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Asaan Sarmaya Loan/Gold Loan (ASL)

Loans for individuals who need working capital to finance the below mentioned activities and are able to provide gold or gold ornaments (except Mala) as security to pledge the same with the bank.

Purpose of loan

  • Agriculture
  • Livestock
  • Small Business & Enterprise
  • Start up Business
  • Asset Purchase
  • House Renovation/Repair & Maintenance
  • Domestic Needs/Emergency Loans
  • Education
  • Health
  • Marriage
  • Any Other Legal Activity

Aasan Sarmaya_Loan (ASL-Gold loan)

Target Market

Individuals who need to finance the following activities/purpose & having Gold/Gold ornaments except “Mala” as Collateral


Customer must either be a permanent resident of the locality or residing / working at the same place.

Loan Amount

- Minimum Loan Amount: Rs.15,000/-

- Maximum Loan Amount: Rs.2,000,000/-

Loan amount more than Rs:150,000 would be oared for income generating/business activities with proper appraisal made by respective loan officer however loan process will remain same under Gold loan Product.

Loan Duration

Loan Duration: 3-18 Months.

Age of Borrower

Minimum age: 18 Years Maximum age: 63 Years (at the time of loan booking)

Eligibility Not defaulter of NRSP BANK & other institutions
Loan Processing Fee As per applicable Charges
Mark Up Rate

As per applicable Schedule of Charges

Repayment Frequency Lump sum/bullet
Loan Processing Time (TAT)

Maximum 1 Hour

Early Closure

Allowed and Markup will be charged on loan utilized period only.

Late Payment Penalty


CIB and NADRA Check

The Bank does NADRA check and ECIB check on all customers and Applicant must hold valid CNIC and should not be defaulter of any bank/Financial Institutions.




Loan application form duly filled and signed

- Customer’s CNIC Copy

- One Recent Photograph of Customer

- Authorization form

- Bank Account in NRSP Branch

- ShroffValuation Certificate

- Letter of Pledger (Adhasive Tickets with value of Rs:100)

- Gold/Gold Ornaments


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