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
External valuation should be carried out where;
•    Collateral (property/ plant/ machinery) value is above PKR 3.0 Million, irrespective of loan size.
Note: Above mentioned changes are not applicable on agri loans (development & production) i.e. loans against agri pass books/ PLRA.

Loan Ticket  (minimum and maximum)

PKR 50,000 to PKR 1,000,000 

Rates & Fee Structure

As per existing SOC

Service charges

  • For Loans up to Rs. 300,000/-    (34%)
  • For Loans equal to or greater than 300,001/ up to Rs. 500,000/-        (34%)
  • For Loans equal to or greater than Rs. 500,001/up to Rs. 1,000,000/-    (34% )