Dear Applicant,
Before starting your application, please ensure that you have clear scanned copies or readable photographs of the following documents readily available:
Required Documents
Passport-size photograph / Selfie
CNIC (Front Side)
CNIC (Back Side)
Important Requirements (Before You Begin)
A mobile number registered against your CNIC must be available.
Details of two references (not blood relatives), including:
Names
CNIC copies
Mobile numbers
You must be an active tax filer.
Provide business income and expense details, where applicable:
For new businesses: estimated monthly income, expenses, and other income
For existing businesses: actual monthly financial details
Provide proof of address for business and residence, such as:
Rent Agreement
Transfer Letter
Registry
Utility Bill (as applicable)
Ensure that you meet the eligibility criteria.
Ensure that the application fee is available.
Security is not applicable for logistics.
For Tier-2 (T2) Loans, details of proposed security must be available, such as:
Property Transfer Letter
Registry
Fard
Government Securities, etc.
Application Submission Guidelines
You must sign up to submit your application.
A mobile number registered in your own name is mandatory for verification and communication.
The application process will take approximately 15 minutes, provided all information is available.
You may:
Complete the form in one session, or
Save it as a draft and submit later
Upload maximum supporting documents, such as:
Financial Statements
Business Feasibility
Bank Statements (last 6 months), if available
Processing of your application will begin only after:
Submission of the complete form, and
Successful deposit of the application fee
Application Submission Fees
Tier 1: PKR 5,000 (Non-Refundable)
Tier 2: PKR 10,000 (Non-Refundable)
Once submitted:
A PSID for payment will be displayed on the screen.
You will receive SMS notifications regarding your application status.
You may also check your application status on the website at any time.
Politically Exposed Persons (PEPs) – Policy Overview
A Politically Exposed Person (PEP) refers to an individual who is or has been entrusted with a prominent public function, either domestically, by a foreign country, or within an international organization. This includes, but is not limited to:
Categories of PEPs
(a) Foreign PEPs
Heads of State or Government
Senior politicians
Senior government, judicial, or military officials
Senior executives of state-owned enterprises
Important political party officials
(b) Domestic PEPs
Heads of State or Government
MNAs, MPAs, or higher-ranking politicians
Senior government, judicial, or military officials
Senior executives of state-owned corporations
Important political party officials
(c) International Organization PEPs
Members of senior management or individuals with equivalent authority
(d) Middle-ranking or junior officials are not included in the PEP definition.
Note:
Individuals who contested elections but Sardar Article were unsuccessful are not considered senior politicians.
Senior Military Officials include Lieutenant Generals (3-Star) and above or equivalent ranks in Navy/Air Force.
Close Associates of a PEP
A close associate includes individuals who:
Share joint beneficial ownership or business relationships with a PEP
Own entities established for the benefit of a PEP
Are known to be closely connected socially or professionally
Family Members of a PEP
Family members include:
Spouse
Parents and children
Siblings
Definitions
Beneficial Owner: As defined under Section 2(iv) of the Anti-Money Laundering Act, 2010
Beneficiary Institution: The financial institution receiving funds on behalf of the beneficiary
