option backed by quick processing, strong customer support (available 24/7 via 16221), and clear eligibility requirements. All these make it a reliable financial partner for all your life’s important moments.  Standard Chartered Bank Standard Chartered Bank’s Personal Loan is a versatile and convenient solution tailored to meet your various financial needs. With loan amounts ranging from BDT 50,000 to BDT 20 lakh and flexible repayment options of 12 to 60 months, this product ensures financial comfort with complete control. Salaried individuals aged 21 and above and self-employed/businessmen aged 25 and above are eligible, provided they meet the minimum monthly income requirement of BDT 26,000 to BDT 55,000, depending on their banking relationship. Applicants must also be Bangladeshi citizens with a valid NID and reside in cities like Dhaka, Narayanganj, or Chattogram, among other branch-covered areas. Read more: How to Build Social Capital to Grow Your Business One of the standout features of Standard Chartered’s personal loan is its seamless repayment method. Even if you do not have an account with the bank, your EMIs can be automatically collected from any other bank account via BEFTN, eliminating the need for post-dated cheques. The bank also offers employee banking privileges, including preferential treatment and top-up loan options for existing customers. Also, insurance coverage is available to protect your loved ones in unforeseen circumstances. Loan processing is swift, within 2 working days for payroll clients and up to 5 days for others, ensuring fast access to funds when you need it most. United Commercial Bank When life calls for a financial boost, United Commercial Bank (UCB) stands ready with its versatile and customer-friendly personal loan. This all-purpose loan offers up to BDT 20 lakh, catering to a wide range of legitimate personal financial needs, without requiring any collateral or cash security. One of UCB’s strongest features is its completely unsecured structure, which means hassle-free approvals and no need for a mortgage or guarantees. With a repayment tenure of up to 5 years, borrowers can comfortably manage EMIs based on their income flow.  Read more: Gold vs Diamond: Which Should You Choose for Investment? The bank also provides top-up and takeover facilities, allowing existing borrowers to access additional funds or switch from other institutions—ensuring maximum flexibility. Additionally, UCB extends this facility to Non-Resident Bangladeshis (NRBs) and offers global citizens a chance to finance needs back home. Eligibility criteria are designed to be inclusive. Salaried individuals and doctors with a monthly income of BDT 25,000 and self-employed professionals, businesspeople, or landlords earning at least BDT 50,000 can apply.  Applicants must be at least 21 years old. UCB takes pride in its transparent loan terms, with no hidden charges, a fast approval process, and attractive interest rates that make borrowing both affordable and stress-free. This makes UCB a smart, reliable choice for anyone seeking quick and flexible personal financing in 2025.  City Bank City Bank’s Personal Loan is designed to add joy and ease to your life by helping you manage your financial needs smartly. Offering a generous loan range from BDT 2 lakh to BDT 20 lakh, this loan is structured with flexible repayment tenures between 12 and 60 months, allowing borrowers to comfortably plan their EMIs over time. Read more: Silent Partner vs Investor in Business: Know the Difference, Pros and Cons City Bank stands out with its competitive interest rates, no hidden charges, and a unique Double Benefit Insurance Coverage. This insurance ensures that in the unfortunate event of death or permanent total disability, your outstanding loan is taken care of—providing your loved ones with peace of mind. Such value-added features make it more than just a loan—it is a complete financial solution.  Eligibility criteria are straightforward. Applicants must be between 22 and 60 years of age and meet specific experience and income thresholds depending on their profession. For instance, salaried individuals must earn BDT 40,000/month, professionals BDT 60,000, landlords BDT 50,000, and businesspeople BDT 100,000. Additionally, applicants must have at least 2–3 years of professional or business experience.  City Bank’s transparent process, coupled with quick approvals and an emphasis on customer satisfaction, makes it one of the most dependable choices for personal loans in Bangladesh. Whether you are planning a major life event or need a financial bridge for unforeseen needs, City Bank helps you reach new heights and celebrate life’s journey with confidence.  Read more: What to Consider Before Taking a Personal Loan from a Bangladeshi Bank Final Words Each of these top-tier banks offers unique strengths—from fast approvals to flexible tenures and insurance-backed security—making them ideal choices for personal loans in Bangladesh. Choose based on your income, profession, and specific needs for the best financial fit.

