SME

Refinance & Credit Guarantee Scheme for Women Entrepreneurs

Purpose: Under the scheme, We will provide financing facilities to women entrepreneurs to meet credit needs of their businesses.

Financing Amount: The maximum financing limit under the scheme will be Rupees Five  million (Rs. 5.00 M)

Target Segment: Financing under the scheme should be provided for setting up new business enterprises or expanding existing ones.

Eligibility Criteria: Financing shall be available to women entrepreneurs across the country

Markup Rate: Rate of mark-up for end user under the facility will be up to 5% per annum (p.a.).

Refinance Facility for Modernization of SMEs-Scope and Eligibility

Target  Segment: Financing shall be available to wide range of SME Clusters / Sectors

Eligibility: Only SME borrowers, as defined in Prudential Regulations for SMEs, shall be eligible to avail financing facilities under the Scheme

Purpose: Financing shall be available for purchase of new imported/local plant & machinery for existing units and setting up of new SME units. Financing shall also be available for import / local purchase of new generators up‐to a maximum capacity of 500 KVA

Mark up Rate: End User Rate: 6 p.a.%

Tenor: Maximum period ten years including a maximum grace period of six months

Refinance Scheme for Working Capital Financing of Small Enterprises and Low-End Medium Enterprises

Purpose: This Short-term Financing Facility is initially available to meet the working capital requirements of selected SE & Low end ME Sectors.

Financing Amount:

• Up to Rs 25 million for SEs
• Up to Rs 50 million for MEs

Eligible Enterprises

• All small enterprises (SEs)as per SBP’s PRs
• Medium Enterprises (MEs) with annual sales up to Rs 300 M

Target Segment:

• Information Technology (IT)
• Gems and Jewelry
• Furniture
• Leather industry
• Surgical goods
• Fruits, vegetables and food processing & packaging
• Dates processing
• Printing & packaging

Markup Rate: The end user rate is 6% p.a.

Small Enterprise (SE) Financing and Credit Guarantee Scheme for Special Persons

Purpose: In line with the Government of Pakistan’s priority to improve the socio-economic life of the special persons in the country and SBP’s measures for improving access to finance for this vulnerable segment of the economy.

Eligibility: Financing under the scheme will be available to special persons holding CNIC with disability logo/symbol.

Loan Size: Maximum financing limit will be Rs.1.5 Million.

End User Rate: The end user rate will be up to 5% per annum (p.a.).

Loan Type: Financing may be provided for the setting up of new business enterprises or the expansion of existing ones.

Tenor: Up to 5 years including a grace period of up to 6 months

Prime Minister’s Youth Business & Agriculture Loan Scheme (PMYB&ALS)

Purpose: The government of Pakistan has approved revisions in the key features of PMKJ-YES to make it more purposeful and beneficial for small businesses and agriculture.

Eligibility: All citizens of Pakistan holding CNIC, aged between 21 and 45 years with entrepreneurial potential are eligible

• For IT/E-Commerce related businesses, the lower age limit will be 18 years and at least matriculation or equivalent education will be required.
• The above age limit condition applies to individuals and sole proprietors. In the case of all other forms of business including partnerships and companies, only one of the owners, partners or directors must be in the age bracket prescribed above.
• Small and Medium Enterprises (startups and existing businesses) owned by youth as per above mentioned age brackets are also eligible
• In the case of agriculture, farmers’ classification as per SBP’s “Indicative Credit Limits & Eligible Items for Agriculture Financing 2020” will be applicable.

Loan Size:

The size of the loan is segregated into 2 tiers, as per the assigned limit to HABIBMETRO by SBP

• Tier 2 (T2): Above Rs 0.5 million and up to Rs 1.5 million
• Tier 3 (T3): Above Rs 1.5 million and up to Rs 7.5 million

End User Rate:

• T2: 5% p.a.
• T3: 7% p.a.

For more information, please call 021-111-1(HABIB)42242.