SME Banking

Quality Services by Simplifying Procedures

For us, supporting Small & Medium Enterprises is of great importance as they play a vital role in employment generation and poverty reduction. They are a chief component of economic growth and resource mobilisation activities in the industrial sector in Pakistan.

  • Working Capital Financing
  • Short Term Financing
  • Long Term Financing
  • Commercial Vehicle Financing
  • AL Habib Zariya / Receivable Financing
  • Export/Import
  • Auto Lease
  • Trade Finance
  • Guarantees
ClassificationAnnual Sales TurnoverLimit / Exposure
SEUp to PKR 150 MillionPKR 25 Mio
Start-up SEA small enterprise up to 5 years old will be considered as start-up SE
MEAbove PKR 150 Million to PKR 800 MillionPKR 200 Mio
Start-up MEA Medium Enterprise up to 5 years old will be considered as start-up ME

SBP Policy - Promotion of SME Finance

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*Note: Above mentioned information is subject to change as per SBP directive. For further information, please visit nearest BAHL branch.

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  • Prudential Regulations of SBP for SMEs

SBP Refinance Schemes