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
Loan eligibility
  • Minimum age 18 years and maximum age 60 years (At Loan Maturity)
  • Should have a Valid CNIC
  • Must be a permanent resident of same place.
Loan Amount Minimum: Rs.15000


Maximum: Rs.150000

Loan duration Maximum Loan Duration is 18 Months.
Loan to Value Loan to gold value will be 70%
Repayment option Lump sum
Collateral Gold/Gold Ornaments
Interest rate

24% p.a. (Declining balance method)

Fee and charges As per bank’s SOC
Free Insurance
  • Free Credit Life Insurance
  • Complementary Hospitalization & Death Insurance up to Rs.20,000/-
  • Customer Gold Insurance