Bangladesh Finance And Investment

What Bangladesh Finance And Investment does

Bangladesh Finance PLC (formerly BD Finance) is a publicly listed Non-Bank Financial Institution (NBFI) in Bangladesh, incorporated in 1999 and operating under a license from Bangladesh Bank. The company provides loans, deposits, and financial services to four primary customer segments: retail individuals (home loans, car loans, personal loans, deposit schemes, retirement plans), small and medium enterprises (BIJOY loans, SME term loans, agriculture loans, new entrepreneur loans), corporate clients (lease finance, working capital, syndication, structured finance), and Non-Resident Bangladeshis through its BIR remittance product. It also operates a Shariah-compliant Islamic banking wing (Bangladesh Finance Islamic) and a network of 7 branches across Dhaka, Chattogram, Gazipur, Jashore, and Sylhet.

The company's technology footprint is modest: a mobile banking application available on Google Play Store enabling loan, deposit, and account management functions, alongside a corporate website with product information and calculators. Two wholly-owned subsidiaries — Bangladesh Finance Securities Limited and Bangladesh Finance Capital Limited — extend the platform into capital markets and investment services. A BD Finance First Mutual Fund, launched in 2016, adds asset management capability.

Bangladesh Finance makes money primarily through interest income from its loan portfolio (BDT 14,044 million as of 2025) and interest-bearing deposit products (BDT 10,396 million as of 2025), supplemented by fee-based services including lease finance and syndication finance. Base lending rates range from 14.50% to 16.30% on conventional products, with specialized subsidized products (Green Brick Loans up to 7.5%, Technology Upgradation Loans up to 5.5%) for environmental and export-oriented borrowers. Total assets stood at BDT 19,190 million as of 2025. The company achieved an AA- credit rating in January 2021 and has reported a return to profitability in 2025 after a multi-year revenue decline from BDT 2,137 million in 2021 to BDT 1,102 million in 2024.

Name

Bangladesh Finance And Investment

Legal name

Bangladesh Finance PLC

Website

https://bd.finance

Company type

Public

Founded year

1999

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Bangladesh Finance PLC is a Dhaka-based, publicly listed Non-Bank Financial Institution providing loans, deposits, and Islamic banking services to retail individuals, SMEs, corporates, and non-resident Bangladeshis through 7 branches and a mobile app.

Ownership category

akta.pro rank

Product category

Non-Bank Financial Services

NAICS

Depository Credit Intermediation (5221)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Islamic Corporate Banking (FSABAGAC), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Non-bank financial services
• Consumer lending
• SME financing
• Deposit products
• Islamic banking

Headquarters

HQ city

Dhaka

HQ country

Bangladesh

HQ region

Asia

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income from Loans: Primary revenue stream from various loan products including personal loans, home loans, car loans, SME loans, and corporate loans, generating interest income based on negotiated rates
2. Deposit Products: Interest-bearing deposit products including term deposits, monthly deposit schemes, and other savings products
3. Islamic Banking Services: Shariah-compliant financial products and services through Bangladesh Finance Islamic wing, including Mudarabah-based deposits and investment products
4. Fee-based Services: Various financial services including lease finance, syndication finance, and structured finance with associated fees and charges

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Bangladesh Finance PLC is a non-bank financial institution providing loans, deposits, and financial services to small and medium enterprises and individual customers. Its offerings span personal loans, home loans, car loans, SME loans, corporate financing (lease, term, working capital, syndication, structured finance), and a broad range of deposit products including term deposits, monthly schemes, and retirement plans, plus Shariah-compliant alternatives through Bangladesh Finance Islamic.

Differentiator

Problem solved

Functional benefit

Brands

• Bangladesh Finance Islamic: Dedicated Shariah-compliant financial initiative offering ethical and innovative financial solutions tailored to diverse needs of individuals and businesses, providing deposit schemes and financing options aligned with Islamic principles.

