Askari Imarat Financing

Overview

Building Ownership, Empowering SMEs!

Askari Imarat Financing is designed to strengthen the foundations of small and medium enterprises by enabling them to own their business premises. Through mortgage financing of urban commercial and industrial buildings, SMEs gain the opportunity to enhance capacity, reduce long-term rental liabilities, and secure operational stability. This tailored product not only supports business continuity but also fosters sustainable growth, making enterprises more competitive in the market. The facility is available to sole proprietors, registered partnership firms, private and limited companies, as well as retired armed forces officers and families of serving officers.

Apply today to secure your premises and strengthen your future with Askari Imarat Financing.  

Feature

Purpose of Loan: For urban commercial/industrial business properties



PurposeFinancingMinimum Equity
 Minimum Equity



New Business
Existing Business
AIF 1
Acquisition/purchases of urban commercial/industrial properties
Up to Rs.300M40%
30%
AIF 2Construction on self-owned urban commercial/industrial plot
Up to Rs. 150M40%
30%
AIF 3Additional Construction of self-owned urban commercial properties
Up to Rs. 75M25%Nil
AIF 4
Renovation of self-owned urban commercial properties
Up to Rs. 50M25% Nil
  • Markup Rate: 12MK + 4% p.a. (Discount in markup rate to be offered to AKBL customers maintaining current account deposit with an average balance of Rs. 10.00M (annual)
  • Processing Fee: Rs. 30,000 or 0.2% of the loan amount, whichever is higher
  • Tenor: Maximum 10 years (varies according to category of loan)
  • Insurance: Life insurance and building insurance is mandatory
  • Security: Mortgage of the same property which has been financed
  • Repayment: The repayment of the loans shall be made in monthly/quarterly Instalments
  • Grace Period: 3 to 9 Months as per the category of loan (however, mark-up to be recovered during the grace period)

Eligibility Criteria


Age of the applicant at the time of application
New Business | Min: 30 years Max: 60 years
Existing Business | Min: 30 years Max: 65 years
Business Age
Minimum operating for 03 years
New Business
Professional qualification with minimum 02 years experience
Bank Account Maintenance
Minimum 01-year bank account statement with AKBL
OR
Minimum 02 years' bank account statement with any other bank


Required Documents

  • Loan Application Form for SE/ME
  • Photocopy of the Computerised National Identity Card of Borrowers / Partners / Directors
  • In case of new business, a detailed feasibility report along with a professional educational certificate needs to be provided
  • In case of an existing business, the latest financials (preferably the last 03 years)
  • Projected Cash Flows matching with tenor of the facility for existing business
  • Income estimation report for new business and SE business
  • Bank Statement
  • Copy of NTN Certificate
  • Copy of Partnership Deed / Register Partnership Deed
  • Certificate of Incorporation
  • Memorandum and Articles of Association
  • Latest Financial Statements / In-house Financials (Last 3 Years)
  • Form 29
  • Form A
  • Copy of Title Document (Sale Deed / Allotment Letter)
  • Copy of Approved Building Plan
  • Copy of Agreement between Seller & Buyer (In case of purchase of property)

How to Apply

To view the flyer of Askari Imarat Finance, please click here
To view instruction guide for Applying SME Financing, please Click Here 
To view Frequently Asked Questions related to Askari Imarat Finance, please Click Here  

Apply Now

No documents available.

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Contact Center 051-111-000-787
Last Updated: 24 June, 2026

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