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.
Build the habit of saving —
and watch it grow
Safe and simple savings opportunities designed to help individuals grow financial resilience, achieve goals, and secure a better future.
Compulsory Savings (COM)
Build a stronger future with PMK Compulsory Savings. Save from just 50 taka weekly, develop consistent saving habits, improve loan eligibility, and create financial security for future goals and unexpected challenges.
Voluntary Savings (VOL)
PMK Voluntary Savings lets members save 50 taka or more at their convenience. Grow your savings steadily, build financial security, and stay prepared for future opportunities and unexpected needs.
Monthly Savings Project (MSP)
Turn monthly deposits into meaningful savings with PMK MSP. Save consistently, grow your funds over time, and prepare confidently for education, business opportunities, family needs, and future financial goals.
fixed beneficiary scheme (FBS)
A secure savings program encouraging members to deposit fixed amounts regularly, promoting financial discipline, community welfare, and long-term financial stability with assured benefits and structured, FDR-like savings growth support.
Secure Deposits
Your savings are protected through regulated and audited account management under Bangladesh financial law system
Mobile Access
Make deposits via bKash or bank transfer with instant SMS confirmations received immediately always
Passbook System
Every transaction is recorded in your passbook providing a permanent transparent financial record always
Quarterly Interest
Interest is calculated monthly and automatically credited to your account every six months consistently
Household Stability for Women
Women-led households benefit from disciplined saving habits supporting essential daily needs consistently always
Impact Stories from the Field
Empowering Communities Through Microfinance & Savings
Our work is focused on bringing real financial solutions directly to the grassroots level. Through microfinance and savings services, we have worked closely with communities to create meaningful and measurable impact in their daily lives.
This is not just a service—it is field-based development work that has changed lives.
- Delivered microloans to support small businesses, farming, and self-employment
- Helped rural families increase income through productive investment
- Built a safe system for savings to improve financial security
- Supported households in managing emergencies without falling into debt traps
- Promoted financial discipline through continuous field follow-up
What we have done in the field:
Our impact on the ground:
Through consistent field engagement, we have created real change in people’s lives. Families are now able to generate income, save regularly, and improve their living conditions. Many have moved from financial vulnerability to stability and confidence.
This work reflects our core achievement—we have not only provided services, but we have created impact at the community level by empowering people to become financially independent and self-reliant.
Strengthening Rural Livelihoods Through Financial Support
We is committed to strengthening the economic foundation of rural and low-income communities by supporting sustainable livelihood development through financial inclusion.
Our focus is to ensure that people not only receive financial services, but also use them to build stable and long-term income sources.
- Provide microloans for agriculture, livestock, small trade, and rural enterprises
- Support individuals in starting new income-generating activities
- Help existing small businesses expand and increase productivity
- Encourage savings to build financial security for households
- Offer continuous field-level guidance on effective loan utilization
What we have done in the field:
Our impact on the ground:
Through consistent engagement with communities, we have helped families create reliable sources of income and reduce financial uncertainty. Many households have moved from irregular earnings to more stable livelihoods.
This work has contributed to improved living standards, stronger rural economies, and greater self-reliance among community members.
Strengthening Financial Skills for Sustainable Growth
Our work is committed to strengthening community capacity by delivering financial literacy training and skill-building programs at the grassroots level. The aim is to empower clients not only with access to financial services, but also with the knowledge and confidence to use them effectively.
- Conduct financial literacy sessions on savings, budgeting, and credit management
- Train clients on responsible borrowing and productive loan use
- Strengthen household financial planning and cash-flow management skills
- Build awareness on risk management and avoiding over-indebtedness
- Support capacity building for small entrepreneurs and rural households
What we have done in the field:
Our impact on the ground:
Through continuous training and field engagement, PMK has improved financial understanding among clients, enabling better decision-making and stronger financial discipline. Communities are now more capable of managing resources, growing small enterprises, and maintaining stable household economies.
This capacity-building approach has resulted in improved repayment behavior, increased savings culture, and long-term financial resilience at the community level.
Community Health & Social Development Awareness
We extends our development work beyond financial services by actively promoting health and social awareness at the grassroots level. The objective is to improve overall well-being and create more informed, resilient communities.
- Conduct awareness sessions on basic health, hygiene, and sanitation
- Educate families on preventive healthcare practices and nutrition
- Promote safe drinking water and clean living environments
- Raise awareness on social issues such as child welfare and gender equality
- Encourage community participation in health and social development activities
What we have done in the field:
Our impact on the ground:
Through continuous field engagement, PMK MFI has helped communities adopt healthier lifestyles and improved awareness of essential social and health practices. Families are now more informed about prevention, hygiene, and well-being, leading to healthier households and stronger communities.
This initiative has contributed to improved quality of life, reduced health risks, and greater social responsibility at the community level.
Empowering Women Through Collective SHG Action
PMK MFI is committed to strengthening women’s empowerment by organizing and supporting Self-Help Groups (SHGs) at the grassroots level. These groups serve as a platform for financial inclusion, collective growth, and social empowerment.
- Form and support women-led SHGs in rural and semi-urban areas
- Provide microfinance access through group-based lending models
- Encourage regular savings and internal group fund management
- Conduct training on leadership, financial literacy, and entrepreneurship
- Strengthen decision-making and participation in household income activities
What we have done in the field:
Our impact on the ground:
Through SHGs, women have gained greater financial independence and confidence in managing economic activities. Many members have started or expanded small businesses, contributing to household income and community development.
This initiative has enhanced women’s leadership, improved financial stability, and strengthened social empowerment at the community level.
Emergency Relief & Disaster Recovery Support
PMK MFI plays an active role in supporting communities during times of natural disasters and emergencies, ensuring quick assistance and financial resilience for affected families.
- Provide emergency financial support to affected households
- Assist clients in rebuilding livelihoods after disasters
- Support recovery of small businesses and agricultural activities
- Offer flexible repayment arrangements during crisis periods
- Coordinate with local communities for rapid response and assistance
What we have done in the field:
Our impact on the ground:
Through timely intervention and field-level engagement, PMK MFI has helped vulnerable families recover faster from disasters and financial shocks. Many households have been able to restart their income activities and stabilize their living conditions.
This response approach has strengthened community resilience, reduced long-term economic damage, and supported faster recovery in affected areas.