{"id":41184,"date":"2020-06-03T11:49:52","date_gmt":"2020-06-03T06:49:52","guid":{"rendered":"https:\/\/bankislami.com.pk\/?page_id=41184"},"modified":"2023-02-06T13:58:57","modified_gmt":"2023-02-06T08:58:57","slug":"sme","status":"publish","type":"page","link":"https:\/\/bankislami.com.pk\/ur\/sme\/","title":{"rendered":"SME"},"content":{"rendered":"<div id=\"child-pages-wrap\" class=\"child-pages-tab  style-horizontal with-border with-bg-colors\">\n\n\t\t\t\n\t\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li><a href =\"#sme-financing\">\u0627\u06cc\u0633 \u0627\u06cc\u0645 \u0627\u06cc \u0641\u0646\u0627\u0646\u0633\u0646\u06af<\/a><\/li>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li><a href =\"#sbp-risk-sharing-facility-under-rozgar-scheme\">SBP Risk Sharing Facility under Rozgar Scheme<\/a><\/li>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/ul>\n\n\t\t\t\t\n\t\t\t\t\t\t<div id=\"sme-financing\">\n\t\t\t\t\t\t\t<section id=\"bt_bb_section6a59eacd7aa8c\" class=\"bt_bb_section bt_bb_layout_boxed_1200 bt_bb_vertical_align_top bt_bb_top_spacing_normal bt_bb_bottom_spacing_normal\"  data-bt-override-class=\"null\"><div class=\"bt_bb_port\"><div class=\"bt_bb_cell\"><div class=\"bt_bb_cell_inner\"><div class=\"bt_bb_row\"  data-bt-override-class=\"{}\"><div class=\"bt_bb_row_holder\" ><div  class=\"bt_bb_column col-xl-12 col-xs-12 col-sm-12 col-md-12 col-lg-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\"  data-width=\"12\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_small bt_bb_bottom_spacing_small\" data-bt-override-class=\"null\"><\/div><div class=\"bt_bb_accordion bt_bb_style_outline bt_bb_shape_square\"><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">\u0627\u0653\u063a\u0627\u0632<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p>\nSmall and Medium Sized Enterprises (SMEs) drive economic growth by stimulating innovation, acting as a competitive spur to existing businesses to increase their productivity, and making a disproportionately large contribution to job creation. BankIslami Pakistan Ltd is dedicated to support SME business with all the products and services available through its branch banking network. The products and services are offered to SME clients strictly under Shariah modes.<\/p>\n<p class=\"drk_blu\"><strong>\u0627\u06c1\u0644\u06cc\u062a<\/strong><\/p>\n<p class=\"drk_blu\"><strong>\u0627\u0633\u0645\u0627\u0644 \u0627\u0646\u0679\u0631\u067e\u0631\u0627\u0626\u0632\u0632<\/strong><\/p>\n<div class=\"auto_tbl\">\n<table id=\"tablepress-24\" class=\"tablepress tablepress-id-24\">\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-1\">\n<td class=\"column-1\"><b>Start-up<\/b><\/td>\n<td class=\"column-2\"><b>\u0633\u0627\u0644\u0627\u0646\u06c1 \u0633\u06cc\u0644\u0632 \u0679\u0631\u0646 \u0627\u0648\u0648\u0631\t<\/b><\/td>\n<td class=\"column-3\"><b>\u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u062d\u062f<\/b><\/td>\n<\/tr>\n<tr class=\"row-2\">\n<td class=\"column-1\">Start-up A small enterprise up to 5 years old will be considered as Start-up SE<\/td>\n<td class=\"column-2\">150 \u0645\u0644\u06cc\u0646 \u0631\u0648\u067e\u06d2 \u062a\u06a9<\/td>\n<td class=\"column-3\">Upto Rs. 100 Mn<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>* Including contractual employees. However, in cases where an entity fulfills one parameter of SE, and its second parameter falls within the range prescribed for a medium enterprise (ME) or above the upper limit prescribed for an ME, then the subject entity shall be classified as an ME or commercial\/corporate entity, as the case may be.<br \/>\n* The age of individuals\/sole proprietors should be up to 60 years. A deviation in the same up to 65 years can be allowed by the approving authority of BankIslami.<\/p>\n<p class=\"drk_blu\"><strong>\u0645\u06cc\u0688\u06cc\u0645 \u0627\u0646\u0679\u0631 \u067e\u0631\u0627\u0626\u0632\u0632<\/strong><\/p>\n<p>\u0645\u06cc\u0688\u06cc\u0645 \u0627\u0646\u0679\u0631\u067e\u0631\u0627\u0626\u0632\u0632 ( ME ) \u0627\u06cc\u06a9 \u06a9\u0627\u0631\u0648\u0628\u0627\u0631\u06cc \u0627\u062f\u0627\u0631\u06c1 \u06c1\u0648\u062a\u0627 \u06c1\u06d2\u060c \u0645\u062b\u0627\u0644\u06cc \u0637\u0648\u0631 \u067e\u0631 \u067e\u0628\u0644\u06a9 \u0644\u0645\u06cc\u0679\u0688 \u06a9\u0645\u067e\u0646\u06cc \u0646\u06c1\u06cc\u06ba \u06c1\u0648\u062a\u06cc \u062c\u0648 \u062f\u0631\u062c \u0630\u06cc\u0644 \u067e\u06cc\u0631\u0627\u0626\u06d2 \u067e\u0631 \u067e\u0648\u0631\u0627 \u0627\u062a\u0631\u062a\u06cc \u06c1\u06d2\u06d4<\/p>\n<div class=\"auto_tbl\">\n<table id=\"tablepress-29\" class=\"tablepress tablepress-id-29\">\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-1\">\n<td class=\"column-1\"><b>Start-up<\/b><\/td>\n<td class=\"column-2\"><b>\u0633\u0627\u0644\u0627\u0646\u06c1 \u0633\u06cc\u0644\u0632 \u0679\u0631\u0646 \u0627\u0648\u0648\u0631<\/b><\/td>\n<td class=\"column-3\"><b>\u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u062d\u062f( \u0632\u06cc\u0627\u062f\u06c1 \u0633\u06d2 \u0632\u06cc\u0627\u062f\u06c1 \u0641\u06cc \u067e\u0627\u0631\u0679\u06cc)<\/b><\/td>\n<\/tr>\n<tr class=\"row-2\">\n<td class=\"column-1\">A medium enterprise up to 5 years old will be<br \/> considered as Start-up ME<\/td>\n<td class=\"column-2\">\u062a\u0645\u0627\u0645 \u0627\u0642\u0633\u0627\u0645 \u06a9\u06cc ME \u06a9\u06d2 \u0644\u0626\u06d2150 \u0645\u0644\u06cc\u0646 \u0631\u0648\u067e\u06d2 \u0633\u06d2 \u0632\u0627\u0626\u062f \u06cc\u0627 800 \u0645\u0644\u06cc\u0646 \u0631\u0648\u067e\u06d2 \u062a\u06a9<\/td>\n<td class=\"column-3\">Rs.500M (including leased assets) exposure from single or all banks.