Product Name

Khushhali Karobari Loan

Khushhali Karobari Loan is designed to empower micro-entrepreneurs by providing quick and convenient access to credit. It helps meet working capital needs, purchase raw materials, support business growth, and facilitate operational expansion. With this loan, small businesses across diverse sectors can enhance productivity, increase income potential, and ensure long-term sustainability.

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 5 Million

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

Working capital needs, purchasing raw materials, supporting business growth, and facilitating operational expansion.

Loan Tenor & Repayment Mode

• 3 to 96 months
• Equal Monthly Instalments EMI / Quarterly.
• SC Monthly & PA on maturity (against Gold/TDC/NSC / EWR/Deposit Lien Collateral).

DBR (Debt Burden Ratio)

50% of Net disposable income

Pricing

As per the approved pricing grid/SOC

Disclaimer

Other Terms and Conditions Apply