Pension Loans

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


  • Client Life covered as per loan Amount