Incentive Schemes

State Bank of Pakistan offers a range of incentive schemes to foster inclusive, sustainable, and broad-based economic growth by enhancing access to finance for priority sectors. These schemes support SMEs, housing finance, sustainable and green finance, and export finance through concessional financing facilities, risk-sharing mechanisms, and targeted policy measures. This webpage serves as a centralized repository of SBP’s key circulars and related instructions on incentive schemes, facilitating stakeholders in accessing relevant guidance, understanding applicable policy provisions, and navigating the regulatory framework with ease.

The Line of Credit (LoC) Fund

• SBP provides funds to Microfinance Banks (MFBs), Non-Bank Microfinance Companies (NBMFCs), and other Non-Bank Finance Companies engaged in the business of wholesale lending, for onward lending to MFBs and NBMFCs
• The facility is market driven and the rate of mark-up is linked with KIBOR
• Maximum loan tenor for financing MFBs and NBMFCs is 5 years
• Line of credit (LoC) Fund mainly focus on development of products and services catering to micro enterprises and micro housing sectors with specific target for women

Exporters may apply for these facilities through their banks by giving reference of the specific scheme.