Welcome To Presentation

Submitted By: Submitted To:

Mohammad Azhar Hossain
Md. Shahnewaz
Lecturer
Id: 2016110000002 School of business Studies
Sec:09 Southeast University
Topic Name

“Different types of loan products offered

by Jamuna bank Limited”
Jamuna Bank Limited
Private commercial bank.
Bangladesh registered under the Companies Act
1994.
It was established on June 3, 2001.
Jamuna Bank has 112 branches.
Jamuna Bank Ltd is a 3rd generation private
commercial bank.
The bank, aside from conventional.
The Bank has real-time online banking branches.
Name of all the loan product
Auto Loan Jamuna Bonik
Jamuna Chalantika
Any Purpose Loan Jamuna Green
Personal Loan Jamuna Jantrik
Salary Loan Jamuna Nari Uddogh
Doctors Loan Jamuna NGO Shohojogi
Education Loan Jamuna Shachchondo
Overseas Job Loan Jamuna Sommriddhi
Offers for Importers Jamuna Swabolombi
Offers for Exporters
Name of the all product depending Maturity

Short term loan Long term loan

Jamuna Banik Any purpose Loan
Jamuna Chalantika
Jamuna green
Offers For exporters
Offers for Importers
Medium term Loan
Auto Loan Jamuna jantrik
Personal loan  Jamuna Nari uddogh
Salary Loan Jamuna NGO Shohojogi
Doctors Loan Jamuna Shachchondo
Education Loan Jamuna sommriddi
Overseas job loan
Jamuna Swabolombi
Retail Banking
Auto Loan
Any Purpose Loan
Personal Loan
Salary Loan
Doctors Loan
Education Loan
Overseas Job Loan
Corporate Banking
Offers for Importers
Offers for Exporters
SME banking
Jamuna Bonik
Jamuna Chalantika
Jamuna Green
Jamuna Jantrik
Jamuna Nari Uddogh
Jamuna NGO Shohojogi
Jamuna Shachchondo
Jamuna Sommriddhi
Jamuna Swabolombi
The description all of the loan products on
following criteria:
Name of the Loan
Purpose
Loan Amount
Duration
Eligibility
Security
Interest rate
 Auto Loan
Purpose:
To procure brand new/reconditioned Personal Transport, of age
not more than 5 years.
The Vehicle should have maximum 10(ten) seats.
Model year is in the limit of 5 year.
Nationality & Age Limit:
Bangladeshi by birth.
Minimum age 25 years / Maximum age 54 years
But loan tenor shall not exceed 59 years of age.
Minimum Income:
Net Income should be at least Tk. 40,000/- per month. (To be
substantiated by evidence) The customer must have sufficient
net cash flow to repay the loan instalments regularly.
 Any purpose Loan
Purpose:
For construction & renovation of residential
house/building and purchase of Flat/Apartment &
any lawful purpose.
Nationality & Age Limit:
Bangladeshi by birth.
Minimum age 25 years / Maximum age 55 years.
Loan tenor shall not exceed 60 years of age.
Minimum Income:
Net Income should be at least Tk. 40,000/- per
month. (To be substantiated by evidence)
 Personal Loan
Purpose:
Pay off unexpected expenses, repair your home or vehicle
or make a special purchase for less than using a credit
card or payday loan would cost.
Nationality & Age Limit:
Bangladeshi by birth.
Minimum age 25 years / Maximum age 57 years.
But loan tenor shall not exceed 62 years of age.
Minimum Income:
Net Income should be at least Tk. 40,000/- per month.
(To be substantiated by evidence)
Salary Loan
Purpose:
For a broad range of consump6on purpose.Like
Education, Travels, Hospitalization.
Nationality & Age Limit:
Bangladeshi by birth.
Minimum age 21 years / Maximum age 55 years.
But loan tenor shall not exceed 60 years of age.
Minimum Income:
Net Income should be at least Tk. 15,000/- per month.
Rate of Interest:
As determined by the bank from to time.
 Doctor’s Loan
Purpose:
Educational Expenses, Office Equipment, Medical
Equipments Purchase, Professional Equipment Purchase,
Commercial/Office/Chamber Space Purchase/,
Renovation/Decoration, Office Decoration, Equipments,
Electronics items purchase.
Nationality & Age Limit:
Bangladeshi by birth.
Minimum age 25 years / Maximum age 60 years.
Loan tenor shall not exceed 65 years of age.
Minimum Income:
Net Income should be at least Tk. 30,000/- per month. (To be
substantiated by evidence).
Loan Size:
Minimum 2.00 lac and Maximum Tk. 50.00 lac.
Education Loan
Pre-qualification:
The applicant must have (a) Chatro- Bondhu Account
(EL-19) or (b) Overseas Student File or (c) Overseas
Scholarship/University Acceptance.
Purpose:
Student supposed to bear (1) Tuition Fees (2) Living Cost
(3) Other Educational Expenses (4) Consultants Fee (5)
Visa Processing fees (6) Travelling Cost (7)
Document/Other verification Fees (8) Purchase of
Educational Equipments/Gadget (9) any other cost not
stated above but acceptable to the bank.
Nationality & Age Limit:
Bangladeshi by birth.
 For student 18-35 age , For Guarantor 40-57 age
Overseas Job Loan
Purpose:
 Travel expenses, marital expenses, Educational expenses, Festival
expenses, Home construction, House renovation, Land purchase,
Transport purchase, Office equipment, Professional equipment
purchase, office space purchase, shop space purchase, Office decoration,
Household durables/equipments/electronics purchase.
Nationality & Age Limit:
 Bangladeshi by birth.
 Minimum age 25 years / Maximum age 57 years.
 But loan tenor shall not exceed 62 years of age.
Minimum Income:
 Net Income should be at least Tk. 50,000/- per month. (To be
substantiated by evidence)
Loan Size:
 Minimum 2.00 Lac Maximum Tk. 50.00 Lac
Offers For Importers
Loan against Trust Receipt popularly known as
LTR is allowed as post import working capital
finance for a period of mainly 45 days to 90 days
for trading and 90 days to 180 days for
manufacturing houses. This is a preferred mode of
finance since it is a short-term facility.
Time Loan is allowed in very special cases
considering the creditworthiness, reputation
and/or security position of the customer for
supporting a part of duty structure against high
volume imported consignment.
 Offers for Exporters
Back-to-Back Letter of Credit facility is allowed against
confirmed Master (Export Order) LC/Contract of well-
reputed buyers for procuring various raw materials from
both local and international markets.
Packing Credit popularly known as PC is allowed at 7%
interest rate for financing cutting and manufacturing
expenses. PC is allowed at 10% to 20% of export bill
considering other financial obligations of the customer(s).
However, it is allowed at the pre-shipment stage but when
raw materials against respective export order is available at
warehouse.
Jamuna Bonik
Purpose
To settle foreign trade payment & import document
retirement line (mainly import financing, e.g., L/C and LTR
facility).
Key Features
Loan Amount: Min. BDT 5.00 lac to Max. BDT 50.00 lac.
Tenure: For each L/C highest 04 months and for each LTR
highest 06 months.
L/C Margin and Commission: As per negotiation.
Fast and quality service.
No hidden charge.
 Jamuna Chalantika
Purpose
To meet up working capital requirement of the business.
Key Features
Loan Amount: BDT 5.00 lac to BDT 50.00 lac.
Tenure: For revolving loan- Maximum 01 year (Renewable).
For Term Loan- Maximum 36 months. Interest Rate:
Competitive interest rate. Fast and quality service.
No hidden charge.
Registered Mortgage of Property is required.
 
