Competitive Interest Rates
Enjoy attractive personal loan interest rates that help keep your monthly repayments affordable and easier to manage.
IPDC Personal Loan for Your Important Life Goals
Manage your important personal expenses with financing designed for convenience and flexibility. Whether you are planning a wedding, renovating your home, pursuing higher education, traveling, purchasing essentials, or handling medical needs, IPDC Personal Loan offers a fast and simple process with comfortable repayment options to support your goals.
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Why Choose IPDC Personal Loan
Meet your financial needs with a personal loan that offers flexible repayment options, simple application steps, and quick access to funds for life’s important requirements in Bangladesh.
Quick Loan Approval & Disbursement
Get fast personal loan approval and quick fund disbursement to meet your urgent financial needs without unnecessary delays.
Loan Up to BDT 25 Lac
Access personal loan amounts of up to BDT 25 Lac to support a wide range of personal financial requirements.
No Collateral Required
Apply without security, as this personal loan does not require any collateral for approval.
Flexible Income Criteria
Qualify with flexible personal loan eligibility criteria, including co-applicant income, rental income, and other verifiable sources.
Eligibility Criteria
- Salaried individuals (Salary must be credited to bank account); both Government & Private
- Professionals: Doctors, Teachers, Engineers, Architects, Chartered Accountants, etc
- Minimum age: 22 years (if income is to be considered)
- Maximum age: 65 years or retirement age, whichever is lower
Loan Term and Amount
Amount
Up to BDT 25 lacs
Term
From 6 months to 5 years
Documents Required for Personal Loan Application
To make your IPDC Personal Loan application process faster and hassle-free, please keep the necessary documents ready before applying.
Duly filled and signed application form
Copy of NID (for both applicant and guarantor)
Income Document (Salary Certificate/ pay slip)
Bank statement
Proof of additional income (if applicable)
Passport-sized photographs (applicant & guarantor)
Recent utility bill copy
Latest Tax Return Copy
Get Your Personal Loan Easily With Fast Approval And Simple Process
FAQ
Who can apply for an IPDC Personal Loan?
Any Bangladeshi citizen who is a salaried individual or a professional (e.g., doctors, engineers, teachers, architects) with a verifiable income can apply.
What is the maximum loan amount I can get?
You can avail a loan of up to BDT 25 Lac, depending on your income and eligibility.
Is any collateral required for the loan?
No, IPDC Personal Loans are completely unsecured—no collateral is required.
What is the loan tenure?
The tenure ranges from 6 months up to 5 years.
What income sources are accepted?
Salaried income, rental income, co-applicant’s income, tuition/coaching income, consultation fees, and other verifiable sources are considered.
What documents do I need to submit?
You’ll need: Filled application form, NID (applicant & guarantor), income proof (salary slip or certificate), bank statement, utility bill, tax return copy, photographs, and additional income proof (if applicable).
How long does the processing take?
IPDC ensures faster loan processing, subject to submission of complete documentation.
What is the interest rate for IPDC Personal Loan?
The interest rate for IPDC Personal Loan is competitive and varies based on your income profile, loan amount, and eligibility.
Can I get a personal loan without a salary account?
Yes, you may still be eligible depending on your income stability and ability to provide verifiable income documents.
Can self-employed people apply for IPDC Personal Loan?
Yes, self-employed individuals can apply if they have a stable income source supported by valid financial documents.
Can I take a personal loan for medical or emergency expenses?
Yes, IPDC Personal Loan can be used for medical emergencies, education, travel, home expenses, or other personal financial needs.
How is the personal loan EMI calculated?
Your EMI is calculated based on loan amount, interest rate, and repayment tenure, ensuring a structured monthly repayment plan.
Can I prepay my IPDC Personal Loan?
Yes, partial or full prepayment options may be available based on IPDC policy and loan terms.
What happens if I miss an EMI payment?
Missing an EMI may result in penalties and impact your credit score, so timely repayment is recommended.
Is IPDC Personal Loan available outside Dhaka?
Yes, IPDC Personal Loan is available across multiple locations in Bangladesh, subject to branch and service coverage.
Download IPDC Personal Loan Application Form
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