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.).
Under the scheme, Government of Pakistan will provide risk coverage of 40 percent to 60 percent on first loss portfolio basis on following portfolio categories:
 

Portfolio Category

Risk Coverage

Loans of up to PKR 4 million

60 percent

Loans exceeding PKR 4 million and up to PKR 7 million

50 percent

Loans exceeding PKR 7 million and up to PKR 10 million

40 percent


The scheme will be available to SME borrowers towards the end of September, 2021
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
    21.00% p.a.
     
    SBP Overnight
    Reverse
    Repo (Ceiling) Rate
    22.00% p.a
     
    SBP Overnight
    Repo (Floor) Rate
    20.00% p.a.
  •  
    Weighted-average Overnight Repo Rate
    As on 25-May-23

    21.27% p.a.
    KIBOR
    As on 26-May-23
    Tenor BID OFFER
    3-M 21.84 22.09
    6-M 21.87

    22.12

    12-M 21.88 22.38
     

  • MTBs
    Tenor Rates
    3-M 21.9999%
    6-M 21.9157%
    12-M 21.9997%
    (as on May 17, 2023)
    Fixed-rate PIB
    Tenor Cut-off Rates
    3-Y 19.3895%
    5-Y Bids Rejected
    10-Y Bids Rejected
    15-Y No Bid
    20-Y No Bid
    30-Y No Bid
    (as on May 10, 2023)

    Floating-rate PIBs (Quarterly Coupon)

    Tenor Cut-off Price
    2-Y Rs.98.4698
    3-Y Rs.97.0476

    Floating-rate PIBs
    (Half-yearly Coupon)

    Tenor Cut-off Price
    5-Y Rs.94.4413
    10-Y No Bid
    (as on May 17, 2023)
    GIS FRR
    Tenor Cut-off Rental Rate
    1-Y 21.3000%
    3-Y Bids Rejected
    5-Y No Bid
    GIS VRR
    Tenor Cut-off Prices
    1-Y 100.0000
    3-Y 98.1250
    5-Y Bids Rejected
    (as on 18-May-2023)
  • PIB Auction
    (Fixed Rate)
    7-Jun-23


    MTB
    31-May-23

    Floating Rate PIB
    (Semi-Annual Coupon)

    31-May-23
    Floating-rate PIB
    (Quarterly Coupon)

    31-May-23
    GIS VRR

    1-Jun-23
    GIS FRR

    1-Jun-23
    As on 19-May-23
    SBP’s Reserves
    4,193.0
    Bank’s Reserves
    5,538.1
    Total Reserves
    9,731.1

  •  
    As on 26-May-23
     
    M2M
    Revaluation Rate
    285.1534
    Weighted
    Average Rate
    Bid: 284.7657
    Offer:

    285.1818

       
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