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JS Khud Mukhtar

JS Khud Mukhtar is a financing solution for business women of Pakistan, enabling empowerment as well as financial stability. JS Khud Mukhtar provides easy access to finance for fulfilling all your aspirations with term loan of upto Rs. 5 million, at a subsidised mark-up rate of 5% per annum (based on State Bank of Pakistan refinance scheme).

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Financing Between Rs. 100,000/- and Rs. 5,000,000/-

Equity No down payment required

Mark-up Fixed at 5% per annum

Financing Tenure Flexible tenure of up to 5 Years with equal quarterly installments

Processing Fee Minimum Rs. 3000/- or 0.3% of the loan amount (Whichever is higher)

Collateral- Post-dated cheques – for loan up to Rs. 500,000 - Land, gold, any other tangible collateral as per Bank’s policy - for loans over Rs. 500,000

The Geographical Coverage under this financial product includes:

JS Khud Mukhtar aims to improve access to finance for women entrepreneurs across Pakistan.

Eligibility Criteria:

  • Computerized National Identity Card (CNIC) holder, with maximum age of 60 years
  • Must have Clean e-CIB record
  • Financing will be provided for:
  • Setting up of a new business enterprise
  • Expansion of an existing one where the individual has been in business for at least one year and has sufficient knowledge of the business

Required Document Checklist:

  1. Filled and Signed Loan Application Form
  2. Filled and Signed Request Application Form of JS Khud Mukhtar
  3. Wealth Tax Form (where applicable)
  4. Personal Guarantee
  5. Business Plan
  6. Any other requirements of the Bank