- UBank Home Loan
- Apna Karobaar UBank Loan
- Salary Ubank Loan
- UBank Home Loan – Government Mark-up Subsidy Scheme
- Bartha Karobar UBank Loan (MSME Loan)
- Livestock UBank Loan
- Pension UBank Loan
- Motorbike UBNak Loan
- Agricultural UBank Loans
- Karsaz Gold UBank Loan
- Tractor & Equipment UBank Loan
- Zarai Qarza UBank Loan
Also Check: JS Bank Loan Scheme
Also Check: Faisal Islamic Bank Loan
Also Check: Bank Islami Interest Free Loan – Dubai Islamic Personal Finance Loan
About UBank
U Microfinance Bank Ltd. (Ubank Loan) is a wholly-owned subsidiary of Pakistan Telecommunication Company Limited (PTCL) – Etisalat Company. The bank has a network of more than 200 branches, across 183 cities and rural areas in Pakistan and offers a wide range of microfinance UBank loans, deposit products, and branchless banking solutions. UBank’s branchless banking offers services under the banner of UPaisa in collaboration with Ufone (Pak Telecom Mobile Limited). The service is offered at nearly 45,000 agent locations across Pakistan.
U-Bank-Branches Click Here
Helpline:
UAN: +92 51 111-282-265
Toll Free: 0800-82265
Head Office:
2nd Floor, 13-B, Jinnah Super Market, F-7, Islamabad.
Ph: +92 51 111-182-265
Fax: +92 51 2275923
U Bank in Map
UBank Home Loan
Ubank Loan offers a home loan facility for business owners, salaried individuals, and pensioners to build or renovate a home.
Helpline:
UAN: +92 51 111-282-265
Toll Free: 0800-82265
Head Office:
2nd Floor, 13-B, Jinnah Super Market, F-7, Islamabad.
Ph: +92 51 111-182-265
Fax: +92 51 2275923
U Bank in Map
UBank Loan Salient Features
Loan facility from PKR 150,000 to PKR 1,000,000
Loan tenure from 3 to 10 years
Loan repayment in easy monthly installments
Minimum markup rate
Provision of the loan in case of joint / family property
Required Documents:
Original CNIC
Passport size photo (recent)
Proof of income
Offered property-related documents
Offered property should be free from any bar and charges
Apna Karobar – Premium Murabaha Financing
We offer financing facility based on Murabaha Islamic mode of finance for small and medium-size entrepreneurs to help them meet their business and financial needs. By availing this financing facility, retailers, medium-size firms, and school owners can expand their existing businesses by purchasing raw materials and necessary business equipment.
Salient Features:
- Financing amount of up to PKR 350,001 to 1,000,000/-
- Financing tenure 06 – 24 months
- Financing repayment in monthly installments
- Hassle-free Financing processing
- Complementary Credit Family Takaful facility
- Financing facility for women on priority basis
- Financing against collateral of gold bullion, gold ornaments, gold biscuits, jewelry etc. as per bank policy.
Minimum Required Documents
- Valid CNIC
- One passport-size photograph
- Copy of utility bill of applicant
Apna Karobaar UBank Loan Pakistan
Ubank Loan offers individual loan facilities against personal guarantees for micro-entrepreneurs to finance their working capital requirements or purchase assets in the expansion of their business and income.
Basic Features:
Loan facility up to PKR 350,000*
Loan tenure from 6 to 24 months
Free loan insurance in case of death/ permanent disability
Loan facility against the individual guarantee
Loan repayment in equal monthly installments
Required Documents:
Copy of CNIC of applicant and guarantor
1 passport size picture of applicant and guarantor
Copy of utility bills of applicant and guarantor
Utility bill of the residence (in case of salaried guarantor)
Salary UBank Loan Pakistan
Ubank Loan offers a loan facility for salaried individuals to provide them access to funds to fulfill their emergency needs up to PKR 350,000 without any worry.
Basic Features:
Loan facility up to PKR 350,000
Loan option for government, semi-government and private sector employees
Embedded credit life and health insurance facility
Loan disbursement with min. turnaround time
Loan repayment in equal monthly installments
Required Documents:
Computerized original CNIC
1 passport size picture
Salary slips
UBank Home Loan – Government Mark-up Subsidy Scheme
Low-Cost Housing Finance under Government Mark-up Subsidy Scheme
U Microfinance Bank offers a Housing Finance facility under the Government’s Mark-up subsidy scheme to businesses & salaried individuals for the purchase of a new house or a flat, construction of a house, or extension of an existing house.
Basic Product Purpose:
For purchase or construction of a house or a Flat
For purchase of land for house construction
For house construction on customer’s own land
Expansion in the existing house
Eligibility Criteria:
Pakistani Resident having valid CNIC
Age limit 25-60 years (at the time of loan application)
First-time Homeowner
Minimum monthly income Rs.25,000
Salient Features:
Loan facility from PKR 500,000 to PKR 2,000,000
Loan tenure from 5 to 20 years
Loan repayment in easy monthly installments
Income clubbing allowed with immediate family members
In-Line with SBP’s direction regarding GMSS, the financed housing unit will be mortgaged in the favor of UMBL.
