Thardeep Microfinance foundation offers a pension loan to retired government employees. The loans may be utilized for the various purposes which enabling them to bridge up their financial shortages.

Loan Eligibility

• Age between 18 to 65 year
• Valid CNIC of borrower
• Valid CNIC of Guarantor
• Must be a permanent resident of same place from last 2 years
• Social/Tangible Guarantee as per policy

Lending Methodology

• Individual

Loan Amount

• Minimum Loan Amount: 50,000
• Maximum Loan Amount: 3,00,000

Loan Duration

• Minimum: 12 months
• Maximum: 24 Months

Repayment Frequency

• Equal monthly based installments

Collateral/Tangible Guarantee

• Up to Loan amount of Rs. 100,000
• Requirement of Guarantor

Non-Family Member

• Bank cheques and statement as per loan policy and procedure
• Guarantor must be a Government employee or Market shop keeper

Disbursement and Recovery

• Bio metric disbursement in 1 to 3 days after the appraisal
• Easy repayment through ADCS channel and Mobile account

Insurance

• Client Life covered as per loan Amount