JICA Loan Fund

JICA Loan Fund

Customer Segment

SMEs engaged in Manufacturing and Service sector but preferably Manufacturing/Industrial Sector.

Purpose of the loan

To encourage more involvement of SMEs in productive sector and provide facilities for long term sustainable development of the economy.

Type of Facility

Term Loan for purchasing Fixed assets and Working capital Finance.


Term Loan: Min: 2 Years
                 Max: 6 Years

Working Capital Loan will be available for 5 years (annually renewable)

Age Limit

Minimum:  25 Years
Maximum: 55 Years


Loan Amount

Min: Tk. 5.00 Lac
Max: Tk. 500.00 Lac

Interest Rate

13% p.a. (if refinance from Bangladesh Bank is available) or advised by Head Office time to time.

Non-Eligible Sectors

  • Crop and Fish production
  • Real estate or Housing loans
  • Finance or Insurance
  • Precious metal dealing
  • Bar and Pub
  • Amusement / Entertainment business (except for amusement park, tourism, film making & TV broadcasting)
  • Military activities-related loans (weapon, ammunition)
  • Anything harmful to Environment/Social stability
  • For purchase of Land/ Land rights or payment of tax/ import duty
  • Consumer loan
  • Trade Finance


  • Proprietorship/ Partnership/ PVT LTD Co.
  • 2 (Two) Years of Experience

Other Documents

  • Valid & Updated  Trade License
  • National ID
  • Bank Statement
  • Company Seal
  • Photograph
  • Personal Guarantee
  • Updated CIB
  • Environmental Certificate (If Applicable)
  • Collateral Security (if Req.)
  • Any other Documents (if Req.)
    How to Apply