Financing facility available for:
House with a covered area of 5 Marla/125 sq yards
Flat having a covered area of 1250 sq ft.
Mark-up Rate:
First 05 years 5%
06-10 years 7%
Above 10 years KIBOR + 7%
Required Documents:
Original CNIC
Passport size photo (recent)
Proof of income
Title documents of the property to be mortgaged
Offered property should be free from any bar and charges
Bartha Karobar Loan (MSME Loan)
U Microfinance Bank offers a larger size loan facility for small and medium-size entrepreneurs to help them meet their business financial needs. By availing of this loan facility retailers, medium-size firms, and school owners, and can expand their existing businesses by purchasing raw materials, and necessary business equipment
Salient Features:
UBank loan amount of up to PKR 350,001 to 600,000
Loan tenure 06 – 24 months
Loan repayment in monthly installments
Hassle-free UBnak loan processing
Loan facility on individual guarantee
Life insurance facility*
UBank loan facility for women on a priority basis
UBank Livestock Loan Pakistan
U Microfinance Bank offers Livestock Loan, which brings so much ease to both men and women involved in livestock business to fulfill all their business needs i.e. purchasing and looking after their livestock, breeding, shed construction, medicine and vaccination, purchasing milk chillers, and acquiring other related equipment and materials.
Livestock and Dairy Loan
UBank Loan Salient Features:
Loan amount up to PKR 150,000 for purchasing small and large animals, and meeting livestock related business needs
Loan tenure 6 to 12 months
Loan facility on personal and group guarantee *
Complimentary Credit Life insurance
Optional health insurance for clients
Repayment of a loan in monthly installments or lump sum payment, as per borrower’s convenience
Required Documents:
Valid CNIC
One passport-size photograph
Livestock and Dairy Loan (Plus)
UBank Loan Salient Features:
Loan for purchasing of large animals and meeting livestock related business needs
UBank loan amount of up to 1,000,000
UBank loan tenure 6 to 36 months
Individual Loan facility
Insurance facility for specific tagged animals
Complimentary Credit Life Insurance
Optional Health Insurance for clients
Loan repayment in monthly/six-monthly installments, as per borrower convenience
Pension Ubank LoanU Microfinance Bank Limited offers a loan facility of up to PKR 350,000 for pensioners (Government & Semi-Government). The UBank loan can fund personal and business needs.
UBank Loan Basic Features:
UBank loan facility up to PKR 350,000
UBank loan repayment in equal monthly installments
UBank loan tenure up to 24 months
Required Documents:
Original CNIC
One passport size photograph of the applicant
Pension book
Motorbike UBank Loan Pakistan
U Microfinance Bank in collaboration with Atlas Honda offers a Motorbike loan facility through which small-scale business and salaried individuals can own their motorbike in a very short time and with easy monthly installments.
Features:
Easy Installments of 6 to 24 months
Minimum down payment for the motorbike
Fast processing
Minimum markup rate
Free life insurance
Complete motorbike insurance
Free accidental insurance
Who can avail of the loan?
Pakistani resident
Between age 18-67 years at the time of UBank loan application
A salaried individual, a self-employed professional, or a business person
Minimum 1 year working or business experience
Required Documents:
CNIC of the applicant
1 passport size picture
Proof of employment/business
CNIC of the guarantor
Agricultural UBank Loans Pakistan
U Microfinance Bank offers Agricultural loans for small and medium-scale farmers so that they could easily and timely purchase seeds, fertilizers, pesticides, modern agricultural machinery & tools, and additional agricultural land.
Zarai Qarza (Agricultural Loan)
Salient Features
UBank loan amount up to PKR 150,000 to meet the basic needs of the agriculture sector
Loan tenure up to 15 months
Easy and fair UBnak loan processing
Life and health insurance for clients*
Loan facility on personal and collective guarantee
Lump-sum loan repayment
Minimum Required Documents
Valid CNIC
One passport-size photograph
Agri Pass Book Loan
Salient Features
UBank loan amount of up to PKR 1,000,000
Loan tenure 6 to 60 months
For meeting all agricultural needs such as purchasing fertilizers, seeds, pesticides, and agricultural machinery & equipment
UBank loan facility without any individual guarantee
Complimentary credit Life insurance
Optional Health Insurance for client
Complimentary crop Insurance
Loan repayment in semiannual/annual installments
Minimum Required Documents
Valid CNIC
One passport-size photograph
Copy of utility bill of applicant and guarantor
Attested copy of Agri Pass Book
Documents of Fard Jamabandi attested by Patwari
Karsaz Gold UBank Loan Pakistan for Business
U Microfinance bank limited offers individual loan facilities for micro-entrepreneur, agriculture/livestock businesses/ business ventures to meet their business working capital needs, purchase of assets to enhance their business and income against the collateral of gold bullion, gold ornaments, gold biscuits, jewelry, etc. The loan can be extended for the establishment of a new enterprise and caters needs of salaried individuals, retired persons, and housewives for emergency needs. The UBank loan can be extended for house renovation.
