Mobilink Microfinance Bank Loans
Gold Loan, MSME finance, nano loans, and merchant financing — MMBL's confirmed loan products in one place.
- Gold Loan
- MSME Finance
- App-Based Nano Loans
Mobilink Microfinance Bank (MMBL) offers 18 confirmed loan products across microfinance and MSME lending — including Gold Loan, Tractor Loan, Commercial Vehicle Loan, Home Loan, Salary Loan, and Agri financing — rather than the consumer credit-card-driven personal loans commercial banks typically offer. Every product below is sourced from MMBL's own announcements, partnership disclosures, and internal rate card.
MMBL's Loan Products
Gold Loan
Secured lending against gold, positioned by MMBL as a fast-disbursement product. Gold Loan customers can renew their loans directly through the DOST app without a branch visit.
Micro-Enterprise / MSME Finance
MMBL's core lending line, aimed at small and medium enterprises and micro-entrepreneurs, consistent with its State Bank of Pakistan microfinance license.
Nano Loans
Small, digitally disbursed loans delivered through MMBL's app-based lending platform. MMBL has disbursed more than 8.2 million nano-loans since inception, alongside over 800,000 individual and micro-enterprise loans, per the bank's own disclosures.
Dost Tajir (Merchant Financing)
Inventory financing for retailers, starting from PKR 10,000 per week or month, letting merchants stock goods from partner distributors without upfront cash.
Agri-Machinery Financing
MMBL has a confirmed partnership with FBTL to provide agri-machinery financing to farmers.
Structured Agri Financing
MMBL partners with HBL Zarai Services under the "Zarkhez-e Asaan" Digital Zarai Qarza Scheme, linking financing to agricultural inputs and advisory services for farmers.
Commercial Vehicle Loan
MMBL signed an MoU with Universal Motors specifically for financing commercial vehicles. Financing up to Rs. 5,000,000, tenure up to 7 years (up to 1000cc) or 10 years (above 1000cc), per MMBL's rate card. Try the Commercial Vehicle Loan calculator →
Tractor Loan
Hire-purchase tractor financing, up to Rs. 5,000,000, tenure 1–10 years, per MMBL's rate card. Try the Tractor Loan calculator →
Home Loan
Financing for home purchase, construction, renovation, or solar installation, up to Rs. 5,000,000 with tenure up to 20 years on larger loans, per MMBL's rate card. Try the Home Loan calculator →
E-Bike Loan
MMBL finances electric bikes up to Rs. 500,000 — there's no separate petrol/conventional motorcycle loan in MMBL's rate card. Try the E-Bike Loan calculator →
Product list confirmed from MMBL's official press releases and homepage announcements (mobilinkbank.com), MMBL's Dost Tajir product page, and MMBL's internal Lending Products Pricing Structure rate card (15 June 2026) and Schedule of Bank Charges (effective 1 July – 31 December 2026, Inst./26/2026).
Markup Rates & Eligibility
MMBL doesn't publish its lending rate card on its public website — its own loans page lists product names with no rates attached. PakFinHub obtained MMBL's internal "Lending Products – Pricing Structure" rate card (dated 15 June 2026) and Schedule of Bank Charges (effective 1 July – 31 December 2026), and the full table below reflects every figure in it: loan limits, tenure, processing fee, flat rate, and disclosed APR for all 18 MMBL loan products. Notably, MMBL prices these on a flat-rate basis — interest is charged on the original loan amount for the full tenure, not a reducing balance — so the flat rate percentage alone understates the true cost; the APR figure (shown per the repayment frequency MMBL discloses it for — Monthly, Quarterly, Half-Yearly, or Bullet/Yearly) is the more comparable number across products. We built full interactive calculators for the four products with a single, unambiguous asset-based structure (Commercial Vehicle, Tractor, Home, E-Bike); for the rest, use the table to compare at a glance, then confirm your exact rate with MMBL before applying, since these figures can change every six months on MMBL's own SOC cycle.
