Khushhali Personal Finance is tailored to support the diverse needs of individuals and families—whether for livelihood, household, or emergency purposes. Customers can access financing for solar panel installation, laptops, vehicles or motorbikes, smartphones, home appliances, education and skill development, medical expenses, housing and renovation, marriage and family events, travel and Hajj/Umrah, as well as other personal or unforeseen requirements.

Eligibility Criteria:

• Minimum age to avail the loan: 20 years.
• Maximum age at limit maturity.
  • For Salaried Individuals: 60 Years.
  • For Self-employed Individuals: 68 years.
  • For Pensioner individuals: 70 years.
• Valid CNIC/SNIC (Pakistan Nationals only) of the applicant (NICOP will be allowed in case of Gold/NSC/TDC).
  • 3 to 36 months.
  • Equal Monthly Instalments (EMI) / Quarterly / Semi-annually/Bullet (for 14 Months Maximum for Gold/TDC/NSC/Deposit backed only).Maximum Net Annual Income: Rs.1,500,000 (or as revised by SBP from time to time).
    

    Loan Amount

    Rs.50,000 to Rs.500,000

    Collateral

    • Gold
    • Agri Pass Book/PLRA/Mortgage
    • Salary Pension Transfer
    • Paper Securities (NSC/TDC)
    • Deposit Funds with the Bank
    • HPA of Vehicle
    • Personal Guarantee

    Purpose

    For livelihood, household, or emergency needs, customers can access financing for solar panels, laptops, vehicles or motorbikes, smartphones, home appliances, education and skill development, medical expenses, housing and renovation, marriage and family events, travel and Hajj/Umrah, along with other personal or unforeseen requirements.

    DBR (Debt Burden Ratio)

    50% of Net disposable income

    Pricing

    As per the approved pricing grid/SOC

    Disclaimer

    Other Terms and Conditions Apply