The First Microfinance bank First Karobar Sarmaya loan

FIRST Karobar Sarmaya is a loan product for people doing business / income generating activities for a variety of purposes. It is aimed at home-based entrepreneurs, especially women, as well as small shops in market / commercial areas, which carry out manufacturing, marketing or service activities. Now without any long process and criteria, visit your nearest bank branch to get a benefit from this offer. The application including other formalities are very simple and rapid in nature.

First Karobar Sarmaya Eligibility Criteria

a)      Annual income (net of business expenses) not exceeding PKR 1,200,000

b)      Valid CNIC

c)      Age between 18 and 65 years

d)     Business experience of at least one year for individual loans (for clients with credit history) and group loans, and at least two years for individual loans for clients without credit history;

First Karobar Sarmaya Type of Credit

Ø  Short to Medium Term Finance

First Karobar Sarmaya Purpose of Credit

Ø  Working capital (including permanent working capital)

Ø  Acquisition of fixed assets

First Karobar Sarmaya Loan Amount

ü  Minimum: PKR 20,000

ü  Maximum: PKR 350,000

First Karobar Sarmaya Loan Repayment

Ø  Equal monthly installments

Ø  Equal quarterly fees (only for mountainous areas)

First Karobar Sarmaya Required Documents

a)      Group guarantee

b)      Personal guarantee

c)      Third party personal guarantee

d)     Lien on National Savings Certificates / Deposit Account

e)      Property (residential, commercial and agricultural land)

How to Apply For The First Microfinancebank Ltd Loan Programs

Click to explore the bank branches. Visit the nearest bank to apply for your favorite loan program:

The First Microfinancebank Ltd Contact Information

Ø  16th/ 17th Floors, Habib Bank Tower, Blue Area, Islamabad.

Ø  Toll Free: 0800-FIRST (34778)

Ø  Fax: (+92-51) 2821817

Ø  Email:

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