Microfinance
Building Futures TogetherSmall Loans,
Big Opportunities
for Every Dream
We do not merely provide microloans; we invest in the vision of a better, sustainable, and self-reliant future. Stay committed to this promise, because it is through your responsible participation and dedication that the foundation of a trust-based economy will be strengthened.
Financial products
built for your needs
Flexible and accessible loan solutions designed to support personal goals, business growth, education, agriculture, housing improvements, and long-term financial stability.
JAGORON
JAGORON is PMK’s microcredit program providing small loans to low-income households, promoting entrepreneurship, women’s empowerment, financial inclusion, sustainable livelihoods, increased income, and greater financial security in rural and urban communities.
Product Info
- Product Code: 128
- Loan Amount: ৳1K-৳1Lac
- Interest Rate: 24%
- Repayment Cycle: Weekly & Monthly
- Loan Installment:s 12/18/24/36/46
JAGORON-M
JAGORON is PMK’s microcredit program providing small loans to low-income households, promoting entrepreneurship, women’s empowerment, financial inclusion, sustainable livelihoods, increased income, and greater financial security in rural and urban communities.
Product Info
- Product Code: 161
- Loan Amount: ৳50K-৳30Lac
- Interest Rate: 24%
- Repayment Cycle: Monthly
- Loan Installment:s 12/18/24/36/46
Agroshor
PMK’s AGROSHOR Loan Product supports micro and small entrepreneurs through accessible financing, fostering income generation, employment creation, and sustainable poverty reduction in rural and underserved communities.
Product Info
- Product Code: 130
- Loan Amount: ৳1Lac-৳80Lac
- Interest Rate: 24%
- Repayment Cycle: WEEKLY,MONTHLY
- Loan Installment:s 12/18/24/36/46/90
Sufolon
PMK’s SUFOLON Loan Product provides flexible agricultural financing to marginal and small farmers, supporting crop production, livestock, fisheries, and agro-based enterprises to enhance income, food security, and livelihoods.
Product Info
- Product Code: 146
- Loan Amount: ৳5K-৳30Lac
- Interest Rate: 24%
- Repayment Cycle: WEEKLY,MONTHLY
- Loan Installment:s 12/18/24/36/46/90
Sufolon-M
PMK’s SUFOLON Loan Product provides flexible agricultural financing to marginal and small farmers, supporting crop production, livestock, fisheries, and agro-based enterprises to enhance income, food security, and livelihoods.
Product Info
- Product Code: 148
- Loan Amount: ৳30K-৳50Lac
- Interest Rate: 24%
- Repayment Cycle: MONTHLY
- Loan Installment:s 12/18/24
BUNIAD
PMK’s BUNIAD Loan Product empowers extremely poor households through flexible financial services, promoting sustainable livelihoods, income generation, resilience, and social inclusion while strengthening dignity and self-reliance.
Product Info
- Product Code: 131
- Loan Amount: ৳1K-৳20K
- Interest Rate: 20%
- Repayment Cycle: Weekly
- Loan Installment: 44
Abason
PMK’s ABASON Loan Product supports low-income families in building, repairing, and improving homes, enhancing living conditions, health, safety, and dignity while promoting sustainable community development.
Product Info
- Product Code: 215
- Loan Amount: ৳80K-৳20Lac
- Interest Rate: 12%
- Repayment Cycle: Monthly
- Loan Installment:s 12
Others
Beyond our flagship loan programs, PMK offers a variety of specialized products such as HHSL, HHWL, LI, MFCE, SDL, RAISE-YOUTH, RAISE-APT, and Agroshor-SMART. These initiatives are designed to meet diverse financial and development needs, empowering individuals, entrepreneurs, youth, and communities. Explore each product to discover its features, benefits, and opportunities for sustainable growth.
How to get a loan
Eligible members can apply for a loan by submitting required documents, meeting program criteria, and completing the approval process.
Become a Member
Register as a PMK member to become eligible for savings services, loan programs, financial support, and other development opportunities.
Required Savings
Maintain savings equal to five percent of your requested loan amount to meet eligibility requirements before applying successfully.
Apply for a Loan
Complete and submit the loan application form with required information and supporting documents for review and processing.
Review and Approval
PMK reviews your application, verifies eligibility, assesses repayment capacity, and approves loans according to established program guidelines.
Disbursement
Upon approval, the loan amount is disbursed promptly, enabling investment in business activities, livelihoods, or personal goals.
Who can apply?
Registered PMK members who meet savings requirements and eligibility criteria can apply for a loan by submitting necessary documents and completing the process.
PMK Registered Member
Must be officially registered with PMK and actively participating in its savings and development programs.
Savings Requirement (5%)
Member must maintain savings equal to at least five percent of the requested loan amount.
