FRIDAY September 4, 2015  
Islamabad, May 20, 2015: Khushhalibank (KBL), one of the fastest growing microfinance banks in Pakistan, signed a Memorandum of Understanding (MoU) with Pakistan Post. Under this MoU, Khushhalibank will offer a financing scheme to Pakistan Post for purchase of Motorcycle to its employees on easy installments without down payment and immediate transfer of the ownership of motorcycle to the employee.                  USAID Pakistan has inked an 8 year tenure Loan Portfolio Guarantee (LPG) MoU with four partner banks, of which Khushhalibank, one of the leading Microfinance banks in Pakistan, is one . The announcement was made at the U.S. – Pakistan Business Opportunities Conference held in Islamabad on 9 March, 2015, jointly organized by USAID, USAID Development Credit Authority (DCA), and the Government of Pakistan to facilitate Pakistani companies in improving and creating international trade relationships                  Khushhalibank, one of the leading microfinance institutions in Pakistan, recently penned an agreement with renowned telecommunications service provider, Mobilink, in order to provide payment facilitation services to the unbanked and under banked markets in Pakistan.                  The Board of Directors of Khushhalibank Limited (KBL) in its 47th meeting held in Islamabad, announced annual operating results of the Bank. KBL's pre-tax profit of PKR 942million increased by 75% against last year's profit of PKR 538million.                  Karachi-25 November, 2014 - Striving to expand the outreach of financial services and enterprise acumen at the grassroots level, the 8th Microfinance Country Forum concluded at a local hotel in Karachi on Tuesday November 25, 2014.                  Islamabad-17 November, 2014 - Khushhalibank was one of the sponsors of the SAMN regional conference 2014 titled "Banking the South Asia's Half Billion unbanked" held at Serena Islamabad. Arranged by Pakistan Microfinance network (PMN) the conference was inaugurated by Ahsan Iqbal Federal Minister for Planning, Development and Reforms.                  Karachi-19 September, 2014 - Khushhalibank, the country's premier microfinance institution, sponsored the 5th LADIESFUND Entrepreneurship Conference (LEC 2014) which was held in Karachi. Khushhalibank has been one of the leading sponsors for LEC for the past 2 years.                  Swabi-26 December, 2013 - Khushhalibank, one of the country´s leading microfinance institution, has introduced Sarsabz Karobar, an agriculture based product which is a joint venture between Khushhalibank and its value chain partner Connecting Agro Value Chain Private LTD- CAVC.                  Islamabad- November 28, 2013 -The 7th Pakistan Microfinance country forum concluded at Ramada Hotel, Islamabad with a joint agenda for empowering women in Pakistan. Khushhalibank the largest Microfinance bank was a joint sponsor of this event.                  Islamabad - September 21, 2013 - Khushhalibank and Dawood Global Foundation jointly sponsors 4thLadiesfund Entrepreneurship Conference held in Karachi to train women entrepreneurs and raise funds for women empowerment in Pakistan.                  Islamabad - 12 August 2013 - Boosting Access to Finance: "If women cannot access financial resources, they are disadvantaged in their ability to pursue economic opportunities - Financing is an important means with which to pursue growth opportunities & Microfinance has partly compensated women's access to formal finance". M. Ghalib Nishtar, President Khushhalibank.                  Islamabad, 22 July, 2013 - Khushhalibank supports Women Entrepreneur Economic Empowerment at US-Pakistan Women's Council event at Islamabad Chamber of Commerce and Industry's (ICCI) head office to highlight business opportunities for women entrepreneurs in fashion and textile industry.                  Islamabad, 6 June 2013 - Khushhalibank Funds South Punjab Women Entrepreneur Handicraft Festival and Seminar 2013 organized The South Punjab Women Chamber of Commerce and Industry Multan near Eidgah Khanewal road Multan.                  Islamabad, 1st July, 2013 - Khushhalibank clients recognized at the 8th CITI- PPAF Micro Entrepreneurship awards. The purpose of the award was to highlight the performance of the Microfinance sector and appreciate the work of borrowers who were able to bring a significant change to their lives after receiving microfinance loans, serving as a role models for others in their respective communities. Bache Singh from Mithi from Sindh and Huzoor Bukh from Balochistan were the award winners representing Khushhalibank.                  