Products and services

• Personal Loan Personal loan product for individuals with minimum BDT 200,000, tenure of 12-60 months, with competitive interest rates based on customer profile. Targeted at retail customers seeking personal financing.
• Affordable Home Loan Home loan product offering up to BDT 5,000,000 with maximum 20-year tenure, flexible interest rates, and EMI facility. Lowest interest rates with fast loan processing.
• Car Loan Vehicle financing up to 80% of quoted price, maximum BDT 4,000,000, with up to 72 months tenure. Competitive rates with quick and easy processing.
• Term Deposit Fixed deposit product with deposit amounts from BDT 1,000 to BDT 5,00,00,000, tenure 3-240 months, and interest rates from 1% to 20%. Competitive interest rates with flexible tenure options.
• Monthly Deposit Scheme Recurring monthly deposit scheme with convenient pay-back terms and fast loan processing. Targeted at retail customers seeking disciplined savings.
• BIR (Bangladesh International Remittance) BIR product for Non-Resident Bangladeshis (NRBs) offering deposit solutions and investment opportunities with easy approvals and competitive rates. Designed for international remittance and NRB investment.
• Bangladesh Finance Retirement Plan Retirement planning product with insurance coverage, designed for individuals planning for long-term financial security post-retirement.
• Cumulative Deposit Scheme Deposit scheme targeted at retail customers seeking cumulative savings with competitive interest rates.
• Profit Earners Scheme Income-generating deposit scheme for retail customers earning periodic returns on their savings.
• Profit First Scheme Deposit scheme with profit-first returns for retail customers seeking priority returns on savings.
• Double Money Scheme Long-term deposit scheme that doubles the invested amount at maturity, targeted at retail savers.
• Gunon Named deposit scheme with competitive rates and quick, easy processing for retail customers.
• Green Deposit Environment-themed deposit product offered by Bangladesh Finance Islamic for socially-conscious savers.
• BIJOY SME Loan Flagship SME loan product for small and medium enterprises, providing flexible financing for business growth and operations.
• SME Term Loan Term loan product for SMEs requiring structured repayment for business financing needs.
• New Entrepreneur Loan Startup financing product for first-time entrepreneurs seeking capital to launch new businesses.
• Agriculture Loan Agricultural financing product for farming and agribusiness operations, supporting agricultural investment needs.
• SME Term Industrial Loan Industrial term loan product for SMEs in manufacturing and industrial sectors.
• Lease Finance Corporate lease finance product for capital machinery procurement and equipment financing for large enterprises.
• Corporate Term Loan Term loan product for corporate clients for large-scale capital expenditure and project financing.
• Working Capital Loan Working capital financing product for corporate clients to manage day-to-day operational liquidity needs.
• Syndication Finance Syndicated loan product for large-scale project financing requiring multiple lender participation.
• Structured Finance Tailored structured finance solution for complex corporate financing needs.
• Green Brick Loan Sustainable finance product for environment-friendly brick manufacturers, with interest rate up to 7.5%, 2-5 year tenure, and debt-equity ratio of 80:20.
• Technology Upgradation Loan Sustainable finance product for export-oriented industries, with interest rate up to 5.5%, 3-5 year tenure, and debt-equity ratio of 70:30.
• Bangladesh Finance Islamic Banking Wing Bangladesh Finance Islamic is the Shariah-compliant banking wing offering Mudarabah-based deposits and investment products, deposit schemes, and financing options aligned with Islamic principles under a dedicated Shariah Supervisory Committee.

Quantifiable outcome

• 40,000+ clients served across Bangladesh
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core and minor.

• PalmPay LimitedcoreStrategic or Co-development PartnerBangladesh Finance partnered with PalmPay Limited, a prominent fintech innovator operating in multiple countries with headquarters in London and China, to revolutionize access to consumer electronics in Bangladesh through a new digital loan facility. This strategic collaboration aims to provide digital lending solutions for consumer electronics purchases.
• JatriminorGTM or Marketing PartnerBangladesh Finance entered into a strategic partnership with Jatri, a leading provider of transportation solutions, to offer exclusive nationwide transport services to its clients and employees.
• InterContinental DhakaminorGTM or Marketing PartnerBangladesh Finance partnered strategically with InterContinental Dhaka to enable its clients and employees to access the luxurious Balaka Executive Lounge at Hazrat Shahjalal International Airport.

Scale indicators10 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• IDLC Finance Limited: Largest listed NBFI in Bangladesh offering SME lending, corporate finance, and deposits. Directly comparable to Bangladesh Finance in business model and customer segments, though at much greater scale.
• LankaBangla Finance PLC: Listed Bangladeshi NBFI providing SME loans, corporate finance, and retail deposits. Closely comparable to Bangladesh Finance in target segments and product mix.
• IPDC Finance PLC: Bangladeshi NBFI focused on SME, corporate, and retail financing with both conventional and Islamic offerings. Comparable peer in customer base and product set.
• Delta Brac Housing Finance Corporation: Bangladeshi NBFI specializing in home loans and housing finance. Comparable to Bangladesh Finance's home loan and retail deposit offerings in product category.
• United Finance PLC: Listed Bangladeshi NBFI offering SME and corporate financing plus deposit products. Similar scale and target market to Bangladesh Finance.
• Prime Finance PLC: Bangladeshi NBFI providing SME loans, corporate finance, lease finance, and deposit products. Comparable in scale and operations to Bangladesh Finance.

Emerging players

• bKash Limited: Bangladesh's largest mobile financial services platform. Increasingly competing with NBFIs like Bangladesh Finance for deposits, payments, and small-ticket lending in retail and SME segments.

Broad incumbents

• BRAC Bank PLC: One of Bangladesh's leading banks with a strong SME and retail focus. A larger incumbent offering many of the same products as Bangladesh Finance, including Islamic banking.
• Eastern Bank PLC: Major Bangladeshi commercial bank with SME, retail, and corporate products plus digital banking. Overlaps significantly with Bangladesh Finance's customer segments at greater scale.

Regional players

• National Housing Finance and Investment Limited: Bangladesh-listed NBFI with housing and SME finance offerings. Operates in the same market as Bangladesh Finance with overlapping retail and SME products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/bangladeshfinance
• YouTubeyoutube.com/channel/bangladeshfinance
• Facebookfacebook.com/bangladeshfinance
• LinkedInlinkedin.com/company/bangladesh-finance
• Instagraminstagram.com/bangladeshfinance

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bangladesh Finance And Investment