The aim of this lecture is to figure out the Loan and Advances of Uttara Bank Limited. Other objectives are to identify the loan sanction procedure in different sectors in last some years and identify the credit approval, their securities and monitoring process of Uttara Bank Limited. Here also explain the recovery rates of the loans in different sectors in last some years and have a comparison among them and problems regarding loan and advances and give some recommendations for improving the effectiveness and efficiency of loan and advances services.