Collateral-free instant micro-loans up to BDT 50,000. Verified via Election Commission e-KYC with automated credit risk assessment and direct account payout.
BDT 50,000
Bangladesh Bank Ceiling
12 Months
Regulatory Limit
9.0% p.a.
Reducing Balance
< 5 Mins
Automated e-KYC & Scoring
Simulate instant monthly repayments using official reducing balance amortization math
Fill in your personal, employment, and loan detail in a guided 5-step wizard - no branch visit required.
Identity confirmed against the Election Commission NID database with SMS OTP and on-device active liveness capture.
Automated DTI ratio, CIB bureau query, and AML/CFT screening complete within seconds of submission.
Once sanctioned by the Branch Manager, funds are transferred via BEFTN or mobile wallet the same business day.
Strict separation of duties between Loan Originator (Maker) and Credit Risk Officer (Checker) as required by central bank rules.
On-device active liveness detection - blink, head-turn, and smile challenges - matched against national identity records.
Dynamic DTI ratios, financial liability checks, and CIB queries executed automatically within seconds of submission.
Every applicant is checked against the Credit Information Bureau and sanctions/PEP watchlists before approval.
Every approval, rejection, and disbursement action is timestamped and logged for full regulatory traceability.
Explicit borrower consent, encrypted document storage, and role-based access control across every module.
These limits and disclosures are enforced in the platform itself - not just written in a policy document.
Every micro e-loan under this scheme is capped at the Bangladesh Bank regulatory ceiling for collateral-free digital credit.
Repayment tenures never exceed the central bank's prescribed limit for unsecured digital lending products.
No application proceeds to OTP verification until the borrower explicitly consents to credit checks and data processing.
Credit bureau, anti-money-laundering, and identity verification statuses are visible at every stage of the workflow - never hidden.