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| Incentive Schemes for SMEs & Other Sectors |
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| SME Asaan Finance (SAAF) Scheme |
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All SMEs (new businesses as well as operative businesses) that are new borrowers of the participating banks are eligible. |
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Maximum financing, under the scheme, to a single SME will be capped at PKR 10 million. |
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All types of loans i.e. term loans as well as working capital/running finance loans will be eligible. |
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Loans may be secured against personal guarantees of the borrowers. |
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Maximum tenor of the loan will be as per financing facility approved by the participating bank. |
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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). |
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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: |
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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.
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Shariah compliant version of this scheme is also available |
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For Frequently Asked Questions (FAQs), please click here. |
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| Click here for circular and detailed features of scheme |
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