BankDhofar SAOG Personal Loan

Minimum Salary needed OMR 350
Maximum amount available Not mentioned
Length of Loan Maximum Loan Tenor is 20 years (in addition to a maximum of 4 years for deferments)
Profit Rate 7% p.a.
Upfront Fees ( if any ) OMR 25
Eligibility A permanent employee of the Government of Oman; A permanent employee of Semi-Government establishments of Oman; An employee working in the private sector listed with BankDhofar; 18 years to 60 years – Male; 18 years to 55 years – Female; The applicant should complete at least 4 months with the current employer; The applicant should not be blacklisted with BankDhofar or Central Bank of Oman (CBO) caution list; DBR (Retail Loans excluding Housing Loans) 60-70%; DRB (Retail Loans including Housing Loans) 65-75%
Main Features The deferments include Eid and any other additional installment deferments. Only 2 additional installment deferments are permitted during the entire tenor of the loan. The first deferment will be after a gap of six months; Eligible expatriate borrowers working for employers in the approved list shall be eligible for retail loans under the schemes for an amount equivalent to 90% of the End of Service Benefits, repayable before the end of the borrower’s employment contract with the employer or, within 24 months, whichever is earlier as long as it is within this policy

BankDhofar SAOG Muscat

BankDhofar is Oman’s one of largest financial and banking power houses by market capitalization as well as asset base. It was established two and a half decades ago, launching its operations with a mere 2-branch network. From that time on, the bank has enjoyed a robust, quick and revolutionary expansion and it has more than 65 branches and 139 ATMs located throughout Oman.
BankDhofar SAOG Muscat has adopted modern banking technologies that such as online, mobile and electronic platforms. It is committed to serve both retail and corporate clients. The bank is in the business of financing varied levels of business ventures that range from large-scale businesses to SMEs. Additionally, all its activities are in concord with Shariah law and requirements.


Muscat is one of the most popular and historical cities in the Middle East. It is the largest city in Oman as well as   the sultanate’s capital and official seat of government. It is experiencing a rapid growth with a blossoming economy and a cosmopolitan population that is above 1.2 million dwellers.
It is not just an ancient city; Muscat has also experienced commercial and political preeminence in the region for many generations. Muscat is a commercial port interlinking the Eastern and Western trade dichotomies and its on-going modernization and growth boom is positioning it as an influential trade hub. The core of the city’s economic activities is trading, porting and petroleum.

Personal Loan

Our Personal Loan product offers you a helping hand by scaling down all mountains standing in your way to fulfilling your financial dreams. They come in form of first-time loans, top-ups and buy-outs.



  •     Cash of up to OMR  500,000;
  •     Repayment period of up to 10 years and 2-year deferring  allowance;
  •     A monthly loan installment repayment of up to 50% of your net monthly salary; and
  •     Top-ups available after 24 repayment months or 50% of the loan has been repaid.



  •     Minimum salary of OMR 320;
  •     Applicant must be 18 years and above; and
  •     Applicant must be employed by organizations approved by the bank.