Barhta Karobar Loan

Expand and flourish your business!

U Bank offers a larger sized loan facility for small and medium enterprises to help them meet their business financial needs. Small retailers, medium-sized firms, as well as school owners can utilize the Barhta Karobar Loan facility to help expand and flourish their existing businesses with the purchase of raw material and other business equipment

Salient Features

Loan Facility

Barhta Karobar: PKR 50,001 to PKR 600,000

Barhta Karobar Plus: PKR 600,001 – 30,00,000

Loan Tenure

Barhta Karobar: 6 – 60 months

Barhta Karobar Plus: 12 – 84 months

Others

Repayment in Easy Monthly Installments

Hassle-Free Loan Processing

Loan Facility on Individual Guarantee

Life Insurance Facility

Loan Facility for Women on Priority Basis

Required Documents

Original CNIC
Passport-sized photograph
Proof of business
Utility bill
Guarantor required

Terms and Conditions are applicable

FAQs

Who can apply for this loan?

Any resident Pakistani with a valid CNIC/NICOP

What is the eligibility criteria?

Any business individual

Is there any age limit for the borrower to avail this loan?

The age limit requirement is 18 – 68 years at the time of loan application and loan maturity respectively

What is the procedure to apply for this loan?

The customer will be required to follow the following steps:

Visit the nearest U Bank branch
Provide the required KYC documents
Provide the required collateral-related documents
Sign the loan application form and submit

What documents are required to apply for this loan?

The following documents are required:

Valid CNIC
Passport-sized photograph
Proof of business, such as business card, utility bill, cash memo, copy of current professional association, trade body membership, NTN certificate, etc. if applicable
Bank statement for the last 12 months (if available) and bank account maintenance certificate or letter for the provided bank statement (if available)
Bills or sales purchase record, supplier details or khata details of Ac R/A & Ac P/A
Proof of collateral (mandatory for Barhta Karobar Plus)
Last paid utility bill

What kind of processing charges are there?

Loan Application Fee
Processing Fee
Collateral Valuation Charges
Legal Opinion (if applicable)

What kind of collateral is required for this loan?

HPA on vehicle, mortgage on commercial or residential property, lien on savings or TDR account, etc.

For what purpose can I receive this loan?

Business

Do you have a Shari’ah-compliant variant for this loan?

Yes. Please visit: Apna Karobar – Murabaha Financing

Barhta Karobar Loan

How Much do you need ?

Rs 50,000 Rs 3,000,000

06 months 84 months

YOU ARE GETTING

Rs. 0

TERMS OF USE

Months

TOTAL INTEREST

Rs. 0

INSTALLMENT AMOUNT

Rs. 0

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Success Stories

Bringing Dreams to Life

Yasir Sheikh, a resident of Sheikh Muhalla in Shikarpur, Sindh, always dreamed of running his own business. He began with a small cart selling snacks on the street and gradually expanded to owning a grocery store. As his family grew, Yasir’s desire to provide a quality education for his children intensified. He enrolled them in good private schools, but soon found himself struggling to manage the school fees alongside daily expenses. Faced with the difficult choice between feeding his family and paying for education, Yasir felt overwhelmed and worried. In search of a solution, Yasir turned to U Bank for financial support. The bank's staff guided him through the loan options, and he quickly secured the necessary funds with Barhta Karobar Plus Loan. Within a year, Yasir not only expanded his grocery business but also successfully repaid the loan. Today, his store offers a wider variety of products, his income has increased, and his children are receiving the education he always dreamed of providing. Yasir’s story is a testament to how U Bank's microfinance services can empower small businesses to improve lives and livelihoods in Pakistan.

From Salesman to Business Owner

M. Iqbal Qadri from Adda Shabeel, Sahiwal – Punjab, Pakistan, is a determined business owner, who was working for a small pharmacy as a salesman before progressing to opening his own shop in Sahiwal. Sahiwal, where he is from, is an agricultural region and his family had traditionally been farmers. Between 2006 and 2007, Iqbal worked as a salesman, before he decided to open up his own retail store. He further required capital to expand it and increase his customer inflow. With suggestions from his friends, he twice availed the U Bank Islamic Banking - Apna Karobar Premium Murabaha Financing facility to add investment to his store for its growth. Today, he owns the shop himself, has added inventory and variety to his store, does not have to pay rent, sends his kids to good schools, and is living a good life.

U Bank Transforming Lives of Entrepreneurs

In the rural town of Kot Laysan, Rajanpur, Punjab, Tauqeer Ahmed has been running a successful clothing shop in Saddar Bazaar for 16 years, offering a wide variety of female clothing, from formal wedding clothes to casual dresses. Before starting his own business, Tauqeer worked as a salesman in a jewelry store for a decade, where he struggled with financial constraints. Realizing the potential in the clothing market, he decided to open his own shop, which required less initial investment and promised higher sales. To further expand his business, Tauqeer turned to U Bank for a Running Finance facility. The bank responded promptly, processing his loan quickly and offering a low markup rate. With this financial support, Tauqeer was able to invest in his business, resulting in substantial growth. Now, he enjoys daily sales of thousands of rupees, his income has improved significantly, and he has elevated his household's living standards. Tauqeer’s story highlights the vital role that U Bank's microfinance services play in empowering small and medium-sized businesses in Pakistan.

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