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 AmountMinimum: Rs.15000


Maximum: Rs.150000

Loan durationMaximum Loan Duration is 18 Months.
Loan to ValueLoan to gold value will be 70%
Repayment optionLump sum
CollateralGold/Gold Ornaments
Interest rate24% (Declining)
Fee and chargesAs per bank’s SOC
Free Insurance
  • Free Credit Life Insurance
  • Free Medical Insurance (For Borrower and spouse up to Rs.20,000)
  • Customer Gold Insurance