Many aspiring students of Bangladesh dreams of a better higher education opportunity. The reputed public Universities of Bangladesh can accommodate a limited number of new students every year. As the scope of international quality higher education is limited in Bangladesh, many students want to study abroad. Besides, some private universities of Bangladesh are also providing world-class education. However, the cost of studying abroad or in private institutions is out of reach for many. Education loans can be a great option for them. Let's take a deeper look into the student loan schemes of Bangladesh and what you should consider before opting for one. What is an Education Loan? Education loan or student loan works similarly like other loans. Depending on banks, you can get about 5 Lac to 20 Lac BDT in loans for your higher studies. Most banks offer a competitive interest rate on the loans which makes it easier to pay back once you settle down. Education loans are a flexible and easy loan scheme that is offered by almost all the leading private, including some government banks of Bangladesh. In Bangladesh, a good number of students fail to complete the higher education cycle due to a lack of funds. In that regard, student loans can act as a financial net for the students to complete their education and create a career for themselves. Read Best Car Loans in Bangladesh to Grab Your Dream Car Things to Consider Before Getting a Student Loan Eligibility for Loan Every bank has a stipulated requirement for loans. The eligibility criteria are listed on the respective websites of each bank. Every bank has a minimum parental income requirement or security deposit. These minimum criteria grossly differ from bank to bank. The eligibility criteria will help you to deduce which scheme will work best for you. Interest Rate and Repay Period Another factor to consider is the interest rate and the repayment period of the loan. The interest rate differs from bank to bank and so does the repayment period. It generally hovers between 9% to 12%. The repayment tenure goes as high as 60 months. Based on your needs and ability, you can easily choose the best possible option for yourself. Understand the Terms and Conditions Well It's important to read the terms and conditions well before signing up for a loan scheme. There might be charges and rules that aren’t explicitly mentioned in the brief. So, it's important to be well informed about everything beforehand. Read: The Emerging Logistics Tech Startups, Courier, Delivery Services in Bangladesh Calculate Your EMI Regardless of the duration of the repayment, you need to have a clear idea about the monthly EMI of your loan. It is granted that you won't have the means to pay a hefty premium monthly. Choose a repayment duration based on your ability to coincide with the EMI. Best Banks for Education Loans in Bangladesh Mercantile Bank Student Loan Mercantile Bank was established in 1999 as one of the premier private banks of the country. The bank operates with a range of services in different sectors and industries of Bangladesh. The company started providing student loans in 2016 to eligible candidates. The loan limit to study in Bangladesh is 5 Lac and for abroad, it's 20 Lac. The loan is issued for students who have completed their HSC or equivalent degree. The interest rate is 9% per annum which is added every year. The repayment tenure is 12 to 72 months. You are eligible to use the money for admission fees and accommodation. In addition to that, all expenses related to the completion of the degree are covered within the scope of the loan. You can learn more about the student loan scheme of Mercantile bank from here. Read Best Home Loans in Bangladesh to Build Your Dream Nest One Bank Student Loan One bank was founded in 1999. Since its inception, One bank has been a key player in the private banking sector of Bangladesh. This bank also offers an education loan scheme. However, there are certain differences. The One bank education loan isn’t allocated to the student. Rather a parent or an eligible guardian has to apply for the loan on behalf of the student. The minimum eligibility for a salaried guardian is 25000 BDT to 50000 BDT monthly income depending on the profession of the guardian. The loan ranges from 50000 BDT to 20 Lac BDT depending on the need of the student. The interest rate is set at 9% per annum. You will be given up to 60 months tenure to repay the loan. The loan is applicable for usage in education-related purposes both at home and abroad. However, the minimum salary cap for the guardian is an added constraint for many aspiring students with financial needs. To learn more about the loan and its criteria, you can refer here. Read Mobile Insurance Offers in Bangladesh Can Save Lives