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Bank Alfalah Quick Finance (AQF)

Whether you need funds for personal use, family expenses, or business expansion, Bank Alfalah Quick Finance offers a convenient solution while keeping your savings intact. This facility provides running finance as the main limit, with import/export related facilities available as sub-limits, secured against a wide range of financial instruments.

With Quick Finance, you gain fast access to liquidity, flexible borrowing options, and peace of mind knowing your investments remain safe.

 


Key Features & Benefits

  • Financing limit up to 85% – 90% of the encashment value of the security

  • Facility available for individuals, SMEs, and corporates

  • Third-party financing allowed

  • Quick processing for faster access to funds

  • No clean-up requirement

  • Available for Overseas Pakistanis

 


Eligibility Criteria

  • Applicant must be a Pakistani resident, unless the loan is backed by a foreign currency account

  • Age between 18 and 65 years at the time of financing

 


Facility Details

  • Loan Amount: From PKR 50,000 to PKR 300 million

  • Security:

    • National Savings Certificates (DSCs, SSCs, RICs)

    • Alfalah GHP Mutual Funds (Sovereign Fund & Capital Preservation Fund)

    • Bank deposits with Bank Alfalah or other A-rated banks

    • Prize Bonds

  • Repayment: Quarterly mark-up, payable within 15 days of due date

  • Markup Rate: Based on 6-month KIBOR or profit earned on deposits

  • Processing Charges:

    • PKR 1,200 per application

    • PKR 600 for enhancement or renewal

 


Required Documentation

  • Copy of CNIC

  • Copy of security (Govt. securities, TDRs, or prize bonds)

  • Basic Fact Sheet

  • Copy of last paid telephone bill (PTCL or mobile)

  • For business loans, documents as per legal structure of the firm/business

 


Why Choose Quick Finance?

  • Instant liquidity without liquidating your savings

  • Wide choice of acceptable securities

  • Flexible facility structure to support personal and business needs

  • Accessible to both resident and overseas Pakistanis

 


👉 Secure your future while fulfilling today’s needs with Bank Alfalah Quick Finance.

A: Running finance, LC, LG and import/export facilities with the main limit as running finance and sublimits for other trade facilities.

A: National Saving Certificates, Prize Bonds, PKR/FCY deposits (Bank Alfalah or A-rated banks), selected Alfalah GHP Mutual Funds, and other acceptable instruments.

A: From PKR 50,000 up to PKR 300 million.

A: Up to 85%–90% of the encashment value — typically up to 90% for PKR instruments and up to 85% for foreign currency deposits.

A: PKR 1,200 per application; PKR 600 for enhancement or renewal of facility.

A: Quarterly; payable within 15 days of its due date.

A: Resident Pakistanis (unless the loan is backed by a foreign currency account). Age between 18 and 65 at time of financing.

A: CNIC, basic fact sheet, copy of security (government securities/TDRs/prize bonds), last paid telephone bill. Business loans require documentation per legal structure.

A: Early repayment is subject to bank policy — confirm specific charges or waiver conditions with the branch at application.