Roshan Zar

Enterprise Finance up to Pkr 500,000

Roshan zar product serves the increased credit needs of clients, who have transitioned from income generating activities to micro enterprises. Roshan Zar provides larger loan sizes on individual basis for agriculture, livestock or commercial (trading, manufacturing and services) enterprises.

Eligibility Criteria
  • Valid CNIC
  • Age between 18-64 years
  • Business experience of at least 3 years
  • Preference is given to skilled/technically qualified entrepreneur and/or employees
Type of Credit
  • Short to Medium Term Finance
  • Running Finance
Purpose of Credit
  •  Fixed Assets (e.g. purchase of machinery/equipment, tools and accessories, furniture and fixture, construction/improvement of business premises)
  •  Working Capital (permanent or temporary working capital needs e.g. purchase of inventories/inputs and other expenses)
Lending Methodology
  • Individual Basis
Loan Amount
  • Minimum: Pkr 150,001
  • Maximum: Pkr 500,000
Loan Tenor
  • Up to 36 months
Loan Repayment Term Loans:

  • Equal Monthly Installments
  • Equal Quarterly Installments
  • Bullet Installment

Running Finance:

  • Monthly / Quarterly Service Charge Payment
  • Annual clean-up on renewal/roll-over
Collateral
  • Personal Guarantees
  • Cash/Near Cash Instruments
  • Property (residential, commercial and agriculture land)
Other Benefits
  • Credit Linked Life Insurance
  • Crop Insurance under SBP Loan Insurance Scheme (CLIS)
  • Livestock Insurance under SBP Loan Insurance Scheme (LISB)

Other Terms & Conditions Apply Download

Low Cost Private Schools

Financing Facilities for Educational Institutions up to Pkr 500,000

Provision of good quality education can only be made possible if an enabling environment is provided to the basic building blocks of the education sector – the Educational Institutions. FMFB-P, through a specialized Low Cost Private Schools (LCPS) product shall facilitate educational institutions to develop capacities – academic as well as logistics, for imparting quality education. LCPS product is being offered under the RoshanZar product.  

Eligibility Criteria
  • Valid CNIC
  • Age between 18-64 years
  • Business experience of at least 3 years
  • Entrepreneurs operating Private Schools, Tuition Centers, Technical Education Centers, etc.
Type of Credit
  • Short to Medium Term Finance
  • Running Finance
Purpose of Credit
  • Construction/renovation of institution building;
  • Purchase of furniture, equipment, computers, etc.
  • Establishment/expansion of labs;
  • Purchase/repair of school van;
  • Education quality enhancement tools: Teacher training and development, software and hardware equipment, technical assessments, curriculum improvement.
Lending Methodology
  • Individual Basis
Loan Amount
  • Minimum: Pkr 150,001
  • Maximum: Pkr 500,000
Loan Tenor
  • Up to 36 months
Loan Repayment Term Loans:

  • Equal Monthly Installments
  • Equal Quarterly Installments
  • Bullet Installment

Running Finance:

  • Monthly / Quarterly Service Charge Payment
  • Annual clean-up on renewal/roll-over
Collateral
  • Personal Guarantees
  • Cash/Near Cash Instruments
  • Property (residential, commercial and agriculture land)
  • School Fees
Other Benefits
  • Credit Linked Life Insurance

Other Terms & Conditions Apply