Islamabad, 2nd May 2013 - The State Bank of Pakistan hosted the Micro Finance Mela 2013 held at Craft Bazar Bahawalpur and was participated in by Micro Finance Banks. Khushhalibank's stall displayed different hand crafted garments, decoration pieces, utensils and jewellery etc created by Khushhali clients.                  Islamabad, 15 April 2013 - Khushhalibank participated in the 3rd Islamabad Expo 2013 organized by Islamabad Women Chamber of Commerce and Industry, showing their untiring support and commitment to budding women entrepreneurs in Pakistan.                  Karachi, 25 March 2013 - Khushhalibank took a positive step towards the support and uplift of the industrious yet underprivileged strata of Pakistani population through the launch of Sehat Khushhali, Sehat Khushhali is Khushhalibank's first health insurance product for high quality in-patient treatment for its clients, free of cost.                  Islamabad, 21 March 2013 - Khushhalibank signed a 3-year Microsoft Enterprise Agreement with Microsoft Pakistan and InfoTech (Pvt.) Ltd, Microsoft's Direct Large Account Reseller in Pakistan.                  Karachi, 4 March 2013- Malala Yousafzai, the world's youngest nominee for the Nobel Peace Prize from Pakistan, was honored with LADIESFUND® Khushhalibank Idol Award at the 5th Ladiesfund Awards 2013 ceremony held at Mohatta Palace                  Islamabad, February 27, 2013: Khushhalibank Limited, the first licensed microfinance bank in Pakistan expanded its network by opening six new branches in the Punjab region during the month of February 2013. These branches were opened in Minchanabad, Chiniot, Muzaffargarh, Fort Abbas, Alipur and Sadiqabad.                  September 15, 2012, Khushhalibank, joined hands with Dawood Global Foundation (DGF), Dawood Capital Management Limited (DCM) and Higher Education Commission (HEC) to promote women entrepreneurship by sponsoring the third LADIESFUND Entrepreneurship Conference, themed Cutting Edge Entrepreneurship (LEC 2012) n Karachi.                  August 10, 2012, Khushhalibank announced that it is extending its partnership with ShoreBank International Ltd (SBI), to develop and roll-out Khushhalibank branchless banking services in partnership with a national payment platform provider.                  June, 20, 2012, Khushhalibank sponsored a Sports Festival in Bhojowal village, Mandi Bahauddin. The festival consisted of an exclusive Kabaddi match, which was played between two local teams.                  May 31, 2012, SME Business Support Fund (BSF) and Ministry of Finance, Government of Pakistan arranged a SME FINANCIAL EXPO 2012 in Lahore.Khushhalibank also participated in the Expo by setting up a stall to provide information to the participants about microfinance in general and its products and services in particular. Ghalib Nishtar, President Khushhalibank who was the Guest of Honor at the Expo.                  14 May 2012: Khushhalibank launches its 100th Online branch at Pattoki. Online/ real-time banking allows clients to access their funds and make transactions from any of the real-time branch offices of the bank.                  Islamabad, 5 March 2012, Pakistan and Afghanistan are committed to strengthen Microfinance Sector. It was agreed at the meeting between Ghalib Nishtar, President, Khushhalibank and visiting officials from Afghanistan that both Pakistan and Afghanistan, being neighboring developing countries in the Asian region, can benefit by developing and promoting the financial Infrastructure to support microfinance through continuous knowledge and skill sharing experiences of their respective markets.                  Karachi, February 2012, Khushhalibank and IBA Entrepreneurship Society Announce Winners of the ISERVE 2012 - a unique social enterprise competition aimed at providing students a platform to contribute significantly towards the community in the form of sustainable social ideas and creating a new generation of viable social ventures.                  Peshawar, 23 February 2012, Khushhalibank and Beacon-house join hands for 'Model United Nations 2012' (MUN). MUN is an academic simulation of the United Nations that aims to educate participants about current affairs, international relations, diplomacy and the United Nations agenda. The Frontier Campus Beacon-house Model United Nation (FC-BMUN) is the first ever MUN conference to be held in Peshawar.                  Islamabad, February 1, 2012, Khushhalibank and NUST join hands to host All Pakistan Model United Nations Conference 2012.                  September 21-22, 2011, Khushhalibank sponsors the World Islamic Finance Summit 2011.                  September 20, 2011, Khushhalibank partners with the National University of Sciences and Technology (NUST) as platinum sponsor in a nationwide business plan competition, titled 'Discover - Prosperity through Entrepreneurship'.                  