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In Uzbekistan, business licensing and permit issuance mechanism to be simplified

16.04.2014 2398

     On April 15, President of Uzbekistan Islam Karimov signed a Resolution "On measures to further improve procedures related to entrepreneurial activities and provision of public services".
     The document was adopted in order to further simplify and reduce the cost of licensing and permit issuing mechanisms, as well as to provide more freedom to business entities.
     According to the Resolution, from June 1, 2014 some types of business licenses and documents shall be abolished, as well as registration time and fees are to be reduced.
     The Cabinet of Ministers of Uzbekistan jointly with the licensing authorities, Ministry of Economy, Ministry of Justice, State Committee of communication, information and communication technologies of Uzbekistan are instructed to:
     - to introduce by January 1, 2015 at the legislative level, the principle of "one window" in licensing of certain activities;
     - to complete, by the end of 2014, the development and implementation of software for online submission of reporting on fulfillment of license agreement terms.
     The Resolution has also approved the List of projects of priority online services for entrepreneurs through the Single Portal of Online Government Services.
     The State Committee for communication, information and communication technologies of the Republic of Uzbekistan is instructed to provide:
     - coordination and systemic monitoring over implementation of measures to transfer licensed activities and licensing procedures into electronic form, as well as evaluating of effectiveness of the implementation of online interaction of government bodies with business entities ;
     - implementation, jointly with the Central Bank of Uzbekistan, UzKommunHizmat (Utilities Agency), and concerned ministries and agencies by the end of 2014, of specific measures to improve the Portal of housing and utilities by integrating it with electronic payment systems and billing systems of utilities services;
     - to provide, at no cost, access for the concerned ministries, agencies, business associations and business entities to information systems, developed under the Comprehensive Program of the National information and communication system development of Uzbekistan for 2013-2020 period.
     In addition, the Cabinet of Ministers of Uzbekistan jointly with the State Committee for communication, information and telecommunication technologies, other relevant ministries, state committees, agencies and organizations are instructed to ensure, from October 1, 2014, the functioning within the Single portal of online government services of the personal "cabinet for entrepreneurs", allowing to carry out:
     - online application of financial, tax, statistical and other reports;
     - payment of taxes and other mandatory payments, utility bills, state fees for examination and issuance of permits and licenses via Internet banking system;
     - obtaining certificates and other types of interactive government services.
     This Resolution establishes the procedure, according to which from 1 June 2014 business entities are entitled, in electronic form on "one window" principle, to exercise the following procedures:
     - submission and review of applications of business entities for inclusion in the Program of localization – to the Ministry of Economy, Ministry of Foreign Economic Relations, Investments and Trade, State Committee of Uzbekistan on privatization, de-monopolization and competition;
     - submission of documents for loans (up to one year term) in national currency - to serving commercial banks.
     Heads of Cabinet of Ministers Complexes jointly with the Prosecutor General's Office and the Ministry of Justice are instructed within two months to make appropriate proposals on amendments to legislation providing for tougher measures of administrative liability in respect of officials of the state and economic management bodies for illegal interference in the financial economic activity of business entities, as well as excessive bureaucracy in the provision of public services.

UzReport 16.04.2014


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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.

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