Kashaf Foundation New Bank Loan Scheme

Kashf Karobar Karza

Kashf Easy Loan

Kashf Sahulat Karza

Kashf Mahweshi Karza

Kashf Murabaha

Kashf School Sarmaya

Kashf Kruber Karza

Kashf Business Karza is the primary loan product offered by Kashf Foundation to those who wish to start their own business, expand their existing enterprise or women who intend to restart their closed business (applicable to this business which has been closed - for at least three months below). This product can also be acquired by women who want to support their families who are running a business.

Features and Specifications

Term                1 year (12 months)

Installments     12 (Equal Monthly Installments)

Amount from PKR 40,000 (first loan cycle) to PKR 100,000 (upper limit)

Document PKR 250 (paid in monthly installments)

Insurance Plan A: PKR 1,850 – with Maternity Coverage (premium paid in monthly installments)

Plan B: PKR 1,200 – without maternity (premium paid in monthly installments)

Kashf easy loan

Kashf Easy Loan (KEL) is a relatively new loan product introduced to meet the immediate needs of clients who require a small loan for any purpose. It is an easily accessible loan of PKR 15,000, aimed at tapping the low-income segment and also promoting microfinance readiness among low-income women clients. It helps customers who want to meet their financial needs immediately. This loan can be availed on easy terms and in short time.

Features and specifications

Duration one year

Episodes 12 (monthly episodes)

Amount PKR 15,000

Insurance Life insurance is available with this product.

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Kashf Sahulat Karza

Kashf Facility Loans are available to existing clients to provide cash to meet emergency expenses or needs that may arise during their loan tenure with Kashf. This loan can be used for any household or emergency needs and need not be used to meet any business needs.

Features and Specifications

Term                    6 months

Installments         6 (Monthly Installments)

Amount                PKR 5,000

Documentation    No processing fee

Insurance             Not applicable

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Kashf Mahweshi Karza

Kashf's overall approach through this loan product is focused on improving animal productivity, reducing risks and improving returns to women livestock producers.

Features and specifications

Aim for dairy meat

Amount Option 1: PKR 30,000 -100,000

Option 2: PKR 100,001 - 150,000 PKR 30,000 -100,000

Use Livestock Animal Purchase Livestock Animal Purchase

Term Option 1: 12 months

Option 2: 18 months

Option 1: 6 months

Option 2: 12 months

Option 3: 12 months with two pill payments

Repayment of principal and interest payments in equal monthly installments biannually and annually

Insurance Life Insurance

No health insurance.

Livestock Insurance Life Insurance

No Health Insurance

Livestock insurance

Training    Animal husbandry; Financial Literacy    Animal husbandry; Financial Literacy

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Kashf Murabaha

Kashf Marhabah is a customized product designed offered in Khyber Pakhtunkhwa province where Kashf’s market research showed a significant demand for microfinance but a higher degree of unease in accessing conventional microfinance products. To address the regional credit needs in KPK Kashf runs this Shariah Complaint program which has been approved by a Shariah advisor.

Features and Specifications

Term               One year

Installments    12 Month Lease

Amount           PKR 35,000 for first loan cycle

PKR                 75,000 (Upper Limit)

Documentation Charges    PKR 400

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Kashf School Sarmaya

Kashf School Sarmaya is a comprehensive credit facility that provides financial access to low-cost private schools as well as training teachers and school administrators on new teaching methods, new learning styles, effective school management and child sexual exploitation. Is. This product with its multi-pronged approach ensures that low-cost private schools have access to credit resulting in an overall improvement in the quality of education in these schools. Students also benefit directly from this initiative, as financial literacy training for youth is delivered to all grades, starting in pre-kindergarten through eighth grade. The curriculum, specially designed by Kashf's in-house education team, ranges from lessons on basics like counting money to sessions that teach students how to manage their expenses, budget and spend effectively. Teaches how to save.

Features and specifications

Duration 12-18 months

Episodes 12-18 (monthly episodes)

Minimum loan amount for first loan cycle – PKR 60,000 in case of loan tenure in 12 months

PKR 75,000 in case of loan for a period of 18 months

Maximum loan amount for first loan cycle: PKR 200,000

Maximum loan amount for second round of loan: PKR 300,000

Document charges PKR 500

2% insurance charges on PKR 20,000, 1% on balance

Training Fee Rs.1,000 (This fee will be paid along with the first installment)

Insurance (not applicable)

School profits Rs.8,000-70,000

Age Limit (Client and Nominee): Between 18 to 63 years and 5 months (for a loan tenure of 18 months)

(Client and Nominee): Between 18 to 63 years and 11 months (for a loan tenure of 12 months)

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How to apply For Kashf Easy Loan

The interested customer can go to any branch of Kashf Foundation and submit the form.

For application and more information

Apply Online