September 16, 2011, Khushhalibank joins hands with Dawood Global Foundation (DGF) to promote women entrepreneurship by sponsoring the second LADIESFUND Entrepreneurship Conference (LEC 2011).                  August 01, 2011, The first Center for Entrepreneurship and Leadership (CEL) by SME Business Support Fund (BSF) was inaugurated at SZABIST Islamabad by Ghalib Nishtar, President Khushhalibank.                  May 25, 2011, The Microcredit Summit Campaign (MSC) status report ranks Khushhalibank as one of the biggest microfinance entities of the region having served two and a half million relationships and having over four hundred thousand active clients.                  May 05, 2011 , Khushhalibank and Western Union signed an agreement to introduce international inbound remittance services in 76 districts across Pakistan where Khushhalibank operates. This agreement makes KBL the first microfinance institution in Pakistan to introduce the cross border inbound remittance service, thereby facilitating a large segment of rural population to receive money from overseas through Khushhalibank's wide network of 109 branches.                  May 03, 2011 , JCR-VIS Credit Rating Company Limited (JCR-VIS) has upgraded the entity ratings of Khushhalibank, to 'A' (Single A) from 'A-' (Single A Minus) for the medium to long-term and A-1 (A One) from A-2 (A Two) for the short-term. The ratings reflect Khushhalibank's ability to withstand tough operating environment and maintain its market standing. It also highlights the bank's position as one of the largest microfinance bank operating in the MFB sector in Pakistan.                  February 26, 2011, Khushhalibank, while acknowledging the contributions made by young entrepreneurs in various sectors became the exclusive partner of IBA Verve 2011 organized by IBA Entrepreneurship Society (IBAES) and Center for Entrepreneurial Development. The event took place in Karachi and was graced by the some of the country's most renowned businesspersons. IBA VERVE 2011 was a unique platform in which students were exposed to real life success stories and industry best practices.                  February 22, 2011, Khushhalibank's clients won the highest numbers of awards during the 7th Citi-PPAF Awards held in Islamabad. Sajan, a client of Mithi Branch, was awarded a prize of Rs. 110,000 for being the Regional Winner from Sindh. His loan officer Jhaman Das received a cash prize of Rs. 25,000. In runners up category, Kalsoom Bibi from Rawalpindi Branch and Muhammad Azeem from Gawadar Branch were awarded a cash prize of Rs. 80,000 each and their loan officers Adeel Shaehzad and Khadim Hussain were given a cash prize of Rs. 20,000 respectively.                  August 11, 2010, Khushhalibank successfully completes 10 years of micro-finance banking in Pakistan. Ghalib Nishtar, President Khushhalibank, expressing his views on the occasion said, "Today, we have made our contribution by making a difference in hundreds and thousands of lives across the country by providing financial service access to the unbanked segments of the population."                April 19, 2010, Khushhalibank held its Annual Sales Conference at PC Bhurban to review the performance for the year 2009. The conference was chaired by Ghalib Nishtar, President, Khushhalibank and attended by all Departmental Heads and the Retail Unit from the Corporate Office, and Regional Business Managers and Territory Portfolio Managers from their respective Regions.                  February 16, 2010, Khushhali Bank in collaboration with American Business Council has given the first 20 cheques to the affected traders of Bolton Market under 'Bolton Market - Business Revitalization Program' of USAID in a ceremony held in Karachi. Khushhali Bank is managing the process of grant disbursement of USAID's funds of PKR 1 billion for the program.                  August 11, 2009, Khushhali Bank celebrates its ninth anniversary to acknowledge the contribution and hard work of its employees, while resolving to make its clients a priority and rejoicing the unprecedented success of past nine years.                  Khushhali Bank Limited re-constitutes its Board of Directors for a term of three years. Syed Ali Raza, President, National Bank of Pakistan, being the chairman, the new Board of Directors consists of seven members, four representing the share holders three non share holding Independent Directors.                 
            Why Khushhali Bank
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A career at Khushhali Bank Limited offers a chance to touch people’s lives. Our people involve themselves with the workplace, their community and neighbors as well as with each other. If you are desirous of a company reflecting sound ethical values, then you should consider a career at Khushhali Bank Limited.


