Incentive Schemes for SMEs & Other Sectors
 
 
 SME Asaan Finance (SAAF) Scheme
 
All SMEs (new businesses as well as operative businesses) that are new borrowers of the participating banks are eligible.
Maximum financing, under the scheme, to a single SME will be capped at PKR 10 million.
All types of loans i.e. term loans as well as working capital/running finance loans will be eligible.
Loans may be secured against personal guarantees of the borrowers.
Maximum tenor of the loan will be as per financing facility approved by the participating bank.
Mark-up rate for end user under the scheme will be of up to 9 percent (p.a.). SBP will provide refinance to banks at 3 percent p.a. thereby, offering a spread of up to 6 percent p.a. (w.e.f September 18, 2023).
Under the scheme, Government of Pakistan will provide risk coverage of 30 percent to 50 percent on first loss portfolio basis on following portfolio categories:
 

Portfolio Category

Risk Coverage*

Loans of up to PKR 4 million

50 percent

Loans exceeding PKR 4 million and up to PKR 7 million

40 percent

Loans exceeding PKR 7 million and up to PKR 10 million

30 percent

*The above risk coverage will be effective from September 18, 2023.

Shariah compliant version of this scheme is also available
For Frequently Asked Questions (FAQs), please click here.
 
Click here for circular and detailed features of scheme
  •  
    SBP Policy Rate
    22.00% p.a.
     
    SBP Overnight
    Reverse
    Repo (Ceiling) Rate
    23.00% p.a
     
    SBP Overnight
    Repo (Floor) Rate
    21.00% p.a.
  •  
    Weighted-average Overnight Repo Rate
    As on 27-Feb-24

    21.25% p.a.
    KIBOR
    As on 28-Feb-24
    Tenor BID OFFER
    3-M 21.54 21.79
    6-M 21.49

    21.74

    12-M 21.99 21.49
     

  • MTBs
    Tenor Rates
    3-M 21.6998%
    6-M 20.3952%
    12-M 20.3290%
    (as on Feb 21, 2024)
    Fixed-rate PIB
    Tenor Cut-off Rates
    3-Y 16.7999%
    5-Y 15.5499%
    10-Y 14.5000%
    15-Y No Bid
    20-Y No Bid
    30-Y No Bid
    (as on Feb 14, 2024)

    Floating-Rate PIBs (Quarterly Coupon)

    Tenor Cut-off Price
    2-Y No Bid Received
    3-Y No Bid Received

    Floating-Rate PIBs
    (Half-yearly Coupon)

    Tenor Cut-off Price
    5-Y 95.8557
    10-Y 93.6342
    (as on Feb 21, 2024)
    GIS FRR
    Tenor Cut-off Rental Rate/Price
    3-Y 100.2842
    5-Y 100.0022
    GIS VRR
    Tenor Cut-off Margin/Price
    3-Y 99.0800
    5-Y 98.7600
    (as on 21-Dec-2023)
  • PIB Auction
    (Fixed Rate)
    13-Mar-24


    MTB
    06-Mar-24

    Floating Rate PIB
    (Semi-Annual Coupon)


    06-Mar-24
    Floating-rate PIB
    (Quarterly Coupon)

    06-Mar-24
    GIS VRR
    Jan-24

    GIS FRR
    Jan-24

    As on 16-Feb-24
    SBP’s Reserves
    8,012.8
    Bank’s Reserves
    5,085.0
    Total Reserves
    13,097.8

  •  
    As on 28-Feb-24
     
    M2M
    Revaluation Rate
    279.1191
    Weighted
    Average Rate
    Bid: 279.0164
    Offer:

    279.4562

       
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