SMEDA SMEDA Pakistan
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Government of Pakistan
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SBP State Bank of Pakistan
+92-42-111-111-456 · helpdesk@smeda.org
Official Government Financing Comparison Tool

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Comparing loan limits, interest markup rates, tenure options, eligibility criteria, and direct loan officer contact numbers.

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Product Spec
The Bank of Punjab (BOP)
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The Bank of Punjab (BOP)

Islamic Refinance Facility for Modernization of SMEs Modernization of SMEs

Agriculture, Manufacturing, Trading
Loan Limit Range PKR 25M - 200M
Markup Rate & Fees Contact bank officer
Tenure & Period The maximum financing tenor is 10 years including a grace period of 6 months (Financing is allowed preferably up to 5 years)
Covered Sectors Agriculture, Manufacturing, Trading
Financing Purpose Payment of Labour & other expenses, Payment to Suppliers, Purchase / Construction / Renovation of Building, Purchase of Agricultural Machinery and Implements, Purchase of Dairy/Livestock/Poultry Machinery, Purchase of Machinery and Equipment, Purchase of Raw Material, Others
Eligibility Criteria
  • Medium to long-term financing is allowed to all SMEs for the modernization of their existing units. Preferably financing is allowed to purchase local or imported new machinery to expand business.
  • The entity should be profitable for one year.
  • The company and its sponsors must have clean CIB(s).
  • The company should be operating in the same sector for at least 2 years.
  • Other covenants may apply considering the sector where the client operates.
Details & Contact
Aamir Salehjee
Head