Provincial Government Bank

Bank of Khyber Personal Loan (BOK Salary Sahara) & EMI Calculator

Part of PakFinHub's BOK coverage — see the full bank overview.

Salaried Individuals
Free EMI Calculator

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

Important — conventional mode discontinued: BOK's own BOK Salary Sahara page states that consumer loans under the conventional mode have been discontinued, as the bank transitions into a fully-fledged Islamic bank. Salary Sahara is now accessed through BOK's Islamic banking arm — officially rebranded Raast Musharakah Personal Finance — not as a conventional interest-based loan. Confirm the current mode and contract structure with a BOK Islamic branch before applying — the calculator below is a planning estimate, not a guarantee of conventional terms. See how the structure works on our Raast Islamic Banking guide.

BOK Salary Sahara is Bank of Khyber's personal loan product for salaried individuals — a term loan repaid in fixed monthly instalments, distinct from a revolving credit line. It's now issued exclusively in Islamic mode as Raast Musharakah Personal Finance under BOK's Islamic banking arm. Below is how it works, plus a Bank of Khyber personal loan calculator to estimate your own instalment before applying.

BOK Salary Sahara at a Glance

Product Name: BOK Salary Sahara (legacy) — now Raast Musharakah Personal Finance
Applicant Type: Salaried employees of Govt., Semi-Govt., or Autonomous Bodies
Max Loan Amount: 15x net take-home salary, capped at PKR 2.0 million
Max Tenure: 4 years (monthly instalments)

Product name, applicant type, maximum loan amount, and maximum tenure confirmed directly from BOK's official BOK Salary Sahara product page (bok.com.pk). Last verified: September 2026.

EMI Calculator

Estimate your monthly instalment. This is an illustrative reducing-balance calculation for your own planning — it is not a loan offer, and BOK's actual approved markup rate depends on your risk profile; confirm the exact rate with BOK before applying.

Loan Amount (PKR)

Annual Markup Rate (%)

Tenure (Years, max 4)

Eligibility & Documents

Requirement	Detail
Employer type	Salaried employees of Government, Semi-Government, or Autonomous Bodies
Age	22 to 59 years
Minimum service	1 year
Salary account	At least 1 salary must be routed through a BOK account
Max loan amount	15x net take-home salary, up to PKR 2,000,000
Max tenure	4 years (monthly instalments)
Insurance	Compulsory life insurance up to the loan amount
Documents	CNIC, salary slip or salary certificate, and bank statements as required

Age limits, minimum service, salary-routing requirement, loan cap, and tenure sourced directly from BOK's official BOK Salary Sahara product page (bok.com.pk). Last verified: September 2026.

Personal Loan vs. Other BOK Financing

A BOK Salary Sahara personal loan is unsecured and non-end-use, meaning you don't need to justify what the funds are for and don't pledge collateral — which is exactly why its approval leans more heavily on documented income than a secured facility like BOK Foree Car or BOK Suhana Ghar would. If your borrowing need is tied to a specific asset (a vehicle or a home), the corresponding secured product usually carries a lower markup rate than an unsecured personal loan for a comparable amount, since the bank's risk is lower with collateral backing the facility.

Fees & Charges (BOK Salary Sahara)

BOK's published Demand Salary Loan charges, from its Schedule of Bank Charges, Conventional Branches, effective July–December 2026 — the costs beyond the monthly instalment.

Charge	Amount
Processing charges (including top-up facility)	Rs 2,000 + FED
Early termination (within 2 years; not applicable to top-up loans)	Rs 3,000 + FED
Partial/balloon payment (within 2 years)	Rs 1,500 + FED
Late payment — instalment up to Rs 10,000	Rs 300 + FED
Late payment — instalment above Rs 10,000	Rs 500 + FED
Dishonoured instalment cheque	Rs 500 flat per presentation

Source: Bank of Khyber Schedule of Bank Charges, Conventional Branches, July–December 2026. Late payment charges apply if the instalment is paid after the 15th day from its due date. FED applies on top of these amounts where noted. Charges may change with BOK's next schedule update — confirm current rates before signing. Last verified: August 2026.

Frequently Asked Questions

What is Bank of Khyber's personal loan product called?

Bank of Khyber's personal loan product is branded BOK Salary Sahara, an unsecured term loan for salaried individuals repaid in fixed monthly instalments.

Is BOK Salary Sahara still available as a conventional loan?

No. BOK's own product page states conventional-mode consumer loans have been discontinued as the bank transitions to a fully-fledged Islamic bank. Salary Sahara is now accessed through BOK's Islamic banking arm — confirm the current contract structure with an Islamic branch before applying.

What is Raast Musharakah Personal Finance?

Raast Musharakah Personal Finance is the official product name BOK now uses for its Islamic personal financing, structured on a joint-ownership (musharakah) basis rather than an interest-based loan — it's the current Islamic-mode successor to the legacy Salary Sahara name.

How much can I borrow with BOK Salary Sahara?

Up to 15 times your net take-home salary, capped at PKR 2,000,000, repayable over a maximum of 4 years, per BOK's published terms.

Is a BOK Personal Loan secured or unsecured?

BOK Salary Sahara, the bank's personal loan product, is unsecured and non-end-use, meaning no collateral is required and you don't need to justify what the funds are for.

What income do I need for a BOK Personal Loan?

BOK Salary Sahara is aimed at salaried employees of Government, Semi-Government, or Autonomous Bodies with at least 1 year of service, and requires at least one salary to be routed through a BOK account. Exact minimum income should be confirmed with BOK directly.

Compare a few tenure lengths side by side using the calculator above — a shorter tenure means a higher monthly instalment but noticeably less total markup paid over the life of the loan.

Existing debt obligations at BOK or elsewhere factor directly into how much you're approved for. Banks typically cap total monthly debt repayment at a percentage of net income, so a strong salary alone doesn't guarantee the full requested amount if other obligations already consume much of that ratio.

If your employer already maintains a payroll relationship with BOK, that existing relationship can streamline the income-verification step of your application, since the bank already has visibility into your salary credits.

Good For

Estimating your monthly personal loan instalment before applying
Understanding BOK Salary Sahara eligibility requirements
Comparing unsecured personal financing against secured alternatives
Preparing the right documents ahead of a branch visit

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Verify current rates, offers, and terms directly with BOK before you apply.

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