Official financial empowerment initiative by Chief Minister Punjab Maryam Nawaz Sharif in collaboration with PITB & Bank of Punjab (BOP).
Designed for retail shopkeepers, micro-entrepreneurs, and small business owners seeking clean working capital without heavy collateral requirements.
| Parameter | Official Specification |
|---|---|
| Loan Amount Limit | Up to PKR 2,000,000 (20 Lakhs) |
| Security / Collateral | Clean (Unsecured / Personal Guarantee) |
| Markup Rate | 0% Interest-Free (100% Subsidized by Govt of Punjab) |
| Tenure & Repayment | Up to 3 Years (Includes 3-month grace period + 33 equal monthly installments) |
| Usage Mode | Digital Card transactions via POS, Mobile App, & inventory purchases |
| Age Eligibility | 21 to 57 Years |
| Residency Requirement | Punjab CNIC Holder with business operating in Punjab |
High-capacity business financing for established SMEs requiring medium to large capital injection for machinery, inventory, or branch expansions.
| Feature | Tier-1 (T1) | Tier-2 (T2) |
|---|---|---|
| Loan Range | PKR 1 Million – 5 Million | PKR 5 Million – 30 Million |
| Security Type | Clean (Personal Guarantees) | Secured Collateral |
| Tenure | Up to 5 Years (6-month startup grace / 3-month existing business grace) | |
| Age Limit | 25 to 55 Years | |
| Mandatory Documents | Active NTN (Tax Filer), Rent/Ownership Agreement, Clean e-CIB history | |
*Note: Processing fee is 100% refundable if the loan application is rejected or not approved.
| Selected Loan Amount Range | Required Fee (PKR) | Status |
|---|---|---|
| PKR 100,000 – PKR 400,000 | Rs. 2,000 | 100% Refundable |
| PKR 400,001 – PKR 800,000 | Rs. 4,500 | 100% Refundable |
| PKR 800,001 – PKR 1,200,000 | Rs. 7,000 | 100% Refundable |
| PKR 1,200,001 – PKR 1,600,000 | Rs. 9,000 | 100% Refundable |
| PKR 1,600,001 – PKR 2,000,000 | Rs. 12,000 | 100% Refundable |
