United Commercial Bank UCB Personal Loan Bangladesh For those needs which are personal in nature – like funding a wedding, travelling, going for higher studies, or for matters as critical as medical needs, UCB Personal Loan in Bangladesh is the solution. But, one of the important things which borrowers look into before taking a loan is UCB personal loan interest rate. Today we are going to discuss in depth the personal loan interest rates, eligibility criteria and other features of UCB as of 2025, and how to decide which is the best loan for you.
What is UCB Personal Loan?
Unsecured Personal Loan United Commercial Bank (UCB), one of the leading private sector bank offers unsecured personal loan to meet your financial needs without any security.ABMeftySubmit.GunaHujiivR(); UCB Personal Loan: With loan quantum of a maximum BDT 20 lakhs and maximum tenure of repayment as long as 5 years, the personal loan at UCB is for the salaried executives, either self-employed or landlords or businesspersons or even the NRBs.
Market: The bank boasts of a quick approval, eye-catching interest rates and no concealed charges which makes it a strong contender in the market. But what is the UCB interest rate for personal loans in 2025, and how does it affect your loan?
UCB Personal Loan Interest Rate in 2025
As of June 2025, United Commercial Bank (UCB) offers attractive interest rates for its personal loans, but the exact rate is not publicly disclosed on their official website. Based on market trends and industry standards, personal loan interest rates in Bangladesh typically range between 10% to 15% per annum for unsecured loans, depending on factors like the borrower’s creditworthiness, income, and loan tenure.
To get the precise UCB personal loan interest rate, you must contact UCB’s customer service or visit a local branch, as rates are subject to change based on internal risk policies, the borrower’s profile, and the Reserve Bank of Bangladesh (RBB) guidelines. You can reach UCB’s customer care at their official contact number or through their mobile banking app for the latest updates.
Factors that influence UCB Personal Loan Interest Rates
A UCB personal loan interest rate is calculated based on a few important things that will vary from borrower to borrower.
- Credit Score: The higher your credit score (700+ is usually the magic number), the more likely you’ll get a lower interest rate, simply because it’s indicative of your financial reliability.
- Income Requirement: UCB needs a minimum monthly income of BDT 25,000 for salaried employees/ doctors and 50,000 for self-employed businessmen, landlords, and people paying interests. Better rates may be available at higher income levels.
- Amount of Loan and Loan Tenure: If you apply for a large amount or longer tenure, the interest rates might just get a bit higher as bank exposure is higher. UCB provides loans upto BDT 20 lakhs for a period of maximum 5 years.
- Kind of Employment: If you are a salaried employee who is employed by a top company then your psu, or even those from government, there are chances that you may get some preferential rates as compared to a self-employed applicant.
- Market Dynamics: The repo rate released by the Bangladesh Bank and the bank’s MCLR (Marginal Cost of Funds Based Lending Rate) can impact personal loan rates.
Increasing your score, showing evidence of steady income, and even haggling with the bank may help you get a lower rate.
UCB Personal Loan at a Glance Key Highlights of UCB Personal Loan
Being aware of the features of a personal loan from UCB can help you decide if it’s right for you. Here’s what stood out:
- Unsecured Loan: No security or cash securities needed, therefore all prospective borrower can avail of this facility.
- Loan Value: Avail loans of up to BDT 20 lakhs for any genuine personal purpose like marriage, education, travel and medical emergency.
- Flexible Repayment: Repayment duration is from 12-60 months, you can choose one that is most affordable to you.
- Quick Approval: UCB has a fast approval so you can get access to funds when you need it most.
- There are no hidden costs: The bank prides itself on transparency with an absence of hidden fees.
- Loan Top-Up and Takeover Facility: Current borrowers can either top up the existing loan or takeover their loans from other banks at more favourable conditions from UCB.
- NRB Eligibility: Even NRBs can also avail of this loan, broadening the scope of the loan.
These characteristics render UCB’s personal loan as a convenient, borrower-friendly financing solution in a market as competitive as the Bangladeshi banking sector.
UCB Personal Loan Eligibility
Here is who can apply for UCB personal loans:
- Age: Not less than 21 years as on the date of application.
- Minimum Income: Salary Person & Doctor: 25,000 Taka per month. User Per Month (BDT)
- Self-employed, businessmen and landlords: BDT 50,000 (per month).
- Occupation: Salaried executives, business, landlord, self-employed, NRB.
- Documentation:General documents include ID proof (NID/passport), address proof, income proof (salary slips, bank statements, ITR etc.) and passport-sized photographs of the applicant. Contact UCB for furiher details of contracts.
Fulfilling these requirements will maximize your opportunity for loan approval and a low-interest rate.
How to Apply for a UCB Personal Loan
It’s easy to apply for a UCB personal loan. Follow these steps:
- Visit Branch or Call Customer Care: Contact your nearby UCB branch or customer care to know the prevailing interest rate and process on the application.
- Submit Documentation: Submit the appropriate documentation such as ID, Proof of Address, and Proof of Income.
- Apply for loan: Complete a loan application with the desired loan amount and period.
- Verification and Approval: UCB will verify your documentation and credit profile. If the application is accepted, Your loan will be send to You at your account.
- Use Mobile Banking: Consult UCB mobile banking app for updates and to check the status of your application.
To get your approval as quickly as possible, make sure that all these documentations are complete and accurate.
Conclusion
UCB personal loan interest rate 2025 in Bangladesh still is an important criteria for those who are looking for financial freedom as the world economy is struggling. Interest rates are not publicly listed on its website, but are estimated to range from 10% to 15% based on factors like your creditworthiness, income and loan term. If you are looking for a quick and easy loan with minimal documentation, no security and competitive interest rates, then UCB’s personal loan is a promising option.
Call UCB customer service or visit a branch to receive the current interest rate and to apply today! Make sure to compare rates with other banks, use an EMI calculator, and work toward a good credit score for the best deal. With good decisions, you’re able to borrow with confidence, and enjoy your life until your financial goals are met.
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Disclaimer: Interest rates and terms are subject to change. Please directly contact United Commercial Bank for the most recent and accurate information.
