Karachi: Mobilink Bank has entered into a five-year strategic partnership with the Sindh Enterprise Development Fund (SEDF), operating under the Government of Sindh, to expand structured financing for micro, small, and medium enterprises (MSMEs) across Sindh’s key growth sectors.
The collaboration aims to unlock up to PKR 1 billion in financing by combining Mobilink Bank’s lending expertise with SEDF’s markup subsidy support, significantly lowering the cost of capital for entrepreneurs and promoting sustainable economic activity throughout the province.
Under the agreement, Mobilink Bank will offer short-, medium-, and long-term financing solutions to MSMEs, while SEDF will provide a markup subsidy of up to one-year KIBOR or 10 percent — whichever is lower — for an initial three-year period, extendable based on performance. Individual enterprises will be eligible for financing of up to PKR 5 million, with flexibility for expansion in innovative and high-impact projects.
The partnership targets underserved and high-potential sectors, including agri value chains, livestock and dairy, poultry, fisheries, cold storage and logistics, renewable and alternative energy, women-led enterprises, mining and mineral processing, as well as innovation-driven IT ventures.
Haaris Mahmood Chaudhary, President & CEO of Mobilink Bank, said small businesses remain the backbone of Pakistan’s real economy, driving employment and sustaining local value chains. He noted that despite their central role, many entrepreneurs face structural barriers in accessing affordable finance. Through this partnership, he said, the bank aims to align financial innovation with public policy support to expand credit access where it is needed most, enabling bottom-up economic growth and strengthening livelihoods across Sindh.
Zubair Ahmed Channa, Secretary of the Investment Department, Government of Sindh, emphasized the provincial government’s commitment to strengthening institutional financing frameworks that support productive sectors. He stated that structured public-private collaborations such as this agreement create scalable financial pathways for SMEs and reinforce policy alignment to stimulate value-added industries in Sindh.
The Mobilink Bank–SEDF partnership reflects a broader effort to integrate concessional support with commercial lending to drive inclusive growth, sustainability, and entrepreneurship. By improving access to affordable credit — particularly for rural enterprises and women-led businesses — the initiative is expected to enhance productivity, promote adoption of green technologies, and build long-term economic resilience in Sindh.
Officials noted that the model could serve as a replicable framework for other provinces seeking to strengthen MSME ecosystems through coordinated public-private financing mechanisms.
