Updated: 05-09-2026
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up to100 000 000 UZSloan amount -
from 0 %interest rate -
up to 30 (thirty) daysloan term
| Key features of the proposed “RTM ONLINE” product | |
| Indicator | Value / Description |
| Purpose of the loan | In accordance with Resolution of the Cabinet of Ministers of the Republic of Uzbekistan No. 833 of 30 September 2019, provision of an online loan to cover the advance payment required for participation in tenders by entrepreneurs and other legal entities taking part in the sale and purchase of goods and services through the electronic cooperation portal of Digital Transformation Centre LLC (hereinafter — the Centre). |
| Client segment | All types of entrepreneurs and other legal entities |
| Lending method | Granted through a closed credit line (offer agreement) by transferring funds to the digital transformation account |
| Stop factor | - no overdue loan debt; - over the last 6 (six) months there must have been no overdue debt on loan principal or interest classified as NPL (payment overdue by more than 90 days). |
| Loan amount | The advance payment for participation in tenders held through the electronic cooperation portal, but from 500,000 (five hundred thousand) to 100,000,000 (one hundred million) soums |
| Loan term | Up to 30 (thirty) days, however if declared the winner of the electronic procurement, with the right to use the loan for up to 12 (twelve) months |
| Loan currency | National currency (soum) |
| Fee for using the platform (discount) / loan interest | a) up to 30 days — 1%, but not less than 100 thousand soums; 0% discount if the client uses the loan for the first time b) 28 % per annum for a term exceeding 30 days. |
| Calculation of interest / discount | a) The discount is charged once for a 30-day term; b) Interest is accrued daily at a fixed rate and repaid on a differentiated basis according to the set schedule |
| Procedure for paying interest/discount | a) Payment of the discount: paid before the loan is granted from the client’s account (out of the client’s own funds) or through other payment instruments; b) Payment of interest: paid from the funds in the client’s account according to the schedule. |
| Principal repayment procedure | If declared the winner of the electronic procurement: Repaid on the day the winner is announced or according to the schedule, out of the client’s own funds; If not declared the winner of the electronic procurement: On the day the winner is announced, in accordance with the offer agreement, the funds are returned to the loan account without the client’s consent (without acceptance). |
| Collateral for the product | No collateral required |
| Special condition | For projects that use the platform of the Digital Transformation Centre and the bank but do not meet the requirements of this product passport, existing loan products may be used by visiting the bank’s regional branches |
ДNo documents are submitted to the bank in order to use this loan product; all processes are carried out online through the special platform of the Digital Transformation Centre and the bank, by opening an account online (for prospective clients) and taking out the loan online.