Small and Medium Enterprise (SME)
Investment Operation

The SME Sector has been declared by the Government as a priority sector. In our country, Small and Medium Enterprises (SMEs) play the pivotal role for employment generation, poverty alleviation and overall economic growth of the country. It has been observed that fund is the major constraint of this sector. Therefore, we need to inject more funds into this sector in a very planned manner to boost-up this sector for the sake of overall economic development of the country. Our country is labour abundant and SMEs are typically labour intensive. So, the sector deserves more investment facility for smooth functioning of the existing enterprises and expansion of the same with a view to retain the workforce active as well as creating more employment opportunities. Further, investment in SMEs can be very effective in reducing poverty as well as ensuring long term economic growth.

Shahjalal Islami Bank PLC is a modern commercial bank governed by the principles of Islamic Shariah, which is committed to implement and materialize the economic and financial principles of Islam in the banking sector. It has undertaken initiatives for investment in SME sector by introducing a number of SME products in the market gradually with a view to patronizing the trade, commerce and industrial entities with equity & justice and to make effective contribution for creating employment opportunities, which will ultimately help the nation for poverty alleviation from the society.

UDYOG - Empowering Young Entrepreneurs

Turn Your Business Idea into an Opportunity for Growth
Shahjalal Islami Bank PLC. is pleased to support young entrepreneurs under UDYOG - Upazila-Driven Youth Opportunity for Growth, an initiative of Bangladesh Bank designed to promote youth entrepreneurship, productive employment and inclusive economic growth.

Key Features

  •   Age: Up to 28 years on the application deadline
  •   Financing: Up to BDT 20 lakh in blended financing
  •   Structure: Up to BDT 10 lakh bank financing + up to BDT 10 lakh grant, subject to assessment and eligibility
  •   Rate of Profit: Existing Refinance/Prefinance Scheme of Bangladesh Bank
  •   Collateral: Financing may be provided without collateral security, as per the programme guidelines
  •   Business Sectors: Agriculture, food processing, fisheries, livestock, handicrafts, tourism, services, renewable energy, light engineering, technology-based startups and other lawful businesses
  •   Additional Support: Financial literacy, entrepreneurship development, mentoring and market linkage support


Who Can Apply?
The applicant must be an adult citizen of Bangladesh, a permanent resident of the relevant upazila, and have a viable business idea or an existing business with realistic growth potential. Applicants with previous bank/financial institution business loans, loan defaults, or employment in government/semi-government/autonomous institutions are not eligible under the programme.

How to Apply
Eligible applicants may submit the prescribed UDYOG Application Form to any branch in the relevant upazila or from Banks Website. Required documents include NID/birth registration, educational certificate (if applicable), citizen certificate and relevant training/entrepreneurship development certificate (if available).

Application Deadline
15 October 2026, or any other date as may be determined by the competent authority.
At Shahjalal Islami Bank PLC., we believe that empowering young entrepreneurs today can create sustainable businesses, employment and opportunities for tomorrow.

Start with your idea. Build your business. Grow with opportunity.
Financing and grant support are subject to Bangladesh Bank guidelines, eligibility, assessment, availability of funds and the Bank’s applicable policies and procedures. Submission of an application does not guarantee approval.