Basic Features:
Loan facility up to PKR 1,000,000
No guarantor requirement
Immediate loan facility
Loan repayment in monthly installments or lump sum payment
Minimum documentation required
Embedded credit life insurance
Required Documents:
Computerized original CNIC
1 passport size picture
Copy of Utility bills
Tractor & Equipment UBank Loan Pakistan
U Microfinance Bank in collaboration with Millat Tractor & Al-Ghazi Tractors offers tractor & agriculture equipment UBank loan facilities to those farmers who cannot afford their own tractor or other necessary machinery. Farmers can use this UBank loan to purchase agriculture machinery such as tractors, trailers, threshers, Laser levelers, sprayers, seed drills, combine harvesters, levelers, fodder cutters,s, etc.
Features:
Minimum down payment for the tractor
UBank loan facility of up to PKR 1,000,000
Loan tenure 12 to 60 months
Tractor insurance facility
Loan disbursement with minimum turnaround time
Embedded credit life insurance
Availability of Millat tractor on priority basis from the nearest selected dealership
Half-yearly installments for tractor & equipment UBank loan
Required Documents:
Original CNIC
Proof of land ownership/Agri passbook copy/revenue record copy/hard copy
One passport size photograph of the applicant
Zarai Qarza UBank Loan Pakistan
U Microfinance Bank offers a loan facility for small size farmers to purchase seeds, fertilizers, pesticides, irrigation, and agriculture-related equipment at the time of their production activity.
Salient Features:
Loan facility up to PKR 150,000
The easy and transparent loan process
Loan tenure up to 12 months
Lump-sum repayment at maturity of loan tenure
Individual and group loan facility
Required Documents:
Valid CNIC of applicant & guarantor
1 passport size picture of client & guarantor
Copy of utility bill of applicant and guarantor
Mark-up Rate:
First 05 years 5%
06-10 years 7%
Above 10 years KIBOR + 7%
Apna Karobaar UBank Loan
U Microfinance Bank Limited (Ubank Loan Pakistan) offers individual UBank loan facilities against personal guarantees for micro-entrepreneurs to finance their working capital requirements or purchase assets in the expansion of their business and income.
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Salary UBank Loan Pakistan
U Microfinance Bank Limited (Ubank Loan Pakistan) offers a loan facility for salaried individuals to provide them access to funds to fulfill their emergency needs up to PKR 350,000 without any worry.
Basic Features:
Loan facility up to PKR 350,000
Loan option for government, semi-government and private sector employees
Embedded credit life and health insurance facility
Loan disbursement with min. turnaround time
Loan repayment in equal monthly installments
Required Documents:
Computerized original CNIC
1 passport size picture
Salary slips
U Microfinance Bank offers Commercial Vehicle Finance which allows its customers to fulfil their business needs such as transportation for enterprise goods, agriculture commodities, livestock, milk supply and passenger mobility.
Salient Features:
- Loan facility up to PKR 3,000,000
- Financing of new and used vehicles manufactured by all local brands
- Minimum Down payment of 20%
- Loan tenure up to 5 years
- Complete vehicle insurance and tracker facility
- Minimum documentation required
Required Documents:
- Original CNIC
- Passport size photo
- Proof of business
Motorbike UBank Loan Pakistan
Ubank Loan Pakistan in collaboration with Atlas Honda offers a Motorbike loan facility through which small-scale business and salaried individuals can own their motorbike in a very short time and with easy monthly installments.
Features:
Easy Installments of 6 to 24 months
Minimum down payment for the motorbike
Fast processing
Minimum markup rate
Free life insurance
Complete motorbike insurance
Free accidental insurance
Who can avail of the Ubank loan?
Pakistani resident
Between age 18-67 years at the time of UBank loan application
A salaried individual, a self-employed professional, or a business person
Minimum 1 year working or business experience
Required Documents:
CNIC of the applicant
1 passport size picture
Proof of employment/business
CNIC of the guarantorLife main UPaisa karo, agay barho!
UPaisa brings convenience of making payments, fund transfers and mobile balance recharge with just a single tap. UPaisa a joint collaboration between U Microfinance bank & Ufone launched innovative branchless banking solutions for the masses of Pakistan back in October 2013. UPaisa provides financial inclusion by providing ease of access for financial services at the last mile.
Bringing convenience to you, the wide range of UPaisa services include:
- Banking services
- Loan repayments
- Toll payment
- School fee payments
- Prepaid mobile recharge
- Postpay bill payment
- Bill payment
- Money transfers
- Debit card
- Donation
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