Features of the Product
Type of financing
Livestock–Seasonal Loans
Target area
Rural areas of Sindh
Market segments
Poor or very poor male or female villagers or farmer shaving permanent residence in the area having land holding of less than 12 acres.
Service charges rate
Rs. 0.45 per day per 1,000 on diminishing balance basis/As per applicable policy
Loan period
6 months
Loan size
Rs.10,000 to 50,000 depending on the loan cycles, credit need and cash flow based repayment capacity of the borrower.
Frequency of installment
Single or bullet payment
Lending methodology
Group as well as Individual lending
Collateral type
Social collateral, guarantee provided by the group members
Two guarantors for individual lending
Identification source
Copy of CNIC, and a photograph for males. Females are not required to provide photograph
Purpose of loan
Rearing, fattening, trading and milking of animals
Physical verification
Borrower’s residence and experience in livestock rearing and adequate space for livestock rearing
Cash flow Assessment
Finance Department
Loan Processing Fee
As per applicable policy
