ISLAMABAD – March 3, 2026: Mobilink Bank has signed a five-year agreement with the Sindh Enterprise Development Fund (SEDF), Government of Sindh, to enhance access to MSME financing in Sindh, targeting priority economic sectors across the province.
The agreement will facilitate up to PKR 1 billion in financing by combining Mobilink Bank’s lending framework with SEDF’s markup subsidy mechanism. The initiative is designed to reduce borrowing costs for micro, small, and medium enterprises while supporting economic growth in key industries.
Under the arrangement, Mobilink Bank will provide short-, medium-, and long-term loans to eligible businesses. SEDF will offer a markup subsidy of up to one-year KIBOR or 10 percent, whichever is lower, for an initial period of three years, with the possibility of extension based on performance outcomes. Individual enterprises may access financing of up to PKR 5 million, with room for higher limits in innovative or scalable cases.
Target sectors and financing structure
The partnership covers a range of sectors identified as growth drivers in Sindh. These include agriculture value chains, livestock and dairy, poultry, fisheries, cold storage and logistics, renewable and alternative energy, mining and mineral processing, information technology, and women-led enterprises.
Officials said the financing model integrates public sector support with commercial lending to create structured and concessional credit pathways for SMEs that traditionally face constraints in accessing formal finance.
Haaris Mahmood Chaudhary, President and CEO of Mobilink Bank, stated that small businesses play a central role in employment generation and regional value chains. He said the collaboration aims to improve financial inclusion by aligning policy-backed incentives with private sector banking channels.
Zubair Ahmed Channa, Secretary, Investment Department, Government of Sindh, said the agreement reflects the provincial government’s focus on strengthening institutional financing ecosystems for productive sectors. He added that structured public-private coordination can improve credit access for SMEs operating in value-added industries.
Focus on inclusive and sustainable growth
The initiative is expected to particularly support rural enterprises and women-led businesses by lowering financing costs and improving access to formal credit. According to officials, the concessional structure will enable businesses to invest in productivity, adopt green technologies, and expand operations.
The Mobilink Bank–SEDF agreement represents a model that blends subsidy support with commercial banking operations to strengthen economic resilience in Sindh, with potential for replication in other provinces.
