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HamrahGhar-Safe easy loan is a secure and convenient digital loan service operated by Punjab Rural Support Programme, a company registered in Pakistan and licensed by the Securities and Exchange Commission of Pakistan (SECP) to provide Investment Finance Services restricted to Microfinance through conventional means.

HamrahGhar-Safe easy loan provides fast, flexible and reliable loan services for eligible users in Pakistan. Users can apply for personal loan services anytime through their mobile phones, with a maximum loan amount of PKR 50,000.

📝 Loan Details

📅 Loan Term: 90 days to 180 days

💰 Loan Amount: Up to PKR 50,000

👉 Maximum Annual Percentage Rate (APR): 12.2% per year

🏦 Repayment Method: Installment repayment

🔐 Currency: Pakistani Rupee (PKR)

Example:

If the approved loan amount is PKR 12,000 for 180 days:

Annual interest rate: 12.2%

Monthly interest rate: 12.2% / 12 = 1.0167%

Total interest: PKR 12,000 × 12.2% / 12 × 6 = PKR 732

Total repayment amount: PKR 12,000 + PKR 732 = PKR 12,732

Estimated monthly repayment: PKR 12,732 / 6 = PKR 2,122

The above example is for reference only. The actual approved amount, repayment term, interest, repayment schedule and total repayment amount will be shown in the App before you confirm the loan.

❓ Product Advantages

✅ Simple application process through mobile phone

✅ Maximum loan amount up to PKR 50,000

✅ Flexible repayment period from 90 to 180 days

✅ Transparent interest rate and repayment details

✅ Secure identity verification and account protection

✅ Professional customer support and service assistance

Family Emergency Loan

Family Emergency Loan

Don't panic if you suddenly need money at home.

  • Suitable for: Sudden illness, emergency repairs for leaky roofs, appliance damage, unexpected travel expenses, etc.
  • Amount: 50,000 - 300,000 rupees
  • Term: 3 - 12 months
  • Features: Apply with only your CNIC and mobile phone number; no collateral required; fastest response on the same day. Repayment date can be negotiated and adjusted without extra fees.
Education Support Loan

Education Support Loan

Your child's tuition fees shouldn't be a burden.

  • Suitable for: University semester fees, exam registration fees, textbooks, laptops, and other educational expenses.
  • Amount: 30,000 - 150,000 rupees
  • Term: 6 - 18 months
  • Features: Apply with an acceptance letter or tuition fee receipt; repayment can be deferred during winter and summer breaks without incurring late fees.
Small Business Working Capital Loan

Small Business Working Capital Loan

We can help you with peak season inventory preparation and replenishment.

  • Suitable for: Small shops, roadside stalls, handicraft workshops, and individual transport businesses with short-term working capital needs.
  • Amount: 100,000 - 500,000 Rupees
  • Term: 3 - 24 months
  • Features: Only considers the last three months' purchase/sales records (handwritten ledgers are acceptable), no financial statements required; repayment schedule can be adjusted to your peak and off-peak seasons.
Home Repair Loan

Home Repair Loan

Peace of mind is paramount.

  • Suitable for: Repairing leaky roofs, painting interior and exterior walls, renovating kitchens and bathrooms, adding insulation or solar panels (small-scale).
  • Amount: 80,000 - 400,000 Rupees
  • Term: 6 - 24 months
  • Features: Only requires proof of property ownership or a lease agreement + landlord's consent (for leased properties); we do not consider renovation company quotes; you can purchase materials and hire contractors yourself. We will verify your actual expenses, with no restrictions on usage. Repayment can be made quarterly, easing monthly pressure.
Transportation Assistant Loan

Transportation Assistant Loan

For personal transportation, delivery, or errands.

  • Suitable for: Purchasing new/used motorcycles, e-bikes, tricycles, or repairing old cars, replacing tires/batteries.
  • Amount: 30,000 - 150,000 rupees
  • Term: 3 - 12 months
  • Features: Apply with a purchase intention form or repair shop quote; no vehicle collateral required, purely credit-based. If you're buying a motorcycle for delivery or passenger transport, we can also design a daily/weekly repayment plan based on your income schedule.
Personal Consumption Loan

Personal Consumption Loan

For those who want to buy necessities without a specific reason.

  • Suitable for: Upgrading mobile phones, buying electric vehicles, installing solar panels, purchasing furniture, and other personal durable consumer goods.
  • Amount: 20,000 - 100,000 rupees
  • Term: 3 - 9 months
  • Features: Purely credit-based, small and fast loan amounts; disbursement can be directly transferred to your mobile wallet (Easypaisa/JazzCash); flexible repayment, no penalty for early repayment.

Loan calculator

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