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>\u0627\u0644\u0628\u062a\u06c1 \u062c\u06c1\u0627\u06ba \u06a9\u0645\u067e\u0646\u06cc ME \u06a9\u06d2 \u0627\u06cc\u06a9 \u067e\u06cc\u0631\u0627\u0626\u06d2 \u067e\u0631 \u067e\u0648\u0631\u0627 \u0627\u062a\u0631\u062a\u06cc \u06c1\u0648 \u0627\u0648\u0631 \u062f\u0648\u0633\u0631\u0627 \u067e\u06cc\u0631\u0627\u06cc\u06c1 ME \u06a9\u06d2 \u0644\u0626\u06d2 \u0648\u0627\u0636\u062d \u06a9\u06cc \u06af\u0626\u06cc \u0632\u0627\u0626\u062f \u062d\u062f \u0645\u06cc\u06ba \u0622\u062a\u0627 \u06c1\u0648\u060c \u0627\u0633 \u0635\u0648\u0631\u062a \u0645\u06cc\u06ba \u0645\u062a\u0639\u0644\u0642\u06c1 \u06a9\u0645\u067e\u0646\u06cc \u06a9\u06cc \u06a9\u0645\u0631\u0634\u0644 \/ \u06a9\u0627\u0631\u067e\u0648\u0631\u06cc\u0679 \u06a9\u0645\u067e\u0646\u06cc \u06a9\u06d2 \u0637\u0648\u0631 \u067e\u0631 \u062f\u0631\u062c\u06c1 \u0628\u0646\u062f\u06cc \u06a9\u06cc \u062c\u0627\u0626\u06d2 \u06af\u06cc \u062c\u06cc\u0633\u0627 \u06a9\u06c1 \u06c1\u0648 \u0633\u06a9\u062a\u0627 \u06c1\u06d2\u06d4<\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">Are You Eligible?<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p class=\"drk_blu\">Based on State Bank of Pakistan guidelines, SME businesses fall into the following categories:<\/p>\n<p class=\"clr_blu\"><strong>Small Enterprises (SE)<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>Annual sales turnover up to PKR 150 Million<\/li>\n<li>Financing limit up to PKR 100 Million<\/li>\n<\/ul>\n<\/div>\n<p class=\"clr_blu\"><strong>Medium Enterprises (ME)<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>Annual sales turnover above PKR 150 Million and up to PKR 800 Million<\/li>\n<li>Financing limit up to PKR 500 Million<\/li>\n<\/ul>\n<\/div>\n<p class=\"clr_blu\"><strong>Start Ups<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>Businesses up to 5 years old may be considered Start Ups under SE or ME categories<\/li>\n<\/ul>\n<\/div>\n<p class=\"clr_blu\"><strong>Note<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>Businesses exceeding these limits may be reclassified as Medium Enterprise or Corporate<\/li>\n<li>Sole proprietor age guideline is up to 60 years, extendable to 65 years subject to approval<\/li>\n<\/ul>\n<p class=\"clr_blu\"><a href=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2026\/02\/Financing-Application-Form-SME.pdf\" target=\"_blank\" rel=\"noopener\"><strong><u>Download the form here<\/u><\/strong><br \/><\/a><\/p>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">Empowering the Engine of Pakistan\u2019s Economy<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p>At BankIslami, we recognize that Small and Medium Enterprises (SMEs) are the true engines of innovation and economic growth. Our mission is to empower your business journey with a comprehensive suite of Riba-free financial services designed to meet the dynamic needs of modern entrepreneurs.<\/p>\n<p>At BankIslami, we are dedicated to fueling your business journey with a comprehensive suite of Shariah-compliant financial solutions. Whether you are a budding start-up or an established enterprise, our products are designed to meet your needs with integrity and transparency.<\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">Why Choose BankIslami for SME Banking?<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>Shariah compliant and Riba free financing structures<\/li>\n<li>Solutions for daily operations, expansion, and trade<\/li>\n<li>Access to government backed and subsidized SME schemes<\/li>\n<li>Nationwide branch network and digital banking support<\/li>\n<\/ul>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">\u06d4 \u0627\u06a9\u0627\u0624\u0646\u0679 \u0633\u0631\u0648\u0633\u0632<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p>All essential banking services to support your daily business needs.<\/p>\n<p class=\"clr_blu\"><strong>\u0627\u06c1\u0645 \u062e\u0635\u0648\u0635\u06cc\u0627\u062a<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>Current accounts with zero account maintenance charges<\/li>\n<li>Multiple currency options including PKR, USD, EURO, GBP, and JPY<\/li>\n<li>Low cost fund transfers<\/li>\n<li>Foreign exchange services<\/li>\n<li>Nationwide network of over 340 branches<\/li>\n<li>Unlimited online intercity and within city transactions<\/li>\n<li>Free cash deposits and withdrawals at all branches<\/li>\n<\/ul>\n<p><strong>Learn More: Difference between Islamic and conventional liability side banking kindly <span style=\"color: #1e407c;\"><a style=\"color: #1e407c;\" href=\"https:\/\/bankislami.com.pk\/ur\/knowledge-center\/\">click<\/a><\/span><\/strong><span style=\"color: #18407c;\"><a style=\"color: #18407c;\" href=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2025\/03\/Single-Loan-Application-Form-SBP.pdf\"><strong>Download Single Loan Application Form<\/strong><br \/><\/a><br \/><\/span><\/p>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">Working Capital Financing<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p>All essential banking services to support your daily business needs.