Bangladesh Bank has introduced a new policy enabling customers to obtain digital or e-loans of up to Tk 50,000 at a 9 percent interest rate for a maximum period of 12 months. The central bank issued the policy on Monday, allowing customers to apply and repay loans entirely through digital channels without visiting a bank branch.
According to the policy, any regular customer can apply for the loan using digital platforms such as internet banking, mobile apps, e-wallets, or mobile financial services. Defaulters will not be eligible. Banks must verify a customer’s credit information from other financial institutions before approval but cannot charge any fee for this verification. The entire process, from application to repayment, will be conducted digitally using biometric identification, OTP, and multi-factor authentication to ensure security. All customer data must be stored in data warehouses located in Bangladesh.
Before commercial rollout, banks are required to conduct at least six months of pilot testing. Upon successful completion and board approval, they may launch the service. Banks have also been instructed to take steps to enhance customers’ financial literacy.
অর্থনৈতিক রিপোর্টার প্রকাশ : ১১ মে ২০২৬, ২০: ১৩ ঘরে বসেই ডিজিটাল বা ই-ঋণ নেওয়ার সুযোগ দিল বাংলাদেশ ব্যাংক। এখন থেকে একজন গ্রাহক ৯ শতাংশ সুদে সর্বোচ্চ ৫০ হাজার টাকা পর্যন্ত ই-ঋণ নিতে পারবে। এই ঋণের মেয়াদ হবে সর্বোচ্চ ১২ মাস। সোমবার বাংলাদেশ ব্যাংক থেক
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