Information Memorandum (IM) of EXIM 6th Subordinated Bond | eRecruitment

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Home » Retail Banking » Investments » EXIM Sahayak: A Product for acquiring Consumable Durables under consumer investment scheme.
EXIM Sahayak: A Product for acquiring Consumable Durables under consumer investment scheme.
Necessity and comfort are constantly changes with the change of time and life style which also basic indicator of the quality of life. A stitch in time saves nine. Luxurious/comfortable articles/appliances of yesterday may be treated/ converted as essentials/necessities of today. Necessity of many things does not wait for future capacity. Exim Bank provides a suitable solution of above and make breeze between necessity and capacity to acquire the durables.
Purpose of investment

To purchase/procure following eligible items: 

  • Electronic items: Personal Computer, Photocopier, Small PABX System, Television, Smart Mobile, Refrigerator, Air conditioner, Washing Machine, Cleaning Machine, Electric Sewing Machine Audio-Video Equipments, Solar Power, Generator, IPS, Water pump, Other Home Electric Appliance
  • Furniture items: Wooden /Steel/ Alloy, etc. made Furniture items, interior.  
  • Kitchen items
  • Professional items
  • Any Other Household/Consumable Durables.
Customer Segment.

Confirmed /regular/permanent Employee having 02 (two) years continuous service but 06(Six) months in present employers in the following:

  • Govt. Organizations
  • Semi-Government Organizations
  • Autonomous Bodies
  • Multinational Companies
  • Banks/NBFIs
  • Insurance Companies
  • Educational Institutions 
  • Corporate Bodies

Professionals/self employed having two years sufficient /good income record.

  • Doctor
  • Engineers
  • Chartered Accountants
  • Architects
  • Certified Consultant
  • IT professionals
  • Landlord
  • Other professionals as decided by the CRM of EXIM Bank.
Nationality.

Bangladeshi
Age Limit - Minimum age (years) / Maximum age (years).

Minimum 25 years & Maximum 65 years, for salaried persons 60 years (including repayment period)
Investment Size.

  • Maximum facility per person will be Tk. 5.00 (Five) Lac without collateral securities
  • Maximum facility per person will be Tk. 20.00 (Twenty) Lac with collateral securities
  • But investment secured against liquid securities (i.e. MTDR, MMSDS, etc.) shall however, be exempt from these limit'' (BRPD Circular-04, dated: 03/04/2017).
Investment to Price Ratio.

Investment 30% of the cost of the item is allowed or as per Bangladesh Bank Circular.
Maximum Term of investment.

  • Maximum 3 years up to Tk.5.00 lac,
  • Maximum 5 years from Tk.5.01 lac to Tk.20.00 lac under coverage of collateral security.

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