First Women Bank Personal Loan
How FWBL's cash-backed personal loan against savings and deposits actually works.
- Cash-Backed
- Against TDR / Prize Bonds
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 "personal loan for women" content online is written for Indian lenders (IDFC First and similar) and doesn't apply here — this page is specifically about FWBL's own Pakistani loan product.
First women bank personal loan searches sometimes expect an unsecured, income-based consumer loan like a credit-card cash advance. FWBL's actual product works differently: it lends against collateral you already hold, which typically means faster approval and a lower rate than an unsecured loan, at the cost of needing eligible savings or deposits first.
How Does the FWBL Personal Loan (Mera Cash) Work?
Eligible Collateral
National Savings Certificates, Pak Rupee/Foreign Currency Deposits, Prize Bonds, or a lien on a Bank TDR can all back this loan.
Purpose
Meeting personal financial needs — from short-term cash flow to planned expenses — without liquidating your underlying savings.
Rate Positioning
FWBL describes this as a hassle-free loan at a competitive rate against the pledged security, reflecting the lower risk of a secured facility.
Product details confirmed from FWBL's official Assets Products page.
Mera Cash — Fees & Charges (Effective Jul–Dec 2026)
| Charge | Amount |
|---|---|
| Processing Fee | PKR 5,000 or 1% of loan amount, whichever is higher, plus FED (capped at PKR 10,000) |
| Legal Agreement Stamping | At actual |
| Early Settlement / Pre-Payment | 2% of the outstanding loan amount |
| Partial / Balloon Settlement | 2% of the settled amount |
| Late Payment | PKR 1,500 flat, after a 10-day grace period |
| Security Insurance | At actual, where required, billed upfront yearly |
Fee figures from FWBL's official Schedule of Bank Charges (Circular 2026-06), effective July 1 to December 31, 2026 — fees are reviewed roughly twice a year, so confirm the current figure with FWBL before applying.
Looking for an Unsecured Option Instead?
If you don't hold savings, prize bonds, or a TDR to pledge, FWBL's actual unsecured consumer loan is its Salary Loan, available to salaried individuals maintaining a salary account with the bank. It doesn't require any collateral, but eligibility depends on your employer type and salary account status rather than existing savings — see the Salary Loan section on our Loan Schemes page for current rates, fees, and eligibility.
How Do You Apply for Mera Cash?
Visit your nearest FWBL branch with the relevant certificate, deposit, or TDR documentation, plus your CNIC. Because exact loan-to-value ratios and current markup rates can change, call 021-111-11-3925 or 0331-3925-111 to confirm terms before applying.
Good For
- Borrowing against savings you already hold without liquidating them
- Understanding which assets FWBL accepts as security
- Comparing a secured personal loan against unsecured alternatives
- Confirming current rates before visiting a branch
Explore FWBL's personal loan option
Confirm current rates and eligibility directly with FWBL.
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Loan Schemes
SME, KHAAS, and Solar Energy loans.
House Loan
Housing finance structure and rates.
Account Opening
Accounts that can back this loan.
For independent verification, see First Women Bank Ltd. and State Bank of Pakistan.