Khushhali Cash Sahulat

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/-

Minimum Loan Rs.25, 000/-

Maximum Loan Rs. 150,000/-

Liquid Securities
15%

Gold
27%

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

Zero Early Payment Fee

Partial Payments Allowed

Daily Markup on Late Payment; No additional charges

Flexible tenures

• 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

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

Gold Jewllery

National Savings Certificates

KBL Term Deposit Certificates

Liquid Security
20% Margin
i.e. 80% Loan to Face Value Ratio

Gold
30% Margin
i.e. 70% Loan to Value Ratio
Subtopic

DP Note: Rs.50

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

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

Free Credit Life Insurance