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BICHI
Microfinance Bank

Products & Services

Tailored financial solutions to power your growth.

Loan Products

Micro Loan

Quick credit to boost your daily business operations and inventory.

Designed specifically for micro-traders, artisans, and small business operators needing short-term working capital to maintain stock or expand daily operations.

SME Loans

Substantial capital injection to scale your business operations.

Structured medium-term financing for established small and medium-scale enterprises looking to expand capacity, acquire raw materials, or execute contracts.

Salary Advance

Instant financial buffer before your next payday.

A short-term loan facility for salaried employees working in reputable private firms, government agencies, or structured organizations.

Savings Accounts

Standard Savings Account

An easy-to-operate savings account that helps you build financial discipline while earning interest.

  • Low opening balance
  • Free debit card

Target Savings Account

A goal-oriented savings plan designed to help you save towards specific projects.

  • Lock-in savings options
  • Attractive interest rates

Daily Esusu / Market Collection Scheme

Tailored for daily income earners and market traders. Our field agents collect your daily deposits.

  • Convenient door-to-door deposit collection
  • High security

Current Account

A flexible transactional account designed for seamless day-to-day business receipts, payments, and cheque clearing.

  • Allows third-party cheque clearance
  • Customizable business accounts

Investment Products

Fixed / Term Deposit

Guaranteed returns on surplus funds with flexible tenure options.

Available Tenors

30 days90 days180 days365 days
  • Highly competitive, above-market interest rates.
  • Guaranteed principal and interest upon maturity.
  • Flexible reinvestment or withdrawal at maturity.