Khushhali Bank Limited Loan Schemes

Khushhali Bank Limited

Khushhali Bank Limited products included Loans in three categories Like GROUP LOAN consists of Khushhali Qarza and Khushhali Asaan Qarza. INDIVIDUAL LOAN Consists on Sarsabz Karobar, Khushhali Cash Sahulat, Khushhali School Loan, Khushhali Qarza Plus, Khushhali Livestock Loan, khushhali bank student loan & Shandar Bachat Scheme.

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Loan Eligibility Criteria:

Khushhali Qarza:

Age: 20 – 63 years
Income: Less than or equal to Rs. 500,000
Permanent resident of the locality for 2 years
NADRA CNIC/ SNIC holder
2 years experience

Amount of Loan: PKR 20,000 to PKR 50,000

Khushhali Asaan Qarza:

Age: 20– 63 years
Income: Less than or equal to Rs. 500,000
Permanent resident of the locality for 2 years
NADRA CNIC/ SNIC holder
2 years experience

Amount of Loan: PKR 15,000 to PKR 75,000

Sarsabz Karobar (Value Chain Financing)

Sarsabz Karobar caters to the financing needs of small certified growers of Public or Private Agro-based organizations, primary /secondary milk suppliers, artisans, craftsmen, entrepreneurs & small traders involved either in supply/ manufacturing of raw material or finished goods, end-users of technology & energy equipment.

Loan Eligibility Criteria
Age: 20 – 63 Years
Proposed Value Chain Partner’s reference
Household annual income less than or equal to Rs. 500,000/- or less
Business experience of 2 years
NADRA CNIC/ SNIC holder
Not defaulter of KMBL or other banks

Khushhali Cash Sahulat

Khushhali Cash Sahulat is an ‘Individual Loan’ collateralized through a range of acceptable securities. The loan may be utilized to expand micro-enterprises/ small businesses and offers free embedded credit life insurance.

Loan Eligibility Criteria
Age: 20 – 63 Years
Household annual income up to 500,000
Business experience of a minimum of 2 Years
NADRA CNIC/ SNIC holder
Not defaulter of KMBL or other banks

Khushhali School Loan

To offer private school owners involved in providing low-cost education to improve school infrastructure/ acquisition of quality-enhancing products and service

Loan Eligibility Criteria
Age: 20– 63 Years
The school must be in operations for the last 2 years
Minimum 100 students enrollment
Minimum fee Rs.350/- per month per student
NADRA CNIC/ SNIC holder

Khushhali Qarza Plus

Loan Eligibility Criteria
Age: 20– 63 years
Minimum KMBL relationship of 3 cycles (not less than 24 months)
Previous loan of KMBL to be either fully settled or only accrued mark-up to be paid till date
Permanent resident of the locality for 2 years
NADRA CNIC/ SNIC/ NICOP holder
2 years experience

Khushhali Livestock Loan
Product Purpose
Insured perils Purchase of new animals (cows, buffaloes, and bulls) for fattening, breeding, and milking
Non Insured perils: goats, sheep, poultry, and fisheries (non-insured)
Free animal’s life Insurance in case of death/ theft (applicable for insured perils only)
Loan Eligibility Criteria
Age: 20– 63 years
The age of the animal to be purchase must be between 9 months and 7 years
Applicant willingness to tag the animal for insurance cover
Minimum 2-year experience in livestock keeping/ handling
Having at least 1 animal
NADRA CNIC/ SNIC/ NICOP holder

Shandar Bachat Scheme
Product Purpose
To offer a platform that facilitates small savings with an additional offer of loan facility for enterprises and the livestock sector.
Loan Eligibility Criteria
Age: 20– 63 Years
Positive & Adequate Cash-flow (financial toolkit)
An annual income of the applicant as per prudential regulations
Residing in the area for the last 2 years
Business experience of a minimum of 1 year
NADRA CNIC/ SNIC/ NICOP holder
Not defaulter of KMBL & other institutions

Khushhali Sarmaya (Micro Enterprise Lending)

Product Purpose
Khushhali Sarmaya is an individual loan microenterprise loan available for the micro-entrepreneurs and small farmers/livestock owners. Including the purchase of raw material, finished goods, stocks inventory to enhance the production of goods and services
Credit for operating assets to generate income for small businesses.

Loan Eligibility Criteria
Age: 22– 60 years
Applicant must be micro-entrepreneurs who are either self-employed or employ few individuals maximum of 10 (excluding seasonal laborers)
Minimum business experience of 2 years
NADRA CNIC/ SNIC holder
Must have good credit history and not availed multiple loans

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