This loan is delivered to urban poor who have income generating enterprises or other activities. Borrowers form small groups to cross guarantee each other and loans are issued based on individual loan appraisal approach of assessing business and household cash flow. Loans are amortized on monthly basis. The UED's may be taken for the following purposes but are not limited to these:
Grocery shops, Handicrafts, Procurement of animal for milk production, Repair of transport vehicles, Procurement of donkey cart, Mechanics workshop, Vegetable vendors, Barber shops, Electrician shops, Tea stalls, any business within the nature of a small enterprise.

Loan eligibility: Age 18-60, should have a CNIC, permanent resident of the locality, independent head of household for development of existing enterprise.
Loan Amount: Rs.5,000 to 150,000
Loan duration: 1 to 24 months
Repayment option: up to 24 installment
Collateral: Group guarantee
Disbursement: To individual
Interest rate: 30% for installment loans on declining trend