<\/p>\n<p class=\"clr_blu\"><strong>\u0627\u06c1\u0645 \u062e\u0635\u0648\u0635\u06cc\u0627\u062a<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>Current accounts with zero account maintenance charges<\/li>\n<li>Multiple currency options including PKR, USD, EURO, GBP, and JPY<\/li>\n<li>Low cost fund transfers<\/li>\n<li>Foreign exchange services<\/li>\n<li>Nationwide network of over 340 branches<\/li>\n<li>Unlimited online intercity and within city transactions<\/li>\n<li>Free cash deposits and withdrawals at all branches<\/li>\n<\/ul>\n<p><strong>Learn More: Difference between Islamic and conventional liability side banking kindly <span style=\"color: #1e407c;\"><a style=\"color: #1e407c;\" href=\"https:\/\/bankislami.com.pk\/ur\/knowledge-center\/\">click<\/a><\/span><\/strong><br \/><strong><span style=\"color: #1e407c;\"><br \/><\/span><\/strong><span style=\"color: #18407c;\"><a style=\"color: #18407c;\" href=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2025\/03\/Single-Loan-Application-Form-SBP.pdf\"><strong>Download Single Loan Application Form<\/strong><br \/><\/a><br \/><\/span><\/p>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">\u0679\u0631\u0645 \u0641\u0646\u0627\u0646\u0633\u0646\u06af<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p>\u062f\u0631\u062c \u0630\u06cc\u0644 \u062f\u0631\u0645\u06cc\u0627\u0646\u06cc \u0627\u0648\u0631 \u0637\u0648\u06cc\u0644 \u0645\u062f\u062a\u06cc \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u0645\u0635\u0646\u0648\u0639\u0627\u062a \u06c1\u06cc\u06ba<\/p>\n<p class=\"drk_blu\">\u06d4 \u0627\u062c\u0627\u0631\u06c1<\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>BankIslami leases an asset to your business for an agreed period against fixed rentals, with an option to purchase the asset at the end of the term.<\/li>\n<\/ul>\n<p><strong>Learn More: Difference between Islamic and conventional long term financing kindly <span style=\"color: #1e407c;\"><a style=\"color: #1e407c;\" href=\"https:\/\/bankislami.com.pk\/ur\/knowledge-center\/\">click<\/a><\/span><\/strong><\/p>\n<\/div>\n<p class=\"drk_blu\">\u06a9\u0645 \u0633\u06d2 \u06a9\u0645 \u0645\u0634\u0627\u0631\u06a9\u06c1<\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>Joint ownership between BankIslami and the client, where the client gradually purchases the bank\u2019s share while paying rent during the tenure. This facility can also be used to pay off conventional financing.<\/li>\n<\/ul>\n<p><strong>Learn More: Difference between Islamic and conventional long term financing kindly <span style=\"color: #1e407c;\"><a style=\"color: #1e407c;\" href=\"https:\/\/bankislami.com.pk\/ur\/knowledge-center\/\">click<\/a><\/span><\/strong><\/p>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">Trade Financing<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p class=\"drk_blu\"><strong>Opening of Letters of Credit (Sight \/ Usance)<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>We offer Shariah compliant trade solutions for opening Letters of Credit (Sight and Usance) and registration of import contracts for eligible commodities to support local and international trade.<\/li>\n<\/ul>\n<\/div>\n<p class=\"drk_blu\"><strong>Collection of Export Documents<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>Export activities are supported through LC advising and handling of export documents on a collection basis with correspondent banks worldwide.<\/li>\n<\/ul>\n<\/div>\n<p class=\"drk_blu\"><strong>Letters of Guarantee<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>We provide Letters of Guarantee including bid bonds, performance guarantees, and advance payment guarantees to meet transaction-related requirements of SME clients.<\/li>\n<\/ul>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">Structured Financing Solutions<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p class=\"drk_blu\"><strong>Tailored to Your Business Cycle<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>When standard products are not enough, our structured solutions are designed around your specific cash flows and operational needs.<\/li>\n<\/ul>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">BankIslami Karobar Finance<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p class=\"drk_blu\"><strong>Tailored to Your Business Cycle<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>A long term solution to meet permanent working capital needs by leveraging your existing assets.