Istiqlol Microloan
Special Offer Marking the 35th Anniversary of Uzbekistan’s Independence and the Bank’s 104th Anniversary
Credit amount
Credit interest rate
Credit term
Disbursement Method
How to get a microloan ?
Receive an initial consultation by phone or at a Bank branch
Submit the required documents to the Bank and await approval
Sign a loan agreement with the Bank.
Required Documents
- Passport or another identity document
- Information confirming the borrower’s income
- Documents relating to the microloan security
- An independent appraisal report where property is provided as collateral, if required
- Other documents required by law
The microloan is available to citizens of the Republic of Uzbekistan who are between 18 and 65 years of age, inclusive, on the application date.
SMS
By sending to 2500
By bank
In any bank offices
Bank cards
By SQB Mobile app
Calculator
Microloan purpose:
No specific purpose is required.
Microloan amount:
From UZS 2 million to UZS 100 million.
Microloan term:
Up to 36 months.
Currency:
National currency — Uzbek soum.
Repayment schedule:
Annuity or declining-balance.
Microloan security:
The following may be provided as security:
- a surety provided by an individual;
- an insurance policy;
- a motor vehicle not more than 5 years old from the date of manufacture;
- real estate.
Residential property is not accepted as collateral for microloans with a term of up to 12 months.
Security coverage:
- at least 125% of the microloan amount;
- at least 130% of the microloan amount for parties related to the Bank.
Disbursement method:
Transfer to the borrower’s bank card or cash disbursement in the national currency.
A special offer under the MikroMadad microloan programme, dedicated to the 35th anniversary of the Independence of the Republic of Uzbekistan and the Bank’s 104th anniversary.
For payroll programme participants:
20% per annum
Repayment term: up to 6 months
21% per annum
Repayment term: up to 12 months
22% per annum
Repayment term: up to 24 months
23% per annum
Repayment term: up to 36 months
For individuals with documented income:
21% per annum
Repayment term: up to 6 months
22% per annum
Repayment term: up to 12 months
23% per annum
Repayment term: up to 24 months
24% per annum
Repayment term: up to 36 months
The borrower must be a citizen of the Republic of Uzbekistan;
The borrower must be between 18 and 65 years of age, inclusive, on the application date;
The borrower must have documented income sufficient to make monthly principal and interest payments;
The borrower must have no overdue debt;
The borrower’s credit history relating to loans and microloans is reviewed for the preceding 24 months;
The debt-service-to-income ratio must not exceed 50%;
The total outstanding principal under consumer loans and/or microloans must not exceed eight times the borrower’s average monthly income.
The borrower’s average monthly income is determined by the Bank based on supporting documents and information, including:
Salary information for six consecutive months, excluding periods of annual leave. If there was a break in income during a particular month, funds credited to the borrower’s bank card during that month may be taken into account;
Information on the amount of pension payments;
Information on contributions to the individual cumulative pension account.
Passport or another identity document;
Information confirming the borrower’s income;
Documents relating to the microloan security;
An independent appraisal report where property is provided as collateral, if required;
Other documents required by law.
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Passport or another identity document
Information confirming the borrower’s income
Documents relating to the microloan security
An independent appraisal report where property is provided as collateral, if required
Other documents required by law
Passport or another identity document
Information confirming the guarantor’s income
Other documents required by law
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Application sent Last updated date: 07.10.2026 10:04
