Khushhali Bank Loan App In Pakistan 2025 -Khushhali Bank Loan Say Lene Ka Tarika-Khushhali Loan 2025

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Khushhali Bank Loan App In Pakistan 2025 -Khushhali Bank Loan Say Lene Ka Tarika-Khushhali Loan 2025
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Types of Loans Offered by Khushhali Bank
Microfinance Loans
These loans target small-scale entrepreneurs, enabling them to start or expand their businesses.
Agriculture Loans
Farmers can access funds for purchasing seeds, fertilizers, or farming equipment to boost productivity.
Small Business Loans
Designed for SMEs, these loans help entrepreneurs scale their operations and increase profitability.
Personal Loans
Khushhali Bank also offers personal loans for emergencies, education, or other individual needs.
Khushhali Qarza
Product Type
Individual Loan
Product Purpose
For Agriculture (including Agri implements)*/Livestock and Enterprise based economic & productive activities only
*Financing will not be allowed for Agri Implements under unsecured category
Loan Eligibility Criteria
Valid CNIC/ SNIC holder
CIR of an applicant.
Successful cash flow analysis
Non-defaulter of KMBL or any other bank
Positive K-Score/Borrower’s Risk Rating as per Khushhali Lending Manual
Other pre/ post disbursement verification (as applicable)
Tenure
6-18 Months
Repayment Options
Equal Monthly Installments (EMI)
Quarterly & Semi-annually.
Lump sum payment at maturity
Collateral
Secured
Mortgage (Equitable / MODTD) of Land/ Building or any other immoveable assets/APB/PLRA Charge creation &
Hypothecation of stock/ Plant / Machinery /Agri or Solar Equipment / Large animal / any other fixed business assets &
HPA of Vehicle OR
Mixed secured collaterals (e.g. Gold/TDC/NSC/Vehicle)
PDC
Unsecured
Personal Guarantee &
PDC &
In case of livestock; List of animals owned by applicant
Loan Ticket (minimum & maximum)
PKR 50,000 to PKR 350,000
Service charges
As per SOC, for more information please contact our helpline 051 111 047 047
Features of Khushhali Bank Loans
Flexible Repayment Options
Borrowers can choose from various repayment plans tailored to their financial situations.
Competitive Interest Rates
Khushhali Bank offers reasonable interest rates, making loans affordable for low-income individuals.
Accessibility for Rural Populations
The bank prioritizes reaching remote areas, ensuring inclusivity.
Eligibility Criteria for Khushhali Bank Loans
General Requirements
Applicants must be Pakistani citizens with a stable source of income.

Documentation Needed
Basic documents include CNIC, proof of income, and, in some cases, guarantor details.


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