Business & SME Loans

First Women Bank Loan Scheme

SME finance, KHAAS, and Solar Energy loans — FWBL's real business lending lineup.

• SME Finance
• KHAAS Loans

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University) — Last verified: 2026-09-07

Not to be confused with: First Women's Bank, an unrelated fintech based in Chicago, Illinois, USA. This page covers First Women Bank Limited (FWBL), the Pakistani commercial bank headquartered in Karachi.

Also note: most "loan schemes for women" content online is written for Indian lenders (IDFC First, Bank of Baroda, and similar) and doesn't apply here — this page is specifically about FWBL's own Pakistani loan products.

First women bank loan scheme is a broad search term, so it helps to separate FWBL's offerings by who they're actually built for: growing SME businesses, socially-underserved entrepreneurs, and households wanting to finance a solar installation.

What Loan Schemes Does FWBL Offer?

Loan scheme details confirmed from FWBL's official Assets Products page, its Schedule of Bank Charges (Circular 2026-06, effective Jul–Dec 2026), and LinkedIn announcements for KHAAS.

Solar Energy Loan — Two Variants, Different Fees

FWBL's Solar Energy Loan ("Apna Ghar Apni Bijli") actually comes in two forms with different processing fees, per the Bank's Schedule of Charges. The standard version carries a processing fee of PKR 5,000 or 1% of the loan amount, whichever is higher, plus a 2% early-settlement/pre-payment charge and a PKR 1,500 flat late-payment charge. A separate cash-backed version — secured against a deposit rather than the solar installation itself — carries a flat PKR 10,000 processing fee, a higher PKR 2,500 flat late-payment charge (with only a 3-working-day grace period instead of 10), but the same 2% early-settlement and partial-settlement terms. Ask FWBL which version applies before comparing costs against another bank's solar financing.

Salary Loan — Rates, Fees & Eligibility

FWBL's Salary Loan is a term finance facility for salaried individuals maintaining a salary account with the bank, repaid through equal monthly installments (EMI). Per FWBL's official product page, pricing is gender-differentiated: female borrowers and persons with disabilities (PWDs) are charged 1-Year KIBOR + 6% p.a., while male borrowers are charged 1-Year KIBOR + 7% p.a. Eligible applicants are permanent employees of government organizations, the armed forces, multinationals, or local government bodies, aged 21 to 60 at loan maturity. No collateral or security is required. Per FWBL's official Schedule of Bank Charges effective July–December 2026, the processing fee is PKR 5,000 or 1.25% of the loan amount, whichever is higher; borrowers can prepay the outstanding balance plus accrued markup at any time, subject to a 1% charge on the outstanding amount, or settle a portion at 1% of the settled amount; late payments carry a flat charge of PKR 1,000 after a 10-day grace period. All charges are published in FWBL's Schedule of Bank Charges, available at any branch.

On how much you can actually borrow: per FWBL's official Salary Loan product page, the facility ranges from a minimum of PKR 50,000 to a maximum of PKR 2,000,000, based on your eligibility, income, and debt burden, repayable over 1 to 4 years.

How Is SME Finance Eligibility Assessed?

FWBL doesn't publish a single fixed loan amount for SME Finance — per the bank's official product page, the amount is determined case-by-case through a need assessment and repayment capacity analysis. The bank's stated basic requirements are the borrower's creditworthiness, the potential of the business plan, and matching collateral. Acceptable security can be any mix of cash collateral, mortgage of property, pledge/hypothecation/charge of stock or receivables, or hypothecation/charge on plant and machinery — the exact mix depends on the facility type and the business's profile.

How Do You Apply for an FWBL Loan Scheme?

For SME, KHAAS, and Solar Energy loans, FWBL directs applicants to visit their nearest branch or call the bank's official numbers — 021-111-11-3925 or 0331-3925-111 — for eligibility criteria, required documents, and current terms, since these can vary by loan type and applicant profile.

Good For

• Business owners exploring FWBL's SME finance options
• Specially-abled entrepreneurs looking for KHAAS eligibility
• Households considering FWBL's Solar Energy Loan
• Salaried individuals comparing FWBL's consumer loan options

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For independent verification, see First Women Bank Ltd. and State Bank of Pakistan.