BRPD Circular Letter No. 20: Refinance Scheme for Digital Nano Loan

Bangladesh Bank Chief Executive Dhaka. Ref No.: BRPD Circular Letter No. 20 Date: 09 September 2025 Banking Regulation and Policy Department

To, Managing Directors / Chief Executive Officers All Scheduled Banks operating in Bangladesh.

Dear Sir,

Reference is invited to your attention to BRPD Circular No. 11 dated 02 June 2022, FID Circular Letter No. 02 dated 20 June 2022, and FID Circular Letter No. 01 dated 16 July 2023, regarding the context of the Refinance Scheme established to provide 'Digital Nano Loan' facilities to improve the standard of living of the financially included and vulnerable population.

2. In order to reduce economic disparity and develop a financially inclusive and sustainable economy, the Bangladesh Bank previously established an interest-free (zero-interest) Refinance Scheme with a corpus of 100 crore Taka for a period of 3 (three) years to provide low-interest/profit Digital Nano Loans/Investments, considering the needs of the benefited and vulnerable population. Subsequently, the corpus of the Refinance Fund was increased to 500 crore Taka. Now, the size of the fund has been redefined at 100 crore Taka.

3. In order to continue the current Digital Nano Loan program, expand financial inclusion, and habituate and encourage the vulnerable population in digital transactions, the validity of the aforementioned fund has been extended until June 30, 2028.

4. Furthermore, other instructions mentioned in the aforementioned circulars/circular letters will remain unchanged.

5. This instruction is issued under Section 45 of the Bank Company Act, 1991.

Yours faithfully,

(Md. Bazeeur Rahman Sarkar) Director (BRPD) Phone: 9530252.