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) and livestock 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 who are either self-employed or employ few individuals maximum 10 (excluding seasonal labors)
  • Minimum business experience of 2 years
  • NADRA CNIC/ SNIC holder
  • Must have good credit history


  • 3 – 36 months

Repayment Options

Equal Monthly Installments / Quarterly / Semi-annually / Annually 


  • Warranty of 1 individual or 1 legal entity
  • Means of transportation
  • Equipment
  • Turnover goods
  • Personal property
  • Other movable property
  • Deposit funds with the Bank

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% )