Abhi Women-Centric Products & Services
Niswan Karza and Niswan Rozana Munafa — Abhi Microfinance Bank's dedicated loan and savings products for women, with eligibility and terms confirmed from the Bank's own site.
- 2 Dedicated Products
- Last Verified: Sep 4, 2026
Abhi women-centric banking, direct answer: Abhi Microfinance Bank runs two products aimed specifically at women — Niswan Karza, a business loan for female entrepreneurs, and Niswan Rozana Munafa, a daily-savings account. A third product, Niswan Sunehari Karza, is the women-specific version of the Bank's gold-backed loan. All three sit within the Bank's regular product lineup rather than a separate application process.
Niswan Karza — Business Loan
Niswan Karza is a short-to-medium-term loan aimed at funding a woman's existing business. Per the Bank's official product page, credit tenures run 6, 12, 15, or 18 months, repaid in Equal Monthly Installments (EMI), with instant SMS alerts on account activity.
| Eligibility Criterion | Requirement |
|---|---|
| Residency | Resident Pakistani National |
| Identity Document | Valid CNIC |
| Age at Approval | 21 to 62 years |
| Screening | Not part of any Customer / Loan Exclusion / Negative List |
| Business History | Involved in business for the last 1 year |
Eligibility and features confirmed from Abhi Microfinance Bank's official Niswan Karza product page.
For loan amounts and processing fees, Niswan Karza and its gold-backed sibling appear on our Loans page alongside the Bank's other 18 loan products, sourced from the official Schedule of Charges — Niswan Karza is capped at Rs. 500,000 with a 3.25% processing fee for fresh clients, and Niswan Sunehari Karza (gold-backed) uses the same tiered structure as the standard Sunehari Karza product. Use our Gold Loan Calculator to work out the processing fee and early settlement cost for either.
Niswan Rozana Munafa — Daily Savings Account
Niswan Rozana Munafa is a variant of the Bank's standard Rozana Munafa daily-profit savings account, curated specifically for women, offering the same daily savings mechanics with features the Bank describes as tailored for female customers. Per the Branch Banking Schedule of Charges (July–December 2026), the minimum opening deposit is Rs. 5,000 — the same as the standard Rozana Munafa account. Full deposit account comparison, including this one, is on our Profit Rate & Charges page.
Confirmed from Abhi Microfinance Bank's official Women-Centric Products & Services page and the Branch Banking Schedule of Charges. The SBP Refinance & Credit Guarantee Scheme for Women Entrepreneurs (5% p.a. cap, up to Rs. 5 million) is confirmed directly from SBP's own published scheme details — Abhi's specific participation status in this scheme is not confirmed from official Abhi sources.
Good For
- Finding Abhi's dedicated women-focused loan and savings products in one place
- Checking Niswan Karza eligibility before applying
- Understanding how these products relate to the Bank's standard Karza and Rozana Munafa lineup
- Comparing minimum deposits and processing fees against the full product set
Interested in a women-centric account or loan?
Confirm current terms directly with Abhi Microfinance Bank before applying.
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For independent verification, see State Bank of Pakistan.