SME Asaan Finance Scheme Started again | SAAF Scheme | SBP Asaan Loan | Loan Without Property
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- เผยแพร่เมื่อ 18 ก.ย. 2024
- SME Asaan Finance Scheme | SAAF Scheme | SBP Asaan Loan | Loan Without Property
Loan Without collateral
SAAF SCHEME
• Banks Offering SME Asa...
SME Asaan Finance (SAAF) Scheme
• SME Asaan Finance Sche...
Enhancing access to finance to Small and Medium Enterprises (SMEs) is one of the priority areas of the State Bank of Pakistan (SBP). SMEs face a number of challenges in getting credit from banks; lack of collateral and high delivery costs are considered the biggest challenges. In order to overcome these challenges in an innovative manner, SBP is now adopting a new approach wherein interested banks will bid for a subsidized facility with risk coverage. Banks winning the bid will invest in human resource, technology and processes to succesfully develop expertise, capacity and capability to cater SME finance market. Accordingly, SBP is offering a ‘SME Asaan Finance’ (SAAF) scheme, available at Annexure A-i, wherein refinance and risk coverage both are being offered together.
Under the scheme, SBP will provide time bound refinancing for three years to the banks selected through a transparent bidding process. After three years, banks will repay the refinanced amount in ten equal yearly installments. The risk coverage will, however, be valid for a period of four years starting from launch of the scheme, in order to suitbly cover loans extended during third year of the scheme.
To accommodate the financing needs of faith sensitive borrorwers, Shariah compliant alternate of the scheme i.e. ‘Islamic SME Asaan Finance’ (I-SAAF) has also been developed and is available at Annexure B-i.
Following are the main features of the scheme:
Scope and Eligibility
All SMEs (new businesses as well as operative businesses) that are new borrowers of the participating banks are eligible. A single SME can, however, avail this facility from one bank only.
Financing Limit and Type
Maximum financing, under the scheme, to a single SME will be capped at PKR 10 million.
All types of loans i.e. term loans as well as working capital/running finance loans will be eligible.
Loans may be secured against personal guarantees of the borrowers.
Financing Tenor
Maximum tenor of the loan will be as per financing facility approved by the participating bank.
Rate of Mark-up
Mark-up rate for end user under the scheme will be of up to 9 percent per annum (p.a.). SBP will provide refinance to banks at 1 percent p.a. thereby, offering a spread of up to 8 percent p.a.
Risk Sharing
Under the scheme, Government of Pakistan will provide risk coverage of 40 percent to 60 percent on first loss portfolio basis on following portfolio categories:
Portfolio Category
Risk Coverage
Loans of up to PKR 4 million
60 percent
Loans exceeding PKR 4 million and up to PKR 7 million
50 percent
Loans exceeding PKR 7 million and up to PKR 10 million
40 percent
The risk sharing will be synchronized with the classification and provisioning criteria of SBP prescribed under Prudential Regulations for SME Financing to ensure that the profit & loss account of participating banks is not affected as far as loan infections remain below risk coverage levels.
The guarantee/risk sharing will be applicable on loans disbursed under this scheme during the first three years from the launch of the scheme. The validity of the guarantee/risk sharing facility will, however, come to an end after four years of the initiation of the scheme.
The risk coverage, at prescribed percentages, will be available separately for each portfolio category and appropriation of residual risk coverage from one portfolio category to another will not be permissible.
Limit on clean facility prescribed under Regulation SME R-4 of Prudential Regulations for SME financing will not be applicable on financing by banks under this scheme.
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nice
Assalamu alikum sir...
Sir ap ko ik request ki tii ...sir g CDR .STR CTR TDR STR.PO DD clearnig inter City clearnig.etc inko discussing vedio bnanay ko
Sir konsa bank SME scheme pr Qarz de rha ha.mery pass property or bank statement bhi hai.Plz guide
MCB,HBL,BANK AL HABIB account holder
Banks k naam video may diy hai
Sir kya ye scheme chl rhi h or kb tk chalegi
June 2024 tk
Aoa, sir aj kal scheme mojod hai ?
Yes
SME scheme ha kia plzzz guide
Sir Requirement ab b phlay wali ha ya kuch new hn
پہلے والی ھی ہیں
@@BankPortal
Thanks Sir❤
Bank ac statement required hoti ha...?
@@amirskhalil6772
جی اکاؤنٹ سٹیٹمنٹ چاہئے
Ye scheme abhi chal Rahi hai
Reply me
@@nadeemsaleem705 yes
Sir Kal Friday ko me hbl me gaya wahan unke rm SE Maine pocha unho ne kaha k abhi ye scheme nhi hai but thnx ab me dosre bank me jata hu
Assalam walaikum Sir máa bap k inteqal k bad unke bacho me kese taqseem kese Hogi virasat 80 lak he or Betey 2 or beti 7 or 1 bewa Baho or unki 2 bachi
Inko taqseem kis Tarah hogi
Plz plz plz plz plz plz plz plz plz plz plz plz plz plz plz plz plz plz plz plz plz plz plz plz plz plz plz sir vedio bna loo
nai start hoi joth q bol rhy ho
ھوگئی ھے بھائی
مجھے جھوٹ بولنے کی کیا ضرورت ہے
koi link wgera ? mjy to koi ni mila khi b
@@stocks7140
لنک سے نہیں بینک سے پتہ کریں
knsy bank ?
@@stocks7140
پوری ویڈیو دیکھیں اس میں بینکوں کے نام بھی ہیں