Year after year, Khushhali Microfinance Bank has endeavored to provide financial services to micro enterprises and low-income households across Pakistan. Our mission is to continue the tradition pursuing new avenues of business and explore more opportunities each year, surpassing our own expectations in the zeal to keep pumping the entrepreneurial life blood into the Pakistani economy.

Khushhali Microfinance Bank

Founded in the year 2000, Khushhali Microfinance Bank Limited (formerly known as Khushhalibank Limited) was a part of the Government of Islamic Republic of Pakistan's Poverty Reduction Strategy and its Microfinance Sector Development Program (MSDP). To be a leading Micro Finance Bank providing financial services to Micro, Small and Medium Enterprises and low income households across Pakistan.

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To be a leading microfinance bank providing financial services to enterprises across Pakistan.


To strive for excellence and to adopt sustainable

practices for the best long term interest of all



  • Empowerment
  • Excellence
  • Ethical




An autonomous, private-sector board comprising of professional bankers and social developers governs Khushhali Microfinance Bank's policies and provides guidance to the management in establishing a robust, customer-centric platform. With an intention to establish a dynamic work environment and to inculcate a competitive culture, the bank's core management is selected from the banking industry, bringing skills in operations and financial management tenets whereas a sound delivery channel gains its strength from professionals with marketing backgrounds from various sectors. Khushhali Microfinance Bank Limited (formerly known as Khushhalibank Limited) is regulated by the State Bank of Pakistan.


Company Registration Number: 0064531

National Tax Number: 2187058-6

Auditor: BDO Ebrahim & Co (Chartered Accountants)

Legal Advisor: Samdani and Qureshi


Khushhali Achieves SMART Certification

Date: July 28, 2017, Location:

Khushhali Achieves SMART Certification!! Another milestone achieved. Khushhali Bank opted to obtain SMART Certification using Microfinanza Rating (MFR) with support from the Pakistan Microfinance Network. SMART Certification is an independent, third party evaluation to publicly recognize financial institutions that meet adequate standards of care in how they treat clients. It enables financial institutions to demonstrate adherence to the industry's Client Protection Principles.