Frequently Asked Questions

Who can invest on Biniyog Club?

Any Bangladeshi citizen aged 18 or above with a valid National ID can invest. Non-resident Bangladeshis (NRBs) may also invest subject to applicable regulations.

How do I create an account?

Click 'Start Investing' on the homepage, enter your name, email, and phone number, then verify your email. KYC verification is required before your first investment.

What is KYC and why is it required?

KYC (Know Your Customer) is an identity verification process required by Bangladesh's financial regulations. It protects both investors and farmers from fraud. You'll need to submit your National ID and a selfie.

How long does KYC verification take?

KYC is typically reviewed within 24–48 business hours. You'll receive an SMS and email notification once approved.

What is the minimum investment amount?

The platform minimum is ৳5,000. Individual projects may set higher minimums, which are clearly displayed on each project page.

Can I invest in multiple projects?

Yes. We encourage diversification across different crop types, regions, and durations to spread risk.

What happens if a project doesn't reach its funding goal?

If a project fails to reach its minimum funding threshold by the deadline, all invested funds are returned to investors' wallets in full — no fees charged.

Can I cancel my investment after committing?

Investments can be cancelled within 48 hours of commitment, provided the project has not yet reached its funding goal. Once a project is fully funded and active, investments cannot be cancelled.

How are returns calculated?

Returns are calculated based on the expected return percentage shown on each project page. For fixed-return projects, you receive a guaranteed percentage. For profit-share projects, returns depend on actual harvest proceeds.

When do I receive my returns?

Returns are distributed after the crop is harvested and sold. This typically occurs at the end of the project duration. You'll receive a notification when funds are credited to your wallet.

How do I withdraw my money?

You can withdraw from your wallet to a registered bank account or mobile banking number (bKash, Nagad, Rocket) at any time. Withdrawals are processed within 1–3 business days.

Are there any fees?

Biniyog Club charges a platform fee on returns only — not on your principal. The fee percentage is disclosed on each project page before you invest. There are no hidden charges.

What are the risks of agricultural investment?

Agricultural investments carry risks including adverse weather, pest damage, disease, and market price fluctuations. We mitigate these through crop insurance, diversified project structures, and experienced farmer selection.

What happens if a crop fails?

In the event of a partial or full crop failure, investors are notified immediately. We work with farmers to recover maximum value. Where crop insurance applies, claims are processed and distributed to investors.

Is my money safe on the platform?

Uninvested wallet funds are held in a segregated escrow account. Invested funds are protected by legally binding contracts. We do not use investor funds for platform operations.

Is Biniyog Club regulated?

Biniyog Club operates under applicable Bangladesh financial regulations. All investment contracts are legally enforceable. We are committed to full regulatory compliance as the agri-fintech regulatory framework evolves.

How do I apply as a farmer?

Visit our Contact page and select 'Farmer Application'. Our team will reach out within 3 business days to begin the onboarding process.

Do I need to own land to apply?

No. You can apply with leased land, provided you have a valid lease agreement of at least one full crop cycle duration.

What are the repayment terms?

Repayment terms are agreed upfront and documented in your project contract. Repayment occurs after harvest and crop sale — there are no monthly installments.