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Horticulture support
Loans and financing terms to support enterprises engaged in processing and exporting fruits and vegetables

Loans provided by NBU JSC
Loans provided by NBU JSC
Under the comprehensive "Continuous Support for Small Business" Program, tailored for rural and farm enterprises, as well as smallholders.
Loan provided to replenish circulating assets
Replenishment of circulating assets to purchase fruit and vegetable products for storage enterprises, processors, exporters of agricultural products.
Loan term
Up to 18 months
Grace period
Up to 6 months
Interest rate
22.5 percent per annum
Amount of credit
Replenishment of circulating assets to finance agrotechnical measures for enterprises producing agricultural products.
Bank's own funds
Loan term
Up to 12 months
Grace period
Up to 3 months
Interest rate
22.5 percent per annum
Money of the state agriculture support fund
Up to 12 months
Up to 6 months
14 percent per annum
Loans to organize intensive gardens and a refrigerator warehouse, to purchase the equipment for processing fruits and vegetables, as well as refrigerated trucks
Financing projects of business entities operating as legal entities to create intensive gardens and a refrigerator warehouse, purchase equipment for processing fruits and vegetables, as well as refrigerated trucks
Bank's own funds
Loan term
up to 60 months
Grace period
up to 24 months
Interest rate
In national currency 21.0% per annum (including 4.2% guaranteed by the Entrepreneurship Support Fund)
Funds from the International Bank for Reconstruction and Development
up to 84 months
up to 24 months
In national currency 21.0% per annum (including 4.2% guaranteed by the Entrepreneurship Support Fund)
In foreign currency 6 months SOFR + spread + margin of the Ministry of Economy and Finance + margin of the NBU (on average 9-10%)
The loan, the source of which is the International Bank for Reconstruction and Development, is provided for one project in the amount of 60 thousand to 8 million USD.
Loans in national currency provided in cash
Loans in the national currency provided to replenish the circulating assets of enterprises exporting agricultural products on the basis of recommendations submitted by the territorial departments of the Ministry of Investment, Industry and Trade of the Republic of Uzbekistan
Loan term
up to 6 months
Grace period
up to 3 months
Interest rate
22.5 percent per annum
Loans are provided to potential entrepreneurs who have the income from the export of agricultural products, a stable financial position, and liquid collateral.
Loans in foreign currency to replenish circulating assets
Loans are provided by the Agency for Export Promotion under the Ministry of Investments, Industry and Trade of the Republic of Uzbekistan to replenish the circulating assets of enterprises exporting agricultural products
Loan term
up to 12 months
Grace period
up to 3 months
Interest rate
4 percent per annum
To commercial banks, for export-related trade transactions and pre-export financing loans, the agency provides one-time financial resources in the amount of not more than 1 million USD (in the amount of 5 million USD for exporting enterprises with an annual export volume of more than 20 million USD) and for up to one year.
Financing terms of projects "Organization of a modern greenhouse"
  • Project initiator’s accounts must be opened in the system of JSC National Bank of Uzbekistan;
  • Project initiator’s financial position have to be stable with regular cash flows via accounts;
  • As collateral must be provided liquid pledge covering at least 125% of credit amount;
  • In order to share the project implementation risk with borrower, financing cost of contracts/agreements (at least 30%) must be carried out at the expense of the potential borrower’s funds as an advance payment;
  • Providing additional security in the form of a guarantee of a financially stable enterprise with a constant cash flow in order to minimize the risk of loan default;
  • Using the services of qualified agronomists with international experience within the framework of the project;
  • The greenhouse area must be at least 4 hectares (when exporting agricultural products grown in greenhouses with an area of less than 4 hectares, it is unable to load the truck (with carrying capacity of 25-30 tons) and it is non-compliant with sorting (calibration) requirements, as well as not covering other sales costs);
  • Modern greenhouse should be of generation “5” and above (this generation is characterized by the compatibility of the regions of the republic with natural and climatic conditions, completely covered with special glass, maintaining the same set temperature in winter and summer, resistance to natural disasters (especially resistant to strong winds streams (wind speed 130 m/h));
  • Project initiator have to insure harvest grown in greenhouse

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Latest site update date: 07/21/2024 11:19:18 pm

License of the Central Bank of the Republic of Uzbekistan No. 22 dated Dec. 25, 2022
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Правила выдачи кредитов частным лицам
Определение кредитоспособности заемщика
1.1. При выдаче кредита частному лицу банк проводит анализ кредитоспособности заемщика.
1.2. Кредитоспособность заемщика определяется на основании его финансовой и кредитной истории, а также текущей финансовой ситуации.
1.3. Для определения кредитоспособности могут быть использованы следующие критерии
Условия выдачи кредита
При выдаче кредита частному лицу банк устанавливает следующие условия:

  • сумма кредита;
  • процентная ставка;
  • срок погашения кредита;
  • график платежей

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To unblock the card, you must contact the bank branch where the card was opened  with your identity document.
SMS notification for the Uzcard card can be activated through an ATM. SMS notification for the Humo card is activated through the bank branch where the card was opened.
You can order all cards in national and foreign currency remotely using the Milliy App.
  • If you have forgotten your card PIN, please come with your identity document to the bank where the card was opened.
  • If you the card (UzCard/HUMO) is lost, you can block it yourself using the Milliy Bank App or call (78) 148-00 10 and ask the operators to block the card.
The identification procedure is carried out remotely, directly in the Milliy application itself. To do this, on the main screen in the application, click on the photo_2023-04-28_11-16-22.jpg icon in the upper left corner, and then select the “Identification” option from the menu and go through all its stages.
  • To change the phone number registered in the Milliy App, please come to the NBU branch which is convenient for you with your identity document.
  • An e-wallet is a system to store funds, as well as transfer money through an app to an account or bank card.
  • When you reset your password, you enter the "secret question answer"
Currently, the NBU offers the following international money transfers: Western Union, MoneyGram, KoronaPay, Asia Express, Contact, Unistream, Swift, as well as Sberbank.
Users of the Milliy Mobile App can receive transfers from Russia using the Sberbank Online service to an electronic wallet in national currency, to an UzCard or HUMO card of the NBU.

The transfer is made in rubles. Upon receipt on an electronic wallet or card, it is automatically converted into UZS. No additional fees are charged.
  • Visa Direct is a service for money transfer using the Milliy Mobile App to more than 50 countries of the world, including Visa cards of Uzbekistan banks.
  • identity document
  • MTCN or the tracking number
  • full name of remitter
  • country of remitter
  • expected amount of money
It is possible to remotely open, replenish and independently monitor the NBU's deposits using the Mobil App.
  • If you want to transfer the right to dispose of your deposit to a third party, you must execute a power of attorney certified through a notary office.
  • No, you don't. The online deposit can be closed through the app.
  • Capitalization is the addition of accrued interest to the principal amount of the deposit.
  • This is the deposit with no fixed withdrawal period and the depositor can withdraw the funds at any time.
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.
Time for processing takes 1-3 days depending on the completeness of the documents submitted.
Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.
Penalty-free early repayment of the loan is permitted
The period of registration of the company must exceed 1 year
It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.

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