Cash Sahulat - Individual Loaning

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British Welfare State

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Khushhali Cash Sahulat

Insurance

Free Credit Life Insurance

STamp Duty on Charge Docs

Letter of Lien and Setoff for KB TDC: Rs.100

Letter of Pledge, Lien and Authority for Securities: Rs.100

DP Note: Rs.50

Turn around Time 4-5 working days

Security Margins

Liquid Security 20% Margin i.e. 80% Loan to Face Value Ratio Gold 30% Margin i.e. 70% Loan to Value Ratio Subtopic

Acceptable Securities

KBL Term Deposit Certificates

National Savings Certificates

Gold Jewllery

Gold Valuation Charges

Rs. 500 per case (to be borne by borrower)

Eligibility Criteria

• Household annual income less than Rs. 300,000 or as revised by SBP from time to time • Age between 22 - 64 Years • Residing in the area for last 2 Years • Business experience of minimum of 2 Years • Doing business at same location for last 1 year • Holding valid CNIC • Satisfactory cash flow • Credit scoring to assess credit worthiness only, no negative impact on credit decision • Not defaulter of KBL & other institutions (subject to eCIB /data check for loans exceeding Rs. 30,000) • Other pre / post disbursement verifications (as applicable) • Borrower should be able to execute charge documents

Competitive Edge

Zero Early Payment Fee Partial Payments Allowed Daily Markup on Late Payment; No additional charges Flexible tenures

Tenure 3 - 12 months

Repayment Options EMI or Bullet

Purpose

Productive loan for individual entrepreneurs who wish to use it for working capital needs or asset purchase

Debt Service Ratio 70% of disposable income

Pricing (APR)

Gold 27%

Liquid Securities 15%

Min and Max Loan Value

Minimum Loan Rs.25, 000/- Maximum Loan Rs. 150,000/-

Processing Cost

Rs. 500 for Loan upto Rs. 50,000/- Rs. 1,000 for Loan greater than PKR 50,000/- but less than or equal to Rs. 100,000/- Rs. 1,500 for Loan greater than PKR 100,000/-