Jamuna Green
Purpose
To facilitate establishment of eco friendly projects.
Key Features
Loan Amount: Max. 300 lac.
Tenure: Max. 60 months.
Interest Rate: Competitive interest rate.
Fast and quality service.
No hidden charge.
  
Jamuna Jantrik
Purpose
To procure machinery or vehicle for SME business purpose.
Key Features
Loan Amount: BDT 5.00 lac to BDT 50.00 lac.
Tenure: Max. 60 months.
Interest Rate: Competitive interest rate.
Fast and quality service.
No hidden charge.
 Jamuna Nari Uddogh

Purpose
Any justifiable business purpose.
Key Features
Loan Amount: BDT 3.00 lac to BDT 50.00 lac.
Tenure: For Trading & Service Industry 36 months.
For Manufacturing industry 42 months. Interest Rate: 10% -
the lowest interest rate.
Fast and Quality Service.
No hidden Charge.
Up to BDT 25.00 lac is collateral Free.
 Jamuna Shachchondo
Purpose
To meet up working capital requirement of the business.
Key Features
Loan Amount: BDT 15.00 lac to BDT 50.00 lac.
Tenure: For 1st time loan- 12 months to 30 months. For
Repeat Loan- 36 moths to 48 months.
Interest Rate: Competitive interest rate.
Fast and quality service.
No hidden charge.
 Jamuna NGO Shohojogi
Purpose
To provide loan facility to the small enterprise through
wholesale lending to the NGOs.
Key Features
Loan Amount: Max. limit BDT 500.00 lac
Tenure: Max. 48 months.
Interest Rate: Competitive interest rate.
Fast and quality service.
No hidden charge.
Monthly instalment basis.
 Jamuna Sommriddhi
Purpose
Any justifiable business purpose.
Key Features
Loan Amount: Max. limit 50.00 lac.
Tenure: Max. 48 months.
Interest Rate: Competitive interest rate.
Fast and quality service.
No hidden charge.
Lien of FDR of 25% of the total loan amount.
 Jamuna Swabolombi
Purpose
Any justifiable business purpose.
Key Features
Loan Amount: BDT 5.00 lac to BDT 25.00 lac.
Tenure: For Trading & Service Industry 30 months. For
Manufacturing industry 36 months.
Interest Rate: Competitive interest rate.
Fast and quality service.
No hidden charge.
Up to BDT 25.00 lac is collateral Free.