The scheme offers interest-free loans of up to PKR 1 million through a digital SME card. It supports small entrepreneurs in Punjab to grow and sustain their businesses, ensuring structured through Digital Channels (e.g. Mobile App, POS etc.) and transparent utilization of funds.

Key Features

• Maximum Limit: PKR 1 million
• Tenure of Loan: 03 Years
• Loan Type: Revolving credit facility for 12 months
• Repayment Term: 24 equal monthly installments after the first year
• Grace Period: 3 months from card issuance for repayment commencement
• Usage:
  • Vendor and supplier payments
  • Utility bills, government fees, and taxes
  • Cash withdrawal (up to 25% of the limit) for miscellaneous business purposes
  • Digital transactions through POS and mobile app
• End-User Interest Rate: 0%