Lending products

GEFF Tajikistan

GEFF Tajikistan provides finance, technical assistance and investment incentives to the private sector to contribute to the country’s sustainable growth. GEFF Tajikistan is а product of the EBRD, working in cooperation with the European Union, the Green Climate Fund and the Republic of Коrеа. The Facility operates through Participating Financial institutions, supporting country’s green economy transition, with $25 million of financing for energy and resource efficiency investments. GEFF Tajikistan helps businesses, farmers and households to reduce energy and resource-related costs and improve competitiveness through high performance technologies and practices.

In partnership with the European Union, GEFF Tajikistan offers investment incentives for farmers and businesses across agricultural value chains, investing in modern and efficient equipment and technologies. The technical support is provided by а local GEFF team for various stages of project origination, investment appraisal and project implementation. This helps identify the best solutions and ensures that the investment proposal is technically eligible to be financed under GEFF.

Who is eligible:

The following categories of borrowers can apply to GEFF financing:

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What is eligible for financing:

Two broad categories of investments are eligible to be financed using GEFF:

Ø  Investments in standard pre-approved high-performing green technologies available on the online Green Technology Selector. The Green Technology Selector is an open list, and adding technically eligible items is free. If you know of an item that meets these technical criteria but is not yet on the list, you may add it here.

Ø  Positively assessed complex investment projects that lead to energy, resource and water savings not less than 20% respectively, as well as the positive environmental effect.

Examples of eligible technologies, including and not limited to the following core eligibility criteria:

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GEFF benefits

Green economy investments are good for the economy, good for the environment that reduce greenhouse gas emissions, enhance energy and resource efficiency. GEFF benefits for private sector beneficiaries:

Ø  Reduced energy, water and resource consumption and costs

Ø  Better productivity and reliability of equipment

Ø  Increased profitability and competitiveness

Ø  Increased comfort and value of the property

How to apply

Ø  Send your request by e-mail ContactCenter@eskhata.tj so that our experts contact you

Ø  Call us now to the number 808 and our specialists will assist you in completing your application, selecting your technology and supplier

Ø  Visit our nearest branch and submit your application.

 Credit terms:

  • Credit amount: from 5000 to 1 000 000 TJS;
  • Credit currency: TJS, USD;
  • Annual interest rate: 

       - up to 300,000 TJS 28% per annum for loans in TJS
       - over 300 000 TJS 26% per annum for loans in TJS
       - loans in foreign currency are provided according to the published tariffs

  • Credit term: up to 60 months (it is possible to get a grace period)

         Required documents:

  • Passport
  • TIN
  • Other documents, according to the requirements of the credit product 


GEFF- Green Economy Financing Facility!



"Mevai tilloi" (Golden fruit) Credit

This product is presented in the framework of agro crediting and financing of agricultural enterprises and covers Isfara, Kanibadam and Asht regions.

Purpose of the credit: Support of individuals and legal entities who are planning to buy apricot crops or need money in the season of picking crops of apricot trees.


Credit amount is from 1000 to 60 000 TJS

·          Up to 15 000 TJS is issued without pledge and guarantee


Credit term is up to 12 months

·          Preferential period is 6 months


Credit currency:

·          TJS

·          Russian rubles


Monthly interest on credit:

·         Up to 2,1%  is for credits in TJS

·         2%  is for credits in Russian rubles


Period of product validity

·          Annually from May to August


Gather the harvest of golden apricots together with the «Mevai tilloi» credit!




Car loans!

You dream about car for a long time, but lack for money?

Now your dreams about new car get real!

Bank Eskhata introduce new lending product “Car Loans”.  The Bank is ready to pay up to 70% of the car cost with low rates.

Lending conditions:

  • Loan amount is from 30 000 to 200 000 somoni.

Lending period:

  • Up to 36 months.

Interest rates:

  • 24% for TJS

Flexible repayment schedule:

  • When you do early repayment, fee is not charged.


  • Purchased vehicle

The product advantages:

  • Simple system of the collateral
  • No insurance
  • Simplified form of documents
Do not think too much, but proceed and realize your dreams!


Additional financing for your shopping!

You are in need, and the payday is still far? Then you can solve your problem using new service fr om Bank Eskhata: overdraft on payment cards!
Overdraft on payment cards is an issuance of short time lending if you lack money on your payment card account. Other words, it is a loan until the payday.

Advantages of the overdraft on payment cards:
―    Sign up the service is easy.
―    No need to draw up papers again and for every time.
―    Overdraft limit depends on the wage amount.
―    Signing up is free of charge!

Necessary documents to sign up the service overdraft:
―    Application
―    Passport copy
―    Wage reference for the last 6 months

Overdraft service terms:
―    Currency – TJS
―    Monthly interest rate – 3.33%
―    Repayment period – 60 days
―    Overdraft lim it – 40% of the monthly wage (for customers working under payroll agreement
―    Overdraft service term is according to the term of the payment card


“Manzili” (Housing)

Eskhata Bank in partnership with the Ministry of Economic Development and Trade of the Republic of Tajikistan, as well as jointly with the German Development Bank (KfW) in May 2015 introduced a housing finance project, the purpose of which is to facilitate the improvement of housing conditions of the population of the Republic of Tajikistan.


For home renovation and housing construction:                                 

·         Amount of loan: from 10 000 up to 200 000 TJS

·         Term: up to 60 months

·         Percent: 22% per annum in TJS, 

·         Collateral: real estate, movable property and third-party guarantee.

For purchase of house:

·         Amount of loan: from 10 000 up to 350 000 TJS

·         Term: up to 120 months

·         Percent: 22% per annum in TJS

·         Minimal advanced payment: no less than 30% from the amount of house

·         Collateral: real estate and third-party guarantee

“Manzili” loan - enjoy a beautiful and comfortable life!

Multi-purpose consumer loans

Multi-purpose consumer loans

Do not think, but act and realize your plans!

With multi-purpose consumer loans from Eskhata Bank, your dreams come true!

Loan purpose: Satisfaction of customers' personal needs

Our conditions:

Loan amount: up to 100 000 TJS


From 500  up to 100 000 TJS 31% for new, 30% for repeated

Terms of loan: up to 36 months

Collateral security: Guarantor, home property, gold, real estate, equipment, cars, goods in circulation, deposit.

Necessary documents: Passport, TIN, employment certification, certificate for those who have income from money transfers, issued by the point of money transfers.