BBL Shubidha vs Brac Agami Usage & Stats
BRAC Bank (BBL) 'Shubidha' is a mobile-based app through which selective customers can avail of retail loan products digitally. The app performs end-to-end digital loan processing, including loan application, assessment, and disbursement. You can now enjoy a digital borrowing experience in a fast, secure, and convenient way using the BBL Shubidha app.
After installing the app, you can:
1. Know about the digital loan products of BRAC Bank:
· See product features and benefits;
· View a list of merchants from where you can purchase your desired product(s) with a digital loan.
2. Check your eligibility & apply for a digital loan:
· Check the loan offer in-store for you;
· Capture your selfie;
· Accept terms & conditions of the digital loan;
· Submit loan application by 8 pm of the working day.
3. Get your loan decision:
· Wait for a few minutes for a decision on your applied loan;
· Get Loan Reference Number if the loan is approved.
4. Pay loan processing fee:
· Visit the merchant outlet & select your desired product;
· Inform the merchant to assist you to buy the product with a digital loan;
· Pay a loan processing fee from your BRAC Bank account through the app.
5. Get product delivery:
· Inform merchant about the product delivery code sent in your app;
· Get delivery of your product.
6. View anytime:
· Status of your ongoing application and loans;
· Your short profile.
7. Pre-login features:
· Registration for New User;
· Password creation.
Loan features:
· Interest rate of 9% per annum;
· Tenure of 3 to 18 months;
· Sample Loan Repayment Schedule:
If you have availed loan of BDT 100,000 @ 9% interest per annum and tenure of 12 months, your Equal Monthly Instalment (EMI) will be approximately BDT 8,745. Therefore, the total cost of the loan (principal + interest) will be BDT 104,942. In addition to interest, you have to pay loan processing fee before availing the loan as follows:
Processing fee: 0.5% of loan amount + 15% VAT
CIB & Stamp Charge: At actual.
All you need:
• An active account and a debit card with BRAC Bank;
• A smartphone with an iOS operating system;
• Internet connectivity through mobile internet or Wi-Fi.
We welcome your feedback and suggestions; please call us at 16221.
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Introducing BRAC ‘Agami’ - the first financial application for registered Progoti clients. Get 24/7 access to your loan and savings information from your iOS devices. It is a free app that you can access if you are a registered BRAC Progoti client and avail our various services at your fingertips from anywhere at any time. Log in using your registered mobile number and birth year which you had previously used during BRAC Microfinance Progoti registration.
All your information will be safe since we have a 2-factor authentication mechanism in place for you. This means you will only be able to log in after providing OTP sent to your registered mobile number.
GETTING THIS APP ON YOUR MOBILE
First-time logging in?
You can log in to the ‘Agami App’ by inputting your BRAC Microfinance Progoti registered mobile number and birth year. Then, you’ll receive an OTP. Input the OTP in the required field and set a PIN for future login. Now, log in and start your journey with Agami App!.
HAVE YOUR LOAN & SAVINGS SPECIFIC INFORMATION
You can now access information of all your active loans and savings information from anywhere at any time right after login. You can also access detailed information and check your outstanding along with the due date.
KEEP TRACK OF YOUR PAYMENT HISTORY
See and match your payment history for your enrolled loans and savings products.
PRODUCTS FOR YOU
Get to know about all the other products offered by BRAC Microfinance for its Progoti clients. Assess your eligibility for the product and send a request to apply for a loan. You can also calculate your probable installment.
PROFILE AND NOTIFICATION
In the profile section, see the branch and area office information of BRAC that you are tagged with. Get notifications for relevant transactions and updates from BRAC.
CONTACT
Call our Help Centre at 096-77-444-888 for any support required to ease the usability of the app
Reach out to ‘BRAC Microfinance Call Centre- 16241’ for any assistance regarding your enrolled services
Find the contact number of your Credit Officer and Area Manager if needed
EASE OF ACCESS
Use the app in either Bangla or English at your convenience and change between the two whenever you want.
Get information of your loan and savings, other products, transaction history and access our loan calculator.
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- Finance
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BBL Shubidha VS. 
Brac AgamiJanuary 1, 2025