Standard Chartered Personal Loan Calculator — Rates & Options
Three distinct SCB financing products compared, and what actually drives your instalment.
- Personal Finance
- Swift Finance
- Saadiq Personal Finance
Standard Chartered's personal loan — Personal Finance — carries a mark-up of up to 38% per annum (fixed), per the bank's official Schedule of Charges, alongside Swift Finance (secured, from KIBOR + 0.5%) and Saadiq Personal Finance (Shariah-compliant, tiered processing fee).
Standard Chartered Pakistan's personal loan lineup has three distinct products rather than one — a straightforward unsecured Personal Finance facility, a lower-cost secured alternative called Swift Finance, and a Shariah-compliant Saadiq Personal Finance option. The rates and fees below come directly from SCB's official Schedule of Charges for 1 July – 31 December 2026.
Which SCB Loan Actually Costs Less For You?
SCB doesn't offer one personal loan — it offers three, priced completely differently. Most comparison tools online compare across banks; this compares SCB's own three products against each other for your actual loan amount and tenure, including the processing fee and prepayment exposure most calculators skip.
Your Loan
Showing Rs. 1,000,000 over 3 years as an example — edit the fields above and it updates instantly.
Total Cost — Side by Side
Mark-up rates, processing fees, and prepayment charges confirmed from Standard Chartered Pakistan's official Conventional, Wealth Solutions, and Saadiq Schedule of Charges, 1 July – 31 December 2026. Swift Finance's KIBOR component uses the 1-Year KIBOR offer rate of 12.16%, published by the State Bank of Pakistan on 20 August 2026 — this changes periodically, so the Swift Finance figure here will drift from the live rate over time. Last verified: August 23, 2026.
Personal Finance — Official Rates & Fees
| Item | Charge |
|---|---|
| Mark-up Rate | Up to 38% p.a. (fixed) |
| Processing Fee — New Loan | 1% of loan amount or Rs 2,500, whichever is higher |
| Processing Fee — Top-up Loan | 1% of net/fresh amount or Rs 5,000, whichever is higher |
| Prepayment — within 12 months | 10% of outstanding amount |
| Prepayment — after 12 months | 5% of outstanding amount |
Confirmed from Standard Chartered Pakistan's official Conventional Schedule of Charges, 1 July – 31 December 2026.
Swift Finance — Secured, Tiered Pricing
Swift Finance is priced as a spread over KIBOR rather than a flat rate, and the spread narrows as the borrowed amount increases:
| Amount | PKR Pricing | FCY Pricing |
|---|---|---|
| Up to Rs 5 million | KIBOR + 1.5% | KIBOR + 2.0% |
| Rs 5M – 10 million | KIBOR + 1.0% | KIBOR + 1.5% |
| Above Rs 10 million | KIBOR + 0.5% | KIBOR + 1.0% |
Swift Finance also carries a flat Rs 5,000 processing fee plus stamp duty at actual — meaningfully cheaper in both mark-up and fees than unsecured Personal Finance, for customers who can pledge qualifying assets.
Saadiq Personal Finance — Processing Fee by Loan Size
| Loan Amount | Processing Fee |
|---|---|
| Up to Rs 500,000 | Rs 5,000 |
| Rs 500,001 – 1,000,000 | Rs 7,500 |
| Rs 1,000,001 – 1,500,000 | Rs 10,000 |
| Rs 1,500,001 – 2,000,000 | Rs 15,000 |
| Above Rs 2,000,000 | Rs 25,000 |
Early settlement on Saadiq Personal Finance charges 10% of the outstanding principal if repaid within the first year, dropping to 5% after more than a year — though the bank retains discretion to rebate part of the profit due between settlement and maturity.
Swift Finance and Saadiq Personal Finance figures confirmed from Standard Chartered Pakistan's official Wealth Solutions and Saadiq Schedule of Charges, 1 July – 31 December 2026.
Revolving Credit / Ready Cash
SCB also offers Revolving Credit (Ready Cash) as a fourth option — a running credit line rather than a fixed-instalment loan — carrying a Rs 3,000 annual line renewal charge, a 0.35% per month optional Credit Protector fee, and a 10% prepayment fee on early full settlement. Per SCB's Help Centre, eligible credit lines run up to 6 times gross monthly income or a maximum of Rs 2,000,000, whichever is lower, with a one-time processing fee of Rs 1,500 — figures sourced separately from the Help Centre rather than the Schedule of Charges, so confirm both together with SCB before applying.
Frequently Asked
Which is genuinely cheapest?
Swift Finance, if you have qualifying assets to secure it against — its KIBOR-plus-spread pricing runs well below Personal Finance's flat 38% cap.
Does prepaying early always save money?
Not necessarily — both Personal Finance and Saadiq Personal Finance charge a prepayment/early-settlement fee (10% within the first year), which can offset some of the mark-up saved.
Is the processing fee refundable?
No — processing fees on Personal Finance, Swift Finance, and Saadiq Personal Finance are all non-refundable once the facility is booked.
Good For
- Telling apart SCB's three personal financing products before applying
- Understanding how Swift Finance can meaningfully cut your mark-up cost
- Knowing which inputs actually drive your monthly instalment
- Getting a real current rate quote instead of an outdated estimate
Ready to bank with Standard Chartered?
Verify current rates, offers, and terms directly with SCB Pakistan before you apply.
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