search
cross icons

Product Description

Empowering female micro entrepreneurs and small business owners in rural and urban areas. Whether you're in trading, manufacturing, or services sectors, this loan is tailored to meet your working capital needs and facilitate business expansion through asset and inventory purchase.

Loan Ticket

PKR- 50,000/- to 100,000/- (For 1st Loan Cycle)

Loan Tenure

3 Months to 36 Months

Smartphone Bundling

Smartphone loan

  • Household annual income less than Rs. 1,200,000/- (Net of Business Expenses)
  • Age between 19-60 years (1st loan cycle) 63 years (For subsequent loan cycles).
  • Business experience of minimum of 1 Years
  • Holding valid CNIC/SNIC
  • Not defaulter of any financial institutions & Public Utilities.
  • Residing in launching cities for at least 1 year in case of owned residence and 2 years in case of rented house

  • Yes - Mandatory (Any Salaried Person / Business Man).

  • 3 Months to 36 Months

  • Equal Monthly Installments

  • PKR- 50,000/- to 100,000/- (For 1st Loan Cycle)
  • PKR- 50,000/- to 350,000/- (For subsequent Loan Cycles)

  • As per SOBC

  • Allowed

  • *Terms & conditions applicable.

  • Customers can purchase a new mobile phone and submit the sales invoice to the bank staff. This invoice will be attached to their loan application
  • The value of the purchased smartphone must not exceed 15% of the requested loan amount
  • Once the loan is approved, the total loan amount, including the handset amount will be disbursed directly to the customer’s account
More Information:
  • The maximum tenure for Mobile Handset Financing is one year
  • A 30% mark-up will apply for the one-year handset financing term
  • Customers must independently purchase the handset from the open market and provide the sales invoice, along with the handset and its original packaging
  • If the handset’s value exceeds the eligible loan amount, the customer will bear the excess cost, as the bank will only finance up to 15% of the total loan amount
  • Only PTA-approved handsets are eligible to be bundled with the Bint-e-Hawa Business Loan

For complete Product Pricing Structure, please click here.

Explore More

E Bike Loan

Take the first step towards a greener and more affordable transportation solution.…

Salary Pension Loan

Take better control of your finances with inclusive loans

Karobar Plus Loan

Agri Plus Loan

Agri Plus Loan is being launched to cater the financing needs of the following…

Running Finance Loan

Meet the financial needs of your businesses

School Loan

Help meet your schools’ financial needs.

Khushhal Kissaan Value Chain Loan

For the farmer in you to cover purchase cost of agriculture inputs.

Commercial Vehicle Loan

Get a new or used local commercial vehicle for business use.

Tractor Loan

Purchase your Tractors and Agricultural Machinery easily.

Passbook Loan

For the micro entrepreneurs in you to fulfill your farming needs.

House Loan

Finance the house of your dreams into existence.

Livestock Loan

Finance breeding, milking, rearing and fattening of new animals with MMBL.

Fori Cash Loan

Loans of up to PKR 350K against Gold if you have a running business.

Khushhal Kissaan Loan

For the farmer in you to cover purchase cost of agriculture inputs.

Karobar Loan

The perfect loan for you to expand your small business.

Microenterprise Loan

Loans of up to PKR 3M against Gold if you have a running business.