Product Name

Khushhali Personal Loan

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).

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.

Loan Tenor & Repayment Mode

• 3 to 36 months
• Equal Monthly Instalments (EMI) / Quarterly / Semi-annually/Bullet (for 14 Months Maximum for Gold/TDC/NSC/Deposit backed only)

DBR (Debt Burden Ratio)

50% of Net disposable income

Pricing

As per the approved pricing grid/SOC

Disclaimer

Other Terms and Conditions Apply