Khushhali Bank Limited
Khushhali Bank Limited products included Loan in three categories Like GROUP LOAN consists on 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 equipments.
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 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
School must be in operations from 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
Age of 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 of 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 livestock sector.
Loan Eligibility Criteria
Age: 20– 63 Years
Positive & Adequate Cash-flow (financial toolkit)
Annual income of the applicant as per prudential regulations
Residing in the area from the last 2 years
Business experience of 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 purchase of raw material, finished goods, stocks inventory to enhance production of goods and services
Credit for operating assets to generate income for small business.
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 and not availed multiple loans
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