Age Requirement (18–60 Years)
Applicant should be within economically active age group with ability to generate income or livelihood.
Bangladesh Resident
Must be a citizen or permanent resident of Bangladesh with a valid National ID (NID) for verification purposes.
Stable Income or Livelihood
Must have reliable income source or business activity ensuring consistent loan repayment capacity and financial stability.
Good Compliance Record
Member must follow PMK rules, maintain discipline, and have no record of serious violations or defaults.
Your Guide
to PMK Loans
Discover available loan products, qualification criteria, repayment terms, and simple steps to access financial support.
Explore some of our most popular loan purposes, selected from over 200 eligible activities across agriculture, business, transport, and services.
Agriculture Loan
Supports crop farming, irrigation, seeds, fertilizers, and farm equipment to increase agricultural productivity and income for rural farmers sustainably.
Business Loan
Provides capital for trading, shop setup, inventory purchase, and operational expenses to grow small and medium businesses effectively.
Small Business Loan
Financial support for micro enterprises, startups, and local vendors to expand operations, improve services, and increase earnings.
Dairy Farm Loan
Helps establish dairy farms, purchase cows, feed, veterinary care, and equipment for sustainable milk production and income.
Poultry Farm Loan
ProvSupports poultry farming, including chicks, feed, housing, vaccination, and equipment to ensure profitable egg and meat production.
Fish Culture Loan
Provides funding for fish farming ponds, feed, fingerlings, and maintenance to increase fish production and market supply.
Goat Rearing Loan
Assists goat farming with purchase, feed, shelter, healthcare, and breeding support for meat and milk production income.
Cow Rearing / Beef Fattening Loan
Helps rear cattle and beef fattening through feed, healthcare, shelter, and purchase for livestock business growth.
Vegetable Cultivation Loan
Supports vegetable farming with seeds, fertilizers, irrigation, and tools to improve yield and farmer profitability.
Paddy Cultivation Loan
Provides support for rice farming including seeds, irrigation, fertilizer, and harvesting equipment for better yield.
Auto Rickshaw Purchase Loan
Helps purchase auto rickshaws for passenger transport business, increasing daily income and employment opportunities.
Rickshaw Purchase Loan
Supports buying rickshaws for transportation business, helping generate steady daily earnings for individuals.
Furniture Making Loan
Provides capital for wood or steel furniture production, tools, materials, and workshop setup for business growth.
Cloth Business Loan
Helps start or expand clothing trade, inventory purchase, shop setup, and market expansion for better income.
Grocery Shop Loan
Supports grocery shop setup, inventory stocking, and daily operation to ensure stable local community supply business.
Loans are disbursed in BDT, Approved amounts depend on repayment capacity, recommendation, and repayment record. Higher loan limits may increase over time with consistent repayments.
PMK strictly prohibits any form of coercion, harassment, or unethical conduct during loan repayment collection. If you experience any concern or wish to file a complaint, please contact our helpline: +8801709914000.
Installment Payment Method
Cash installment
In-person payment Popular
Pay your loan installment in cash through any of the following methods:
Through Credit Officer (Field Visit):
Hand the installment amount directly to your PMK Credit Officer during field visits. The officer will record the payment in your passbook.
At PMK Branch Office:
Visit the branch that issued your loan and pay a Credit Officer, Accounts Officer, or Branch Manager. Payment will be recorded in your passbook.
Confirmation SMS sent to your registered mobile within 24 hours of payment.
Bank transfer
Transfer from your account Convenient
Transfer the amount
Transfer your installment from your personal bank account to the bank account of your PMK branch.
Share proof of payment
Send a deposit slip, transfer receipt, or transaction confirmation to your branch's Credit Officer, Accounts Officer, or Branch Manager.
Passbook update
Visit the branch with your passbook, or hand it to your Credit Officer who will arrange updating and return it to you
Confirmation SMS sent to your registered mobile within 24 hours once payment is posted.
bKash installment
Pay anytime, from anywhere Digital
Open bKash app
Tab on Microfinance menu option, choose Palli Mongal Karmosuchi (PMK) from the institution list, and enter your 9 or 11 digit Member Code. Then enter your loan and saving deposit amount and tab to next.
Confirm with PIN
Verify payment details and amount, then complete the transaction using your bKash PIN.
Save digital receipt
Save or download the digital receipt from bKash — it serves as proof of payment for future inquiries.
Auto-updated by PMK
PMK receives the payment automatically and updates your installment in the system — no manual follow-up needed.
Passbook update
Visit your PMK branch with your passbook, or hand it to your Credit Officer to arrange updating.
Confirmation SMS sent within 24 hours once payment is posted to your loan account.