TIB Doctors Scheme

TIB Doctors Scheme is an investment facility designed to facilitate doctors (in service or retired Defense Officers) for small scale purchase of different medical equipments, tools and small machineries for installation of their chamber/hospital/clinic. This investment designs under HPSM Principle & Islamic Banking.

  • Customer Segment:General Practitioner, FCPS & MBBS Doctors/ Dentists or Specialist Doctors having FCPS or a Post-graduate degree and specialization in a particular area of treatment such as Medicine Specialist, Eye Specialist, ENT Specialist, Cardiac Surgeon/specialist etc. having 5 (Five) years of working experience as specialist. (Defense officers in service or retired)
  • Purpose:For purchasing of X-ray machine, medical beds, ultra-sonogram machinery etc. to setup a chamber/clinic/hospital on a small scale.
  • Mode of Investment: Hire Purchase Under Shirkatul Melk (HPSM).<
  • Minimum Age: 21 years
  • Maximum Age: Max in conformity with retired age (for active in service holders)
  • Work Experience: For general practitioner practice length should be 3 years
  • For specialized doctors, practice length should be 5 years.
  • Maximum Investment size:Tk. 5.00 lac for General Practitioner and Tk.10.00 lac for specialized Doctors.
  • Minimum Down Payment: 20%
  • Tenor: Maximum 48 months.
  • Investment Burden Ratio (IBR %):40% of Net Monthly Income.

General Practitioner, FCPS & MBBS Doctors/ Dentists or Specialist Doctors having FCPS or a Post-graduate degree and specialization in a particular area of treatment such as Medicine Specialist, Eye Specialist, ENT Specialist, Cardi8c Surgeon/specialist etc. having 5 (Five) years of working experience as specialist. (Defense officer in service or retired).