| Product | Loan Limit (Rs.) | Tenure | Down Payment / Terms | Processing Fee | Flat Rate | Disclosed APR |
|---|---|---|---|---|---|---|
| Khushhal Kissan Loan | 50,000 – 500,000 | 3–12 months | Guarantor | Rs. 3,500 or 3% (higher) | 39.50% | 39.50% (Yearly) |
| Livestock Loan | 50,000 – 500,000 | 6–12 months | Guarantor | Rs. 3,500 or 3% (higher) | 39.50% | 39.50% (Yearly) |
| Bint-e-Hawa Business Loan | Up to 500,000 | 3–36 months | Guarantor | Rs. 2,500 or 2.5% (higher) | 24% | 41.70% (Monthly) |
| 25,000 – 50,000 | 12 months | Against Gold – Margin 10% | 37% | 37% (Yearly) | ||
| 50,001 – 100,000 | 12 months | Against Gold – Margin 10% | 37% | 37% (Yearly) | ||
| 100,001 – 350,000 | 12 months | Against Gold – Margin 10% | 36% | 36% (Yearly) | ||
| 350,001 – 500,000 | 12 months | Against Gold – Margin 10% | 35% | 35% (Yearly) | ||
| Karobar Plus Loan | 50,000 – 500,000 | 1–5 years | TDR, Gold, Vehicle, Property, Salary/Pension, incl. Solar | 1% of loan amount | 15.81% | 29% (Monthly) |
| 500,001 – 1,000,000 | 1–5 years | Same as above | 1% of loan amount | 15.81% | 29% (Monthly) | |
| 1,000,001 – 3,000,000 | 1–5 years | Same as above (15% LTV for Rs. 3–5M against Gold) | 0.5% of loan amount | 14.63% | 27% (Monthly) | |
| Salary Loan | 50,000 – 1,000,000 | 1–5 years | Salary, Pension | Rs. 25,000 or 5% (lower) | 15.22% | 28% (Monthly) |
| 1,000,001 – 3,000,000 | 1–5 years | Salary, Pension | 14.06% | 26% (Monthly) | ||
| Fori Cash Loan (Gold) | 25,000 – 100,000 | 12 months | Margin 10% | 1.5% of loan amount | 38% | 38% (Yearly) |
| 100,001 – 350,000 | 12 months | Margin 10% | 38% | 38% (Yearly) | ||
| 350,001 – 500,000 | 12 months | Margin 10% | 38% | 38% (Yearly) | ||
| Microenterprise Loan (Gold) | 500,001 – 1,000,000 | 12 months | Margin 15% | 1.5% of loan amount | 36% | 36% (Yearly) |
| 1,000,001 – 2,000,000 | 12 months | Margin 15% | 34% | 34% (Yearly) | ||
| 2,000,001 – 3,000,000 | 12 months | Margin 15% | 37% | 37% (Yearly) | ||
| 3,000,001 – 5,000,000 | 12 months | Margin 25% | 1% of loan amount | 27% | 27% (Yearly) | |
| Running Finance | Up to 350,000 | 1–5 years (monthly) | TDR, Gold, Vehicle, Property, Salary/Pension, All Collaterals | 1% of loan amount | 18.17% | 33% (Monthly) |
| 350,001 – 1,000,000 | 1–5 years (monthly) | Same as above | 16.99% | 31% (Monthly) | ||
| 1,000,001 – 3,000,000 | 1–5 years (monthly) | Same as above | 15.81% | 29% (Monthly) | ||
| 3,000,001 – 5,800,000 | 1–5 years (monthly) | Same as above (15% LTV for Rs. 3–5M against Gold) | 14.64% | 27% (Monthly) | ||
| Tractor Loan — calculator | Up to 3,000,000 | 1–10 years | HPA (Hire Purchase Agreement) | Rs. 15,000 | 21.46% | 28% (Half-Yearly) |
| 3,000,001 – 5,000,000 | 1–10 years | HPA | 19.12% | 25% (Half-Yearly) | ||
| Agri Passbook Loan | Up to 500,000 | Production 1yr / Development up to 10yr | Passbook | 1% of loan amount | 35% | 48.44% (Half-Yr) / 41.37% (Yearly) |
| 500,001 – 1,000,000 | Same as above | Passbook | 1% of loan amount | ~31%* | ~45.6% (Half-Yr) / ~38.8% (Yearly)* | |
| 1,000,001 – 3,000,000 | Same as above | Passbook | 0.5% of loan amount | 27% | 39.72% (Half-Yr) / 33.79% (Yearly) | |
| Agri Plus Loan | Up to 500,000 | 1–3 years | Passbook, Guarantor | 3% of loan amount or Rs. 3,500 (higher) | 42% (Monthly) / 70% (Quarterly) / 60% (Half-Yr) / 54% (Yearly) | |
| Above 500,000 | 1–3 years | Passbook, Guarantor | 2% of loan amount or Rs. 15,000 (higher) | 36% (Monthly) / 61% (Quarterly) / 54% (Half-Yr) / 46% (Yearly) | ||
| Commercial Vehicle Loan — calculator | Up to 3,000,000 | Up to 1000cc: 7yr / Above 1000cc: 10yr | — | Rs. 20,000 | 11.16% | 21.50% (Monthly) |
| 3,000,001 – 5,000,000 | Same as above | — | 11.16% | 21.50% (Monthly) | ||
| School Loan | Up to 1,000,000 | Up to 10 years | — | 2% of loan amount | 18.17% | 32% (Monthly) |
| Home Loan — calculator | Up to 500,000 | Up to 5 years | All purposes including Solar | Rs. 7,500 | 14.06% | 26% (Monthly) |
| 500,001 – 1,000,000 | Up to 7 years | Rs. 20,000 | 14.06% | 26% (Monthly) | ||
| 1,000,001 – 3,000,000 | Up to 20 years | Rs. 20,000 | 14.06% | 25% (Monthly) | ||
| 3,000,001 – 5,000,000 | Up to 20 years | Rs. 20,000 | 12.32% | 22% (Monthly) | ||
| E-Bike Loan — calculator | Up to 500,000 | Up to 5 years | — | 2% of loan amount | 12.32% | 22% (Monthly) |