<\/li>\n<\/ul>\n<\/div>\n<p class=\"clr_blu\"><strong>Key Highlights:<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>Financing up to PKR 50 Million for Small Enterprises<\/li>\n<li>Financing up to PKR 100 Million for Medium Enterprises<\/li>\n<li>Cash backed approvals up to PKR 200 Million<\/li>\n<li>Tenure up to 5 years with flexible repayment options<\/li>\n<\/ul>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">BankIslami Hotel Finance<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p class=\"drk_blu\"><strong>Tailored to Your Business Cycle<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>Designed to support renovation, expansion, and development of hotels and resorts, especially in tourist regions.<\/li>\n<\/ul>\n<\/div>\n<p class=\"clr_blu\"><strong>Key Highlights:<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Financing up to PKR 100 Million<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tenure up to 5 years with flexible payment options<\/span><\/li>\n<li>Financing for renovation and expansion projects<\/li>\n<li>Flexible repayment options for seasonal and year round operations<\/li>\n<li>Suitable for budget and mid range hotels<\/li>\n<\/ul>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">BankIslami Tameer Finance<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<div class=\"pad_left list_cst\">\n<p><span style=\"font-weight: 400;\">BankIslami Tameer Finance Facility is a tailored Shariah-compliant financing solution designed to support the development and enhancement of infrastructure for Small and Medium Enterprises (SMEs) and commercial entities. This facility enables businesses to acquire land, construct, renovate, or expand their commercial, industrial, or operational premises.<\/span><\/p>\n<p>\u00a0<\/p>\n<\/div>\n<p class=\"clr_blu\"><strong>Key Highlights:<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Financing up to PKR 50 Million<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tenure up to 10 Years with flexible payment options<br \/><\/span><\/li>\n<\/ul>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">SME Fleet Finance<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<div class=\"pad_left list_cst\">\n<p><span style=\"font-weight: 400;\">Financing for commercial and non-commercial vehicles used in business.<\/span><\/p>\n<\/div>\n<p>\u00a0<\/p>\n<p class=\"clr_blu\"><strong>Key Highlights:<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 500;\">Tenure u<\/span>p to 5 years<\/span><\/li>\n<li>Security<strong>: <\/strong><span style=\"font-weight: 400;\">Hypothecation on financed vehicles<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li>\n<\/ul>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">Digital Supply Chain Financing<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p class=\"drk_blu\"><strong>Tailored to Your Business Cycle<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>Instant liquidity for suppliers associated with leading corporate entities through a digital platform.<\/li>\n<\/ul>\n<\/div>\n<p class=\"clr_blu\"><strong>Key Highlights:<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>Financing from PKR 500,000 to PKR 50 Million<\/li>\n<li>Short term financing cycles up to 180 days<\/li>\n<li>Disbursements against accepted invoices<\/li>\n<\/ul>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">Prime Minister\u2019s Youth Business and Agriculture Scheme<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p><strong>Government Backed. Youth Focused. Shariah Compliant.<\/strong><\/p>\n<p>BankIslami is a participating bank under this subsidized financing scheme designed to support young entrepreneurs and farmers.<\/p>\n<p><strong>Key Benefits:<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>Subsidized profit rates starting from 5 percent<\/li>\n<li>Support for start ups and existing businesses<\/li>\n<li>Financing for working capital, machinery, vehicles, and civil works<\/li>\n<li>Simple application process with minimal processing fee<\/li>\n<\/ul>\n<\/div>\n<p><strong>Eligibility Snapshot:<\/strong><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>Pakistani citizens aged 21 to 45 years<\/li>\n<li>IT and E Commerce businesses eligible from age 18<\/li>\n<li>SMEs, start ups, and agriculture sector participants<\/li>\n<\/ul>\n<\/div>\n<p><strong>Apply via PM Youth Portal:<\/strong> <a href=\"https:\/\/pmyp.gov.pk\/bankform\/newapplicantform\">https:\/\/pmyp.gov.pk\/bankform\/newapplicantform<\/a><\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">\u0642\u06cc\u0645\u062a<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p>\n\u0644\u0686\u06a9\u062f\u0627\u0631\u0642\u06cc\u0645\u062a ( \u062a\u063a\u06cc\u0631 \u067e\u0630\u06cc\u0631\/ \u0641\u06a9\u0633\u0688 \u0628\u0645\u0639 \u0645\u0627\u06c1\u0627\u0646\u06c1\/ \u0633\u06c1\u06c1 \u0645\u0627\u06c1\u06cc\/ \u0634\u0634 \u0645\u0627\u06c1\u06cc\/ \u0633\u0627\u0644\u0627\u0646\u06c1 \u062c\u0627\u0626\u0632\u06c1)<\/p>\n<h4 class=\"sme-1\">\u0627\u062f\u0627\u0626\u06cc\u06af\u06cc \u06a9\u0627 \u0637\u0631\u06cc\u0642\u06c1 \u0627\u0648\u0631 \u0627\u062f\u0627\u0626\u06cc\u06af\u06cc \u06a9\u06cc \u0641\u0631\u06cc\u06a9\u0648\u0626\u0646\u0633\u06cc<\/h4>\n<p>\u0637\u0648\u06cc\u0644 \u0645\u062f\u062a\u06cc: \u0645\u0627\u06c1\u0627\u0646\u06c1\/ \u0633\u06c1\u06c1 \u0645\u0627\u06c1\u06cc\/ \u0634\u0634 \u0645\u0627\u06c1\u06cc<\/p>\n<p>\u0642\u0644\u06cc\u0644 \u0645\u062f\u062a\u06cc:\u06a9\u0644\u0627\u0626\u0646\u0679 \u0627\u0648\u0631 \u0628\u06cc\u0646\u06a9 \u06a9\u06d2 \u0627\u062a\u0641\u0627\u0642 \u06a9\u06d2 \u0645\u0637\u0627\u0628\u0642<\/p>\n<h5 class=\"sme-1\">\u062a\u0627\u062e\u06cc\u0631\u0633\u06d2 \u0627\u062f\u0627\u0626\u06cc\u06af\u06cc \u067e\u0631 \u0686\u06cc\u0631\u06cc\u0679\u06cc<\/h5>\n<p>\u0645\u0642\u0631\u0631\u06c1 \u062a\u0627\u0631\u06cc\u062e \u06a9\u06d2 \u0628\u0639\u062f \u0686\u06cc\u0631\u06cc\u0679\u06cc \u06a9\u06cc \u0645\u062f \u0645\u06cc\u06ba20 \u0641\u06cc\u0635\u062f \u0633\u0627\u0644\u0627\u0646\u06c1 \u0648\u0635\u0648\u0644 \u06a9\u0626\u06d2 \u062c\u0627\u0626\u06cc\u06ba \u06af\u06d2 \u062c\u0648 \u0686\u06cc\u0631\u06cc\u0679\u06cc \u0627\u06a9\u0627\u0624\u0646\u0679 \u0645\u06cc\u06ba \u0645\u0646\u062a\u0642\u0644 \u06a9\u0626\u06d2 \u062c\u0627\u0626\u06cc\u06ba \u06af\u06d2\u06d4<\/p>\n<h5>How to Apply<\/h5>\n<p>\u062f\u0631\u06a9\u0627\u0631 \u062f\u0633\u062a\u0627\u0648\u06cc\u0632\u0627\u062a<\/p>\n<p>\u067e\u0631\u0648\u067e\u0631\u0627\u0626\u0679\u0631\u0634\u067e \u06a9\u06d2 \u0644\u0626\u06d2:<\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>\u067e\u0631\u0648\u067e\u0631\u0627\u0626\u0679\u0631 \u06a9\u06d2 \u0634\u0646\u0627\u062e\u062a\u06cc \u06a9\u0627\u0631\u0688 \u06a9\u06cc \u0646\u0642\u0648\u0644<\/li>\n<li>Request for credit facility on Letterhead.<\/li>\n<li>\u0642\u0631\u0636 \u062f\u06c1\u0646\u062f\u06c1 \u06a9\u06cc \u0628\u0646\u06cc\u0627\u062f\u06cc \u0641\u06cc\u06a9\u0679 \u0634\u06cc\u0679 \u062c\u0633 \u06a9\u06d2 \u06c1\u0631 \u0635\u0641\u062d\u06d2 \u067e\u0631 \u067e\u0631\u0648\u067e\u0631\u0627\u0626\u0679\u0631 \u06a9\u06d2 \u062f\u0633\u062a\u062e\u0637 \u0627\u0648\u0631\u0645\u06c1\u0631 \u06c1\u0648<\/li>\n<li>\u0633\u0648\u0644 \u067e\u0631\u0648\u067e\u0631\u0627\u0626\u0679\u0631\u0634\u067e \u0688\u06a9\u0644\u06cc\u0626\u0631\u06cc\u0634\u0646<\/li>\n<li>\u067e\u0631\u0648\u067e\u0631\u0627\u0626\u0679\u0631 \u06a9\u06cc \u0630\u0627\u062a\u06cc \u062c\u0627\u0626\u06cc\u062f\u0627\u062f \u06a9\u06cc \u0627\u0633\u0679\u06cc\u0679\u0645\u0646\u0679<\/li>\n<li>\u06af\u0632\u0634\u062a\u06c1 3 \u0633\u0627\u0644 \u06a9\u06cc \u0641\u0646\u0627\u0646\u0634\u0644 \u0627\u0633\u0679\u06cc\u0679\u0645\u0646\u0679 \u062c\u0633 \u067e\u0631 \u067e\u0631\u0648\u067e\u0631\u0627\u0626\u0679\u0631 \u06a9\u06d2 \u062f\u0633\u062a\u062e\u0637 \u06c1\u0648\u06ba<\/li>\n<li>\u06a9\u0645\u067e\u0646\u06cc \u067e\u0631\u0648\u0641\u0627\u0626\u0644<\/li>\n<li>\u062a\u0627\u0632\u06c1 \u0627\u0633\u0679\u0627\u06a9 \u0631\u067e\u0648\u0631\u0679<\/li>\n<li>\u0648\u0635\u0648\u0644\u06cc\u0648\u06ba \u06a9\u06cc \u062a\u0627\u0632\u06c1 \u0631\u0633\u06cc\u062f\u06cc\u06ba<\/li>\n<li>\u062f\u06cc\u06af\u0631 \u0628\u06cc\u0646\u06a9\u0648\u06ba \u06a9\u06cc \u06af\u0632\u0634\u062a\u06c1 6 \u0645\u0627\u06c1 \u06a9\u06cc \u0628\u06cc\u0646\u06a9 \u0627\u0633\u0679\u06cc\u0679\u0645\u0646\u0679<\/li>\n<\/ul>\n<\/div>\n<p>\u067e\u0627\u0631\u0679\u0646\u0631\u0634\u067e \u06a9\u06d2 \u0644\u0626\u06d2<\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>\u062a\u0645\u0627\u0645 \u067e\u0627\u0631\u0679\u0646\u0631\u0632 \u06a9\u06d2 \u0634\u0646\u0627\u062e\u062a\u06cc \u06a9\u0627\u0631\u0688 \u06a9\u06cc \u0646\u0642\u0648\u0644<\/li>\n<li>\u0644\u06cc\u0679\u0631\u06c1\u06cc\u0688 \u067e\u0631 \u06a9\u0631\u06cc\u0688\u0679 \u06a9\u06cc \u0633\u06c1\u0648\u0644\u062a \u06a9\u06d2 \u0644\u0626\u06d2 \u062f\u0631\u062e\u0648\u0627\u0633\u062a<\/li>\n<li>\u0642\u0631\u0636 \u062f\u06c1\u0646\u062f\u06c1 \u06a9\u06cc \u0628\u0646\u06cc\u0627\u062f\u06cc \u0641\u06cc\u06a9\u0679 \u0634\u06cc\u0679 \u062c\u0633 \u06a9\u06d2 \u06c1\u0631 \u0635\u0641\u062d\u06d2 \u067e\u0631 \u0645\u062c\u0627\u0632\u062f\u0633\u062a\u062e\u0637 \u06a9\u0646\u0646\u062f\u06c1 \u06a9\u06d2 \u062f\u0633\u062a\u062e\u0637 \u0627\u0648\u0631 \u0645\u06c1\u0631\u06c1\u0648<\/li>\n<li>\u067e\u0627\u0631\u0679\u0646\u0631\u0632 \u06a9\u06cc \u0630\u0627\u062a\u06cc \u062c\u0627\u0626\u06cc\u062f\u0627\u062f \u06a9\u06cc \u0627\u0633\u0679\u06cc\u0679\u0645\u0646\u0679<\/li>\n<li>\u06af\u0632\u0634\u062a\u06c1 3 \u0633\u0627\u0644 \u06a9\u06cc \u0641\u0646\u0627\u0646\u0634\u0644 \u0627\u0633\u0679\u06cc\u0679\u0645\u0646\u0679 \u062c\u0633 \u067e\u0631 \u0645\u062c\u0627\u0632 \u062f\u0633\u062a\u062e\u0637 \u06a9\u0646\u0646\u062f\u06c1 \u06a9\u06d2 \u062f\u0633\u062a\u062e\u0637 \u06c1\u0648\u06ba<\/li>\n<li>\u06a9\u0645\u067e\u0646\u06cc \u067e\u0631\u0648\u0641\u0627\u0626\u0644<\/li>\n<li>\u062a\u0627\u0632\u06c1 \u0627\u0633\u0679\u0627\u06a9 \u0631\u067e\u0648\u0631\u0679<\/li>\n<li>\u0648\u0635\u0648\u0644\u06cc\u0648\u06ba \u06a9\u06cc \u062a\u0627\u0632\u06c1 \u0631\u0633\u06cc\u062f\u06cc\u06ba<\/li>\n<li>\u062f\u06cc\u06af\u0631 \u0628\u06cc\u0646\u06a9\u0648\u06ba \u06a9\u06cc \u06af\u0632\u0634\u062a\u06c1 6 \u0645\u0627\u06c1 \u06a9\u06cc \u0628\u06cc\u0646\u06a9 \u0627\u0633\u0679\u06cc\u0679\u0645\u0646\u0679<\/li>\n<\/ul>\n<\/div>\n<p>Private Limited Company:<\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>\u062a\u0645\u0627\u0645 \u0688\u0627\u0626\u0631\u06cc\u06a9\u0679\u0631\u0632\u06a9\u06d2 \u0634\u0646\u0627\u062e\u062a\u06cc \u06a9\u0627\u0631\u0688 \u06a9\u06cc \u0646\u0642\u0648\u0644<\/li>\n<li>\u0644\u06cc\u0679\u0631\u06c1\u06cc\u0688 \u067e\u0631 \u06a9\u0631\u06cc\u0688\u0679 \u06a9\u06cc \u0633\u06c1\u0648\u0644\u062a \u06a9\u06d2 \u0644\u0626\u06d2 \u062f\u0631\u062e\u0648\u0627\u0633\u062a<\/li>\n<li>\u0642\u0631\u0636 \u062f\u06c1\u0646\u062f\u06c1 \u06a9\u06cc \u0628\u0646\u06cc\u0627\u062f\u06cc \u0641\u06cc\u06a9\u0679 \u0634\u06cc\u0679 \u062c\u0633 \u06a9\u06d2 \u06c1\u0631 \u0635\u0641\u062d\u06d2 \u067e\u0631 \u0645\u062c\u0627\u0632\u062f\u0633\u062a\u062e\u0637 \u06a9\u0646\u0646\u062f\u06c1 \u06a9\u06d2 \u062f\u0633\u062a\u062e\u0637 \u0627\u0648\u0631 \u0645\u06c1\u0631\u06c1\u0648<\/li>\n<li>\u062f\u0627\u0633\u0633<\/li>\n<li>Form A.<\/li>\n<li>\u062a\u0627\u0632\u06c1 \u0641\u0627\u0631\u064529<\/li>\n<li>\u0645\u06cc\u0645\u0648\u0631\u0646\u0688\u0645 \u0622\u0641 \u0627\u06cc\u0633\u0648\u0633\u06cc \u0627\u06cc\u0634\u0646 ( \u0627\u06cc\u0645 \u0627\u0648 \u0627\u06d2) \u0627\u0648\u0631 \u0622\u0631\u0679\u06cc\u06a9\u0644 \u0622\u0641 \u0627\u06cc\u0633\u0648\u0633\u06cc \u0627\u06cc\u0634\u0646 ( \u0627\u06d2 \u0627\u0648 \u0627\u06d2)<\/li>\n<li>\u0627\u0646\u06a9\u0627\u0631\u067e\u0648\u0631\u06cc\u0634\u0646 \u0633\u0631\u0679\u06cc\u0641\u06a9\u06cc\u0679 ( \u0633\u06cc \u0627\u0648 \u0622\u0626\u06cc)<\/li>\n<li>\u062a\u0645\u0627\u0645 \u0688\u0627\u0626\u0631\u06cc\u06a9\u0679\u0631\u0632 \u06a9\u06cc \u0630\u0627\u062a\u06cc \u062c\u0627\u0626\u06cc\u062f\u0627\u062f \u06a9\u06cc \u0627\u0633\u0679\u06cc\u0679\u0645\u0646\u0679<\/li>\n<li>\u06af\u0632\u0634\u062a\u06c1 3 \u0633\u0627\u0644 \u06a9\u06cc \u0641\u0646\u0627\u0646\u0634\u0644 \u0627\u0633\u0679\u06cc\u0679\u0645\u0646\u0679 \u062c\u0633 \u067e\u0631 \u0645\u062c\u0627\u0632 \u062f\u0633\u062a\u062e\u0637 \u06a9\u0646\u0646\u062f\u06c1 \u06a9\u06d2 \u062f\u0633\u062a\u062e\u0637 \u06c1\u0648\u06ba<\/li>\n<li>\u06a9\u0645\u067e\u0646\u06cc \u067e\u0631\u0648\u0641\u0627\u0626\u0644<\/li>\n<li>\u062a\u0627\u0632\u06c1 \u0627\u0633\u0679\u0627\u06a9 \u0631\u067e\u0648\u0631\u0679<\/li>\n<li>Latest aging of receivables.<\/li>\n<li>\u062f\u06cc\u06af\u0631 \u0628\u06cc\u0646\u06a9\u0648\u06ba \u06a9\u06cc \u06af\u0632\u0634\u062a\u06c1 6 \u0645\u0627\u06c1 \u06a9\u06cc \u0628\u06cc\u0646\u06a9 \u0627\u0633\u0679\u06cc\u0679\u0645\u0646\u0679<\/li>\n<\/ul>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">\u0627\u06a9\u062b\u0631 \u067e\u0648\u0686\u06be\u06d2 \u062c\u0627\u0646\u06d2 \u0648\u0627\u0644\u06d2 \u0633\u0648\u0627\u0644\u0627\u062a<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<div class=\"bold\">\n<p><a data-target=\"#demo88\" data-toggle=\"collapse\" >\u0645\u06cc\u06ba \/ \u06c1\u0645 \u06a9\u0631\u06cc\u0688\u0679 \u06a9\u06cc \u0633\u06c1\u0648\u0644\u062a \u06a9\u06d2 \u0644\u0626\u06d2 \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u0641\u0627\u0631\u0645 \u06a9\u0633 \u0637\u0631\u062d \u062d\u0627\u0635\u0644 \u06a9\u0631 \u0633\u06a9\u062a\u06d2 \u06c1\u06cc\u06ba\u061f<\/a><\/p>\n<div class=\"collapse\" id=\"demo88\">\n<div class=\"ans_box list_cst\">\n<ul>\n<li><span>Application form &#038; BBFS can be obtained from our designated branch (list attached)<\/span><\/li>\n<\/ul>\n<\/div>\n<ul>\n<\/ul>\n<\/div>\n<p><a data-target=\"#demo89\" data-toggle=\"collapse\" >\u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06d2 \u0644\u0626\u06d2 \u0628\u06cc\u0646\u06a9 \u06a9\u0633 \u0642\u0633\u0645 \u06a9\u06cc \u0633\u06cc\u06a9\u06cc\u0648\u0631\u0679\u06cc \u06a9\u0648 \u062a\u0631\u062c\u06cc\u062d \u062f\u06cc\u062a\u0627\u06c1\u06d2\u061f<\/a><\/p>\n<div class=\"collapse\" id=\"demo89\">\n<div class=\"ans_box list_cst\">\n<ul>\n<li><span>\n<div class=\"pad_left list_cst\">\n<ul>\n<li><span>\u0645\u0648\u062c\u0648\u062f\u06c1 \u0627\u062b\u0627\u062b\u0648\u06ba \u067e\u0631 \u06a9\u0641\u0627\u0644\u062a \u0646\u0627\u0645\u06c1 ( \u06a9\u0631\u06cc\u0688\u0679 \u0633\u06c1\u0648\u0644\u062a \u06a9\u06cc \u0642\u0633\u0645 \u067e\u0631 \u0645\u0646\u062d\u0635\u0631 \u06c1\u06d2)<\/span><\/li>\n<li><span>\u0627\u0634\u06cc\u0627 \u06a9\u0627 \u062f\u0631\u062e\u0648\u0627\u0633\u062a ( \u06a9\u0631\u06cc\u0688\u0679 \u0633\u06c1\u0648\u0644\u062a \u06a9\u06cc \u0642\u0633\u0645 \u067e\u0631 \u0645\u0646\u062d\u0635\u0631 \u06c1\u06d2)<\/span><\/li>\n<li><span>\u067e\u0631\u0627\u067e\u0631\u0679\u06cc \u0645\u0648\u0631\u06af\u06cc\u062c ( \u062a\u0631\u062c\u06cc\u062d\u0627\u064b \u0634\u06c1\u0631\u06cc \u0639\u0644\u0627\u0642\u06d2)<\/span><\/li>\n<li><span>\u067e\u0631\u0648\u067e\u0631\u0627\u0626\u0679\u0631\u0632\/ \u067e\u0627\u0631\u0679\u0646\u0631\u0632\/ \u0688\u0627\u0626\u0631\u06cc\u06a9\u0679\u0631\u0632\/ \u0645\u0648\u0631\u06af\u06cc\u062c\u0631 \u06a9\u06cc \u0630\u0627\u062a\u06cc \u06af\u0627\u0631\u0646\u0679\u06cc<\/span><\/li>\n<li><span>\u06a9\u0627\u0624\u0646\u0679\u0631 \u06af\u0627\u0631\u0646\u0679\u06cc ( \u0635\u0631\u0641 \u0628\u06cc\u0646\u06a9 \u06af\u0627\u0631\u0646\u0679\u06cc \u06a9\u06cc \u0633\u06c1\u0648\u0644\u062a \u06a9\u06d2 \u0644\u0626\u06d2)<\/span><\/li>\n<\/ul>\n<\/div>\n<p><\/span><\/li>\n<\/ul>\n<\/div>\n<ul>\n<\/ul>\n<\/div>\n<p><a data-target=\"#demo90\" data-toggle=\"collapse\" >\u06a9\u06cc\u0627 \u0627\u0633\u0644\u0627\u0645\u06cc \u0628\u06cc\u0646\u06a9\u0646\u06af \u06a9\u06cc \u0627\u06cc\u0633\u06cc \u06a9\u0648\u0626\u06cc \u067e\u0631\u0648\u0688\u06a9\u0679 \u0645\u0648\u062c\u0648\u062f \u06c1\u06d2 \u062c\u0648 \u0631\u0648\u0627\u06cc\u062a\u06cc \u0628\u06cc\u0646\u06a9\u0646\u06af \u067e\u0631\u0648\u0688\u06a9\u0679 \u06a9\u06cc \u0631\u0646\u0646\u06af \u0641\u0646\u0627\u0646\u0633 ( \u0622\u0631 \u0627\u06cc\u0641) \/ \u0627\u0648\u0648\u0631 \u0688\u0631\u0627\u0641\u0679 \u06a9\u0627 \u0645\u062a\u0628\u0627\u062f\u0644 \u06c1\u0648\u061f<\/a><\/p>\n<div class=\"collapse\" id=\"demo90\">\n<div class=\"ans_box list_cst\">\n<ul>\n<li><span>\u0628\u0627\u0644\u06a9\u0644 \u0648\u06cc\u0633\u06cc \u062a\u0648 \u0645\u0648\u062c\u0648\u062f \u0646\u06c1\u06cc\u06ba \u06c1\u06d2 \u0644\u06cc\u06a9\u0646 \u06a9\u0645\u067e\u0646\u06cc \u06a9\u06cc \u0648\u0631\u06a9\u0646\u06af \u06a9\u06cc\u067e\u0679\u0644 \u06a9\u06cc \u0636\u0631\u0648\u0631\u06cc\u0627\u062a \u06a9\u0648 \u06a9\u0627\u0631\u0648\u0628\u0627\u0631 \u0641\u0646\u0627\u0646\u0633 \u067e\u0631\u0648\u0688\u06a9\u0679 \u06a9\u06d2 \u0630\u0631\u06cc\u0639\u06d2 \u067e\u0648\u0631\u0627 \u06a9\u06cc\u0627 \u062c\u0627 \u0633\u06a9\u062a\u0627 \u06c1\u06d2 \u0627\u0648\u0631 \u0627\u0633\u062a\u062b\u0646\u06cc\u0670 ( \u062e\u0627\u0635 \u0637\u0648\u0631 \u067e\u0631 \u0645\u06cc\u0646\u0648\u0641\u06cc\u06a9\u0686\u0631\u0631\u0632 \u06a9\u06cc\u0644\u0626\u06d2) \u067e\u0631\u0648\u0688\u06a9\u0679\u0633 \u0628\u06be\u06cc \u062f\u0631\u062c \u0628\u0627\u0644\u0627 \u0636\u0631\u0648\u0631\u06cc\u0627\u062a \u06a9\u0648 \u067e\u0648\u0631\u0627 \u06a9\u0631\u0646\u06d2 \u06a9\u06d2 \u0644\u0626\u06d2 \u0627\u0633\u062a\u0639\u0645\u0627\u0644 \u06a9\u06cc \u062c\u0627 \u0633\u06a9\u062a\u06cc \u06c1\u06cc\u06ba\u06d4<\/span><\/li>\n<\/ul>\n<\/div>\n<ul>\n<\/ul>\n<\/div>\n<p><a data-target=\"#demo91\" data-toggle=\"collapse\" >\u0645\u06cc\u06ba \u0628\u06cc\u0646\u06a9 \u0627\u0633\u0644\u0627\u0645\u06cc \u06a9\u0633 \u0642\u0633\u0645 \u06a9\u06cc \u06a9\u0631\u06cc\u0688\u0679 \u06a9\u06cc \u0633\u06c1\u0648\u0644\u062a \u062d\u0627\u0635\u0644 \u06a9\u0631 \u0633\u06a9\u062a\u0627 \u06c1\u0648\u06ba\u061f<\/a><\/p>\n<div class=\"collapse\" id=\"demo91\">\n<div class=\"ans_box list_cst\">\n<ul>\n<li><span>We provide following Shariah Compliant Products &#038; Services\n<p><b>\u0642\u0644\u06cc\u0644 \u0645\u062f\u062a\u06cc<\/b><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li><span>\u0641\u0631\u0645 \u06a9\u06cc \u0648\u0631\u06a9\u0646\u06af \u06a9\u06cc\u067e\u0679\u0644 \u06a9\u06cc \u0636\u0631\u0648\u0631\u06cc\u0627\u062a \u06a9\u0648 \u067e\u0648\u0631\u0627 \u06a9\u0631\u0646\u06d2 \u06a9\u06d2 \u0644\u0626\u06d2<\/span><\/li>\n<li><span>\u062a\u062c\u0627\u0631\u062a \u0633\u06d2 \u0645\u062a\u0639\u0644\u0642 \u06a9\u0627\u0631\u0648\u0628\u0627\u0631 ( \u0627\u0645\u067e\u0648\u0631\u0679\/ \u0627\u06cc\u06a9\u0633\u067e\u0648\u0631\u0679)<\/span><\/li>\n<\/ul>\n<\/div>\n<p><b>\u0637\u0648\u06cc\u0644 \u0645\u062f\u062a\u06cc<\/b><\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li><span>Acquisition of Plant &#038; Machinery<\/span><\/li>\n<li><span>\u06a9\u0645\u0631\u0634\u0644 \u06cc\u0627 \u0635\u0646\u0639\u062a\u06cc \u062c\u0627\u0626\u06cc\u062f\u0627\u062f \u06a9\u06cc \u062e\u0631\u06cc\u062f\u0627\u0631\u06cc<\/span><\/li>\n<\/ul>\n<\/div>\n<p><\/span><\/li>\n<\/ul>\n<\/div>\n<ul>\n<\/ul>\n<\/div>\n<\/div>\n<p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port --><\/section>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t<div id=\"sbp-risk-sharing-facility-under-rozgar-scheme\">\n\t\t\t\t\t\t\t<table class=\"Table cke_show_border\" width=\"95%\">\n<tbody>\n<tr>\n<td valign=\"top\">The Presidents\/CEOs,<br \/>\nAll Banks\/DFIsDear Sirs\/Madam,<\/p>\n<p align=\"center\"><b><u>Risk Sharing Facility for SBP Refinance Scheme to support employment and prevent layoff of workers<\/u><\/b><\/p>\n<p>Please refer to IH&amp;SMEFD Circular No. 06 and 07 of 2020 dated April 10, 2020 regarding SBP Refinance Scheme to support employment and prevent layoff of workers.<\/p>\n<p>2. With a view to incentivize banks\/DFIs for financing to SMEs and small corporates under above mentioned schemes, Government of Pakistan has approved budgetary allocation for \u2018Risk Sharing Facility for State Bank of Pakistan (SBP) Refinance Scheme to Support Employment and Prevent Layoff of Workers\u2019. Accordingly, the risk sharing facility is being provided with immediate effect, with following key features.