Sunday, 5th April 2026
Khabor Wala Desk
Published: 18th February 2026, 5:26 AM
United Commercial Bank (UCB) has introduced a specialised, women-focused banking initiative, “AIMA”, aimed at enhancing financial empowerment and self-reliance among women across Bangladesh. The programme enables female clients to access loans for car purchases, home construction or renovation, business expansion, personal expenses, and other approved purposes. The scheme allows loans of up to BDT 50 million, reflecting UCB’s commitment to supporting women in multiple financial spheres.
Under the AIMA Car Loan programme, women can borrow up to BDT 400,000 or 50% of the vehicle’s value, whichever is lower. Repayment terms extend up to five years. Applicants must be registered under the AIMA service to qualify.
Income Eligibility for Car Loans
| Customer Type | Minimum Monthly Income (BDT) |
|---|---|
| Salaried Professional | 50,000 |
| Medical Professional | 60,000 |
| Self-Employed Professional | 60,000 |
| Businesswoman | 75,000 |
UCB has launched AIMA Dipti Loan to support women entrepreneurs in expanding their businesses. The loan structures are as follows:
| Loan Type | Maximum Loan (BDT) | Collateral Required | Tenure |
|---|---|---|---|
| Installment Capital Loan | 5,000,000 | Yes | 1–5 years |
| Unsecured Loan | 500,000 | No | 5 years |
Conditions:
Minimum business experience: 1 year
Purpose: Capital investment, agricultural production and marketing, or other approved business activities
Through the AIMA Housing and Personal Loans, women can access:
Housing Loans: Up to BDT 20 million with a maximum repayment period of 25 years
Personal Loans: Up to BDT 2 million, fully unsecured
Income Eligibility for Housing and Personal Loans
| Loan Type | Salaried Income (BDT) | Self-Employed Income (BDT) | Business Income (BDT) |
|---|---|---|---|
| Housing Loan | 40,000 | 60,000 | 60,000 |
| Personal Loan | 25,000 | 40,000 | 45,000 |
AIMA clients are eligible for MasterCard Classic, Visa Classic, and Visa Signature cards. Benefits include rewards on shopping and travel, instalment payment options, restaurant discounts, and loyalty points.
To further support women entrepreneurs and small business owners, UCB has introduced:
Self-Reliant Current Account
AIMA Easy Account
AIMA Protyoy Monthly Savings Programme
These services encourage low initial deposits and structured monthly savings, promoting financial discipline and security.
The AIMA programme represents a groundbreaking step in women’s financial empowerment. By integrating car loans, housing finance, business expansion loans, and personal banking services, UCB is creating pathways for increased economic participation, long-term financial independence, and sustainable growth for women across Bangladesh.
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