These terms apply to every project on Puji. A project may add its own security or collateral details, which you will find on its own page.
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1. Profit and loss are shared
Puji does not promise a fixed interest. The rate shown on a project is an expectation - the final return is worked out from the business's actual profit or loss, in the ratio agreed in advance.
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2. Minimum investment
Each project sets its own minimum, usually starting at ৳5,000, and investments are accepted in multiples of that amount. The exact figure is shown on the project page.
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3. KYC and verification
Your KYC must be approved before you can invest. Every project is verified - documents, business details and risk grade - before it goes live.
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4. Payment and confirmation
After you transfer the amount, upload the transaction ID and receipt. Our finance team verifies it, and your investment appears on your dashboard once it is approved.
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5. Term and repayment
At the end of the project term, the principal and your share of the profit are credited to your Puji wallet, based on the actual results of the business.
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6. Withdrawal
Once a project matures, raise a withdrawal request from your dashboard. After verification the money is sent to your registered bank or mobile banking account, usually within 3–5 working days.
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7. Risk
Every business carries risk. If a project makes a loss, the investor bears the loss of capital and the entrepreneur loses their labour. Never invest more than you can afford to lose.