Over the years Khushhali Bank Limited has made strenuous efforts to become one of the most innovative and professional companies, specifically in terms of the recruiting practices. A number of initiatives have assisted us in carrying out an effective job at consistently attracting the diverse, quality talent from whom we seek to run our business and grow the organization in essence. We remain one of the leaders to:

Develop a patented score-able online application form
Merit-based assessments
Recognize the importance of a paperless, web-based recruiting structure
Using Thomas Assessments’ tools for analyzing personality profile and liquid intelligence
  Our success is because of our people. We discover and recruit the most sought after professionals in the market.

Your career is in your own hands. With challenging responsibilities from the start, you can make a difference in the lives of customers with each passing day at work. All the employees have an equal opportunity to succeed as most of our new management hires come in from undergraduate or graduate educational programs.

We consider ourselves to be a development company. This is due to the proactive training of our managers for the staff to enhance their functional and soft skill capacities through on-the-job regimes, formal classrooms, testing mechanisms, etc. This individual approach facilitates in making the best use of your skills, personality and diverse backgrounds for future avenues of success.

  Tips & Hints:
There are a few opportunities for people with specific work experience to be hired "beyond entry level" if that expertise is not available internally. When such jobs become available, they are usually posted on our website or other job boards.

Total Assessment is critical to success.


You are special for us and we try our best to treat you in a similar vein. We usually start with focusing you through our online assessment tools. By this method, we can get valuable information early on in the recruiting process. This helps us to identify two key elements for in-depth assessments:

Applicants most likely to succeed  in our recruiting process
Applicants with the potential to make a difference within our business
Second, we follow-up our online assessments with an interview process in place. We gather personal information about you and try to gauge intrinsic details hidden within your personality. Not only will we get a better idea of your skills and ability to impact our business needs, but you have a chance to know us better, too.

We believe every candidate has the right to be fully considered for each and every job opportunity for which they qualify. If this sounds like hard work, it is. To make sure exceptional people do not slip in these ranks, we work to build reliability and validity into our recruiting assessment tools and processes on a consistent basis.

Khushhali Bank Limited is a company that believes in people power

"If you leave us our money, our buildings, and our brands, but take away our people, the company will fail. But if you take away our money, our buildings, and our brands, but leave us our people, we can rebuild the whole thing in a decade."

Khushhali fraternity is our greatest asset and indeed recruiting is critical towards our success. We take this process very seriously.

Our recruiting organization:
Expects results
Measures performance
Never lets the status quo dictate what we will do
Develops and uses creative tools to discern and identify the most qualified candidates

Our process takes time and commitment, but we believe we owe it to people to know them better, understand their capabilities and give them a chance to know us as well.

  Working towards diversity
Diversity is the key towards our working domains. We employ people from distinctive backgrounds – comprising of varied skill sets and training.

We want our bank to benefit from the new insights and opportunities that diversity brings to the table. Our people are asked to challenge themselves; to take on tasks that they have been trained for, and in this way discover new qualities and capabilities.



At Khushhali Bank Limited, we encourage people with disabilities to come forward and contribute towards economic sustainability. Also we would like them to be a part of the society like every one else.



Diversity at Khushhali Bank Limited must reflect the multi-cultural capacity of the societies in which the bank operates.

Khushhali Bank Limited works to ensure that our employees’ diverse ethnicities are reflected within the management realms. A balanced mix of different ethnicities is taken into account when selecting candidates for different departments.


A balanced mix of less seasoned and more experienced employees is encouraged within the bank. In essence the bank is young and so are most of the employees.

Khushhali Bank Limited focuses on finding good solutions for safeguarding the interests of senior employees and in accommodating the needs of the bank.
  Valuable expertise and experience

Age diversity is based on the recognition that senior employees have valuable expertise and experience, and that senior employees often have a long and thorough insight into the bank’s history and culture.



We believe that encouraging an appropriate work-life balance is a key to ensuring that both men and women excel at Khushhali Bank Limited.

Khushhali Bank’s attractiveness as an employer and performance levels will increase if both genders are given an equal chance.

We encourage a balanced mix of male and female candidates when recruiting for different departments.

Developing our people


Khushhali Bank Limited is responsible for high job-satisfaction and opportunities for personal and professional development. Khushhali Bank Limited offers extensive opportunities for learning through a wide selection of training programs.

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