Submitted by adminkmbl on Thu, 03/11/2021 - 17:42
khushali sarmaya

Product Name

Khushhali Sarmaya (Micro Enterprise Lending)

Product Purpose

Khushhali Sarmaya is offered to micro-entrepreneurs (small business owners). The loan can be used for purchase of raw materials/ finished goods/ stocks/inventory and to enhance production of goods & services. This loan facility can help small businesses get credit for operating assets to help them generate more income.

Loan Eligibility Criteria

  • Age: 22 – 60 years
  • Applicant must be micro-entrepreneurs as defined in the Prudential Regulations for Microfinance Banks

  • Minimum business experience of 2 years
  • NADRA CNIC/ SNIC holder
  • Must have good credit history


  • 6 – 36 months

Repayment Options

Equal Monthly Installments  


Hypothecation of business stock/Plant/Machinery/any other moveable business assets
Mortgage (Registered or Equitable) of Land/APB/Building 
Mixed secured collaterals (e.g. Gold/TDC/NSC)
HPA with Original documents of vehicle retained at branch

Document reflecting the proof of Business possession (Copy of Rental Agreement/ Title Documents/Fard etc.)
Guarantor for loans above 150,000

Loan Ticket  (minimum and maximum)

PKR 350,001 to PKR 1,000,000 

Service charges

  • As per SOC, for more information please contact on our helpline 051 111 047 047