# BBL Shubidha

> Digital retail loan application, assessment, and disbursement for BRAC Bank customers. (iPhone/iPad app by BRAC Bank Limited.)

- Source: https://appshunter.io/ios/app/bbl-shubidha/id1628092489 (this page in markdown: same URL + `.md`)
- Developer: [BRAC Bank Limited](https://appshunter.io/developer/937998706)
- Category: Finance, Business
- Price: Free
- Rating: 3.70/5 from 23 App Store ratings · 11 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 100 MB
- Languages: American English
- Released: 2022-09-07
- Data updated: 2026-08-16
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/bbl-shubidha/id1628092489/reviews.md

## What is BBL Shubidha?

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.

## Key features

- Digital loan application and processing
- Check loan eligibility and offers
- View loan product features and merchants
- Secure selfie capture and identity verification
- Real-time loan status tracking
- Digital loan repayment schedule viewing
- User registration and password creation

## Recent user reviews (10 of 11)

All indexed reviews: https://appshunter.io/ios/app/bbl-shubidha/id1628092489/reviews.md

### 5/5 — Best for Loan

*2026-01-22*

I recently took 4,00,000 BDT loan in one tap. Excellent service and the app is smooth

### 1/5 — Work not properly

*2025-05-07*

Logging problem and I can’t login

### 5/5 — Session expired

*2024-10-15*

When i try to log in i got session expired issue . Please fix it.

### 2/5 — Problem completing profile

*2023-09-08*

I have completed KYC verification. Couldn’t fill up profile page as the type in box couldn’t be selected. There is no option to contact support. App design can be better. 

Great initiative though…

Please solve these matters.

### 1/5 — Bakwasssss

*2023-08-12*

App wants communication mobile no but its not editable

### 1/5 — Unable to Login

*2023-08-05*

using ios 16.6 and updated version of BBL astha app is installed but can not login. After providing id an password when pressing the login button nothing happens. But I’m getting notifications from my email that “Customer Login Successful”. Pleases solve this.

### 1/5 — Unable to Log in

*2023-07-26*

I registered for an account through the app, but after the registration, the app is not allowing me to log in. The “log in” button seems unresponsive.

### 5/5 — Bugs

*2023-07-25*

Please Bugs fixed. 
Can’t write in profile pages.

### 4/5 — Operation error: 500

*2022-11-10*

Facing an issue during KyC verification. Since my original nid is lost and i am waiting for my smart card, i tried verification using the photocopy of my NID. The verification worked but during photo taking it is showing operation error. Rest of the functions are working really great.

### 5/5 — Unique idea of Digital Loan

*2022-09-25*

So far smooth user experience. Everything went smoothly.

## Frequently asked questions about BBL Shubidha

### What is BBL Shubidha?

BBL Shubidha is a mobile application by BRAC Bank that allows selective customers to digitally apply for, get assessed, and receive retail loans. It provides an end-to-end digital borrowing experience.

### How do I apply for a loan with BBL Shubidha?

After installing the app, you can check your loan offer, capture a selfie, accept terms, and submit your loan application. Applications submitted by 8 pm on a working day may receive a decision within minutes.

### What are the loan features in BBL Shubidha?

Loans offered through BBL Shubidha have an interest rate of 9% per annum and a tenure of 3 to 18 months. A sample repayment schedule is provided for a BDT 100,000 loan over 12 months.

### What fees are associated with loans from BBL Shubidha?

There is a loan processing fee of 0.5% of the loan amount plus 15% VAT. CIB and Stamp charges are applied at actuals.

### What do I need to use BBL Shubidha?

You need an active BRAC Bank account with a debit card, a smartphone with an iOS operating system, and internet connectivity (mobile data or Wi-Fi).

### Can I track my loan application status?

Yes, the app allows you to view the status of your ongoing applications and loans at any time. You can also view your short profile.

### Is BBL Shubidha secure?

The app is designed to provide a fast, secure, and convenient digital borrowing experience. Specific security measures are not detailed, but it is a product from BRAC Bank.

### How often is BBL Shubidha updated?

The latest version of BBL Shubidha is 7.4.1, which was last updated on April 4, 2026. This indicates a relatively frequent update cycle.

## Version history (last 5 releases)

### 11.0.5 — 2026-08-10

Thank you for using BBL Shubidha.
This new release brings important performance updates and bug fixes.

### 7.4.2 — 2026-08-09

Thank you for using BBL Shubidha.
This new release brings important performance updates and bug fixes.

### 7.4.1 — 2026-04-04

This new release brings performance improvements, bug fixes & security updates.

### 7.3.2 — 2026-01-08

Thank you for using BBL Shubidha app. This update includes important updates to keep your experience stable and reliable.

### 7.2.0 — 2025-12-21

Thank you for using BBL Shubidha app.
This update includes important updates to keep your experience stable and reliable.

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## More apps by BRAC Bank Limited

- [BRAC Bank Software Token](https://appshunter.io/ios/app/brac-bank-software-token/id937998707)
- [BRAC Bank Astha](https://appshunter.io/ios/app/brac-bank-astha/id1525525061)

All apps by BRAC Bank Limited: https://appshunter.io/developer/937998706

## Related topics

[bbl shubidha](https://appshunter.io/ios/topics/bbl-shubidha) · [brac bank shubidha](https://appshunter.io/ios/topics/brac-bank-shubidha) · [brac bank astha](https://appshunter.io/ios/topics/brac-bank-astha) · [brac astha](https://appshunter.io/ios/topics/brac-astha) · [brac bank](https://appshunter.io/ios/topics/brac-bank) · [brac](https://appshunter.io/ios/topics/brac) · [bbl](https://appshunter.io/ios/topics/bbl)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-16.*