UTTARON is the Bangla synonym of “Graduation”, which is a “comprehensive, time-bound, integrated and sequenced set of services”* that enable small, micro and cottage entrepreneurs to achieve business sustainability and economic resilience, in order to contain and progress his/her enterprise to higher level of business.

The concept of UTTARON has been evolved as an approach to address the challenges of “Access to Bank Finance” face by SME and Startups.

UTTARON is an investment readiness programmer for Small, Micro and Cottage Enterprises (SMCE), emphasizing on women and youth entrepreneurship in on-farm and off-farm activities.

UTTARON offers a complete package that includes: business literacy, bookkeeping, market access and procurement of goods and services in cash or in kinds through an SME Card.