<\/p>\n<table class=\"Table cke_show_border\" width=\"95%\" align=\"center\">\n<tbody>\n<tr>\n<td width=\"19%\">\n<p align=\"center\"><b>S.No<\/b><\/p>\n<\/td>\n<td width=\"26%\">\n<p align=\"center\"><b>Particulars<\/b><\/p>\n<\/td>\n<td width=\"55%\">\n<p align=\"center\"><b>Key features<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p align=\"center\">1<\/p>\n<\/td>\n<td>\n<p align=\"center\">\u0627\u06c1\u0644\u06cc\u062a<\/p>\n<\/td>\n<td>\n<table class=\"Table cke_show_border\" width=\"95%\" align=\"center\">\n<tbody>\n<tr>\n<td>The financing extended to businesses with maximum sales turnover of Rs 2 billion, under SBP refinance scheme to support employment and prevent layoff of workers is eligible for Risk Sharing Facility by the GOP.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p align=\"center\">2<\/p>\n<\/td>\n<td>\n<p align=\"center\">Risk Coverage<\/p>\n<\/td>\n<td>\n<table class=\"Table cke_show_border\" width=\"95%\" align=\"center\">\n<tbody>\n<tr>\n<td>GoP will bear 40% first loss on disbursed portfolio (principal portion only) for eligible borrowers.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Note: In case of non-repayments, after being classified as\u00a0<b>\u2018Loss\u2019<\/b>\u00a0(as per the classification criteria laid down under respective SBP Prudential Regulations, credit loss subsidy claim will be paid by the GOP).<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p align=\"center\">3<\/p>\n<p align=\"center\">Security Requirements<\/p>\n<table class=\"Table cke_show_border\" width=\"95%\" align=\"center\">\n<tbody>\n<tr>\n<td>Security arrangements will be as per executing agency\u2019s own credit policy after taking into account the factor of this risk sharing facility. Hence, banks are encouraged to facilitate collateral deficient borrowers. In any case, banks will not be asking for additional collaterals over and above 60% of the principal amount and markup thereon<i>.<\/i><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p align=\"center\">4<\/p>\n<p align=\"center\">Executing Agency<\/p>\n<table class=\"Table cke_show_border\" width=\"95%\" align=\"center\">\n<tbody>\n<tr>\n<td>Banks and DFI assigned limits under SBP scheme will be eligible Executing Agencies (EAs).<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p align=\"center\">5<\/p>\n<p align=\"center\">Additional Measures<\/p>\n<table class=\"Table cke_show_border\" width=\"95%\" align=\"center\">\n<tbody>\n<tr>\n<td>EAs shall develop and implement robust mechanism to ensure that the loans are utilized for intended purpose only.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p align=\"center\">6<\/p>\n<p align=\"center\">Administration<\/p>\n<table class=\"Table cke_show_border\" width=\"95%\" align=\"center\">\n<tbody>\n<tr>\n<td>Development Finance Support Department (DFSD), SBP BSC will manage operational aspects of the risk sharing facility. DFSD will submit data under the risk sharing facility on quarterly basis to the Finance Division.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p align=\"center\">7<\/p>\n<p align=\"center\">Subsidy Payment<\/p>\n<table class=\"Table cke_show_border\" width=\"95%\" align=\"center\">\n<tbody>\n<tr>\n<td>EAs shall submit credit loss subsidy claims to DFSD on quarterly basis within 15 working days after the end of each quarter. DFSD after scrutiny of the claims shall submit the same to Finance Division, GOP. FD will release payment against submitted claims within 15 working days. Upon receipt of subsidy from GOP, SBP BSC Karachi will credit the account of EAs with the subsidy amount.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>3. \u00a0The banks\/DFIs are advised to ensure immediate implementation of \u2018Risk Sharing Facility for SBP Refinance Scheme to support employment and prevent layoff of workers\u2019 and facilitate the eligible businesses to avail financing under this facility.<\/p>\n<table class=\"Table cke_show_border\" width=\"30%\" align=\"right\">\n<tbody>\n<tr>\n<td>\n<p align=\"center\">Yours sincerely,<\/p>\n<p>Sd\/-<\/p>\n<p><b>(Dr. Mian Farooq Haq)<\/b><br \/>\nDirector<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>You can access the same circular via State Bank\u2019s website by clicking on the following link:<\/p>\n<p><a href=\"http:\/\/www.sbp.org.pk\/smefd\/circulars\/2020\/C9.htm\" target=\"_blank\" rel=\"noopener\" data-cke-saved-href=\"http:\/\/www.sbp.org.pk\/smefd\/circulars\/2020\/C9.htm\">http:\/\/www.sbp.org.pk\/smefd\/circulars\/2020\/C9.htm<\/a><\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":73014,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-41184","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/41184","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/comments?post=41184"}],"version-history":[{"count":0,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/41184\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/media\/73014"}],"wp:attachment":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/media?parent=41184"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}