| Solar Purpose Financing | Solar Purpose – Agri Passbook Loan: Up to Rs. 3,000,000, up to 10 years — same rate/fee as base Agri Passbook Loan above. | |||||
| Solar Purpose – Agri Plus Loan: Up to Rs. 1,000,000, up to 3 years — same rate/fee as base Agri Plus Loan above. | ||||||
| Solar Purpose – Karobar Plus Loan: Up to Rs. 3,000,000, up to 3 years — same rate/fee as base Karobar Plus Loan above. | ||||||
| These solar variants are the same base products (Agri Passbook, Agri Plus, Karobar Plus) applied to solar-specific financing — MMBL's rate card marks their terms, fees, and flat rates as "Same as Product," with disclosed Yearly APRs in the 26–28% range. | ||||||
| Zarkhez-e (NSFSS under KKL) | 50,000 – 500,000 | 3–12 months | — | Rs. 3,500 or 3% (higher) | 29% | 29% (Yearly) |
| Wazir-e-Azam Apna Ghar Program (SBP Housing) | Up to 5,000,000 | Up to 20 years | Subsidy fee up to 10 years only | No processing fee | 5% | 5% (Yearly) |
*Agri Passbook Loan's middle tier (Rs. 500,001–1,000,000) was only partially legible in the source scan — figures marked with an asterisk are our best reading and should be confirmed with MMBL before relying on them; every other figure in this table was clearly legible and cross-verified against the rate card's own internal consistency (flat rate matching disclosed APR for single-payment products). Source: MMBL's internal "Lending Products – Pricing Structure" rate card (15 June 2026) and Schedule of Bank Charges (Inst./26/2026, effective 1 July – 31 December 2026). Figures exclude FED/Sales Tax, which applies per your province. Rates change every six months on MMBL's SOC cycle — always confirm your actual terms before applying.
How to Apply
Most MMBL loan products can be applied for directly through the DOST app, which includes a dedicated loan application flow and loan summary view. Merchant financing through Dost Tajir requires registering at account.mobilinkbank.com and being linked to a participating distributor first.
Who MMBL's Lending Actually Serves
MMBL's loan book leans heavily toward small and micro-enterprise borrowers, farmers, and individuals who may not qualify for a conventional commercial-bank loan — consistent with MMBL's SBP microfinance license and its stated mission of financial inclusion. The scale of MMBL's nano-loan disbursement (8.2 million-plus since inception) reflects a high-volume, small-ticket lending model rather than the fewer, larger loans a commercial bank's personal-loan book might carry.
Good For
- Comparing rates, fees, and tenure across all 18 MMBL loan products in one table — not published anywhere else, including MMBL's own site
- Calculating real installments and total cost for Vehicle, Tractor, Home, and E-Bike loans, using MMBL's actual flat-rate pricing
- Finding the fastest application route for each loan type
- Distinguishing MMBL's microfinance lending from commercial personal loans
Ready to apply for an MMBL loan?
Get a current rate and eligibility check directly from MMBL before you apply.
More on MMBL
Bank Overview
Ownership, leadership, licensing, and key facts.
Account Opening
Account types, requirements, and how to apply.
DOST App (Digital Banking)
Mobile and internet banking features.
Branch & Agent Locator
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ATM & Debit Cards
1LINK/MNET access and card details.
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Deposit account types and profit structure.
Careers
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Helpline & Complaints
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SWIFT & IBAN
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Bank Timings
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Financial Results
Latest disclosed results and credit rating.
Islamic Banking
MMBL's Islamic banking branches and app mode.
Latest News & Updates
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Raast
RAAST ID registration, transfers, and QR payments.
Zakat & Tax
2026 Nisab, CZ-50 exemption, and withholding tax rates.
Fraud & Security
Genuine MMBL numbers and how to spot a scam.
Account Closure & Dormant Accounts
The 12-month dormancy rule and how to close an account.
Similar Banks
For independent verification, see State Bank of Pakistan, MMBL Official Website, VEON Ltd.