Habib Metro SME & Agriculture Banking
Business financing limits, Agriculture Financing categories, SME vehicle loans, and the government schemes HabibMetro participates in.
- SE: up to Rs 25M
- ME: up to Rs 200M
- Agri, Vehicle & Machinery Finance
HabibMetro splits its business lending into two clear buckets on the SME side: standard SME financing (working capital, trade-based, and structured loans) and Agriculture Financing (a separate track for farm and livestock-related credit). Both sit alongside a dedicated SME Vehicle Finance product with its own fee schedule. None of this shows up on the retail-facing pages of most bank comparison sites — here's what's actually on offer.
What Counts as an SME
HabibMetro follows the standard SBP classification. A Small Enterprise (SE) can access up to Rs. 25 million in financing from a single bank or DFI — or across all banks/DFIs combined. A Medium Enterprise (ME), typically not a public limited company, can access up to Rs. 200 million on the same basis. Sole proprietors, partnerships, and other legal entities can all apply, subject to HabibMetro's own credit evaluation.
SME thresholds confirmed from HabibMetro's official "About SME Banking" page, habibmetro.com/sme/about-sme-banking.
What SME Financing Actually Covers
Beyond general working capital, HabibMetro finances the purchase of new imported or local plant and machinery, Balancing, Modernization & Replacement (BMR) of existing units, and setting up new SME units entirely. It also covers import or local purchase of generators up to 500 KVA capacity — capped at whichever is lower, the unit's actual in-house energy requirement or 500 KVA. Collateral requirements vary by product; HabibMetro doesn't publish a single fixed list, so expect this to be assessed case by case.
SME Vehicle Finance
This is a distinct, business-purpose vehicle loan — not the retail Auto Finance product covered on our car loan page. The fee structure, per HabibMetro's official Schedule of Charges:
| Charge | Amount |
|---|---|
| Processing Fee | Rs. 11,000 + FED (non-refundable) |
| Late Payment | Rs. 900 |
| Cheque/Cash Pick-Up Fee | Rs. 900 |
SME Vehicle Finance fees confirmed from HabibMetro's official Schedule of Charges, 1 July–31 December 2026.
Agriculture Financing
HabibMetro's Agriculture Financing splits into a handful of specific-purpose categories rather than one generic "farm loan":
Machinery & Equipment
Tractors, threshers, and similar agricultural machinery and equipment.
Livestock
Feed, vaccination, medicine, raw material, raising charges, animal shed construction, and fencing.
Poultry
Eggs, birds, poultry feed and medicine, composite feed production, processing, farm construction, and equipment.
Fisheries
Fish feed, medicines, and other related activities.
Eligibility is broad by design: owner-farmers, owner-cum-tenants, tenant farmers, and non-farm households (both small and large farms) can all apply, subject to completing the required formalities.
Agriculture Financing categories confirmed from HabibMetro's official "Agriculture Financing" page, habibmetro.com/services/agriculture-financing.
Agri Finance Fees
| Charge | Amount |
|---|---|
| Fresh / Enhancement / Renewal, up to Rs. 2M | Rs. 2,000 flat |
| Fresh / Enhancement / Renewal, above Rs. 2M to Rs. 5M | Rs. 5,000 flat |
| Fresh / Enhancement / Renewal, above Rs. 5M | 0.2% of approved amount, max Rs. 25,000 |
| Documentation & Stamp Duty, Property Valuation | At actual |
| Punjab Land Records Authority (PLRA) Charges | At actual (Punjab only) |
Agri Finance fee tiers confirmed from HabibMetro's official Schedule of Charges, 1 July–31 December 2026.
Government-Backed Schemes HabibMetro Participates In
Prime Minister's Kamyab Jawan – YES
For citizens aged 21–45 (18+ for IT/e-commerce businesses) with a valid CNIC and entrepreneurial potential. Tenor runs up to 5 years including a grace period of up to 6 months. Applications go only through the official Kamyab Jawan portal — no other submission route is accepted.
SBP Refinance — Women Entrepreneurs
End-user markup capped at up to 5% p.a., open to women entrepreneurs across a wide range of SME clusters and sectors.
SBP Refinance — Short-Term Working Capital
For selected Small Enterprise and Low-end Medium Enterprise sectors, with an end-user rate of 6% p.a.
SBP Refinance for Persons with Disabilities
A dedicated SBP scheme aimed at improving access to finance for special persons — eligibility requires holding a CNIC bearing the disability logo/symbol.
Scheme terms confirmed from HabibMetro's official "SME SBP Products" and "Prime Minister's Kamyab Jawan" pages.
How to Apply
For standard SME and Agri financing, visit a designated HabibMetro or SIRAT branch and fill out an application form — available in both English and Urdu — with a Credit Officer on hand to help. Kamyab Jawan is the one exception: it's strictly online, through the government's own portal, and HabibMetro will contact you afterward for processing rather than accepting a walk-in application for that specific scheme.
Common Questions
How much can a Small Enterprise borrow from HabibMetro?
Up to Rs. 25 million, whether from HabibMetro alone or combined across all banks and DFIs.
Does HabibMetro finance livestock and poultry, not just crops?
Yes — Agriculture Financing covers livestock, poultry, and fisheries as distinct categories, alongside machinery and equipment.
Is SME Vehicle Finance the same as the retail car loan?
No, it's a separate business-purpose product with its own fee schedule — see our Car Loan Calculator page for the retail equivalent.
Official Sources & Last Verified
Every figure, product detail, and claim on this page traces back to HabibMetro's own official disclosures, re-checked at the time this page was last updated, August 2026. Bank terms, rates, and features do change; if you find something here that no longer matches habibmetro.com, that's worth telling us, and we'll correct it.
Primary sources: Schedule of Charges; official "About SME Banking" page; habibmetro.com/sme/about-sme-banking; official "Agriculture Financing" page; habibmetro.com/services/agriculture-financing. Last verified August 2026.
Good For
- Small business owners checking how much SME financing they could realistically access
- Farmers and agri-businesses comparing what HabibMetro actually finances
- SME owners needing a commercial vehicle loan, not a personal car loan
- Youth entrepreneurs checking eligibility for Kamyab Jawan or other government-backed schemes
Ready to apply for SME or Agri financing?
Visit a designated HabibMetro or SIRAT branch — a Credit Officer will walk you through documentation on the spot.
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