Basically Ultra-poor means the people whose daily energy consumption is less than 1,600 Kcal against the recommended daily need of 2,250 Kcal. Many of them are found begging for their livelihood. Others include people who sell physical labor, cannot take care of children's education, food, clothing, etc. Basically these are the people who have nothing for their livelihood, neither a piece of land, nor any saving. DISA provides loan to these ultra-poor which termed as BUNIAD to enhance their income and improve their livelihood status. This program is being operated by DISA in all of its branches. As on September 2017, Tk. 46.58 million has been disbursed under this program among 623 borrowers.