Easy repayment options and competitive interest rates.
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Whether you need cash to design your dream home, give your children the best education, make your daughter's wedding the talk of town, or take that dream vacation with your loved ones; we help you make this possible with a Standard Chartered Personal Loans.

Featuring exciting schemes, easy repayment options and competitive interest rates, the Standard Chartered Personal Loan is a hassle free way to fulfil your financial needs.

Special Features

Key features of the Standard Chartered Personal Loan:

  • Loans available with range of repayment options from 1-5 years
  • Borrow up to PKR 2 mn
  • Competitive interest rates
  • No security, collateral or guarantors required
  • Easy documentation and quick processing
  • Top up facility on existing Personal Loans with Standard Chartered


    Documents Required
    • Copy of Valid CNIC
    • Salary Slip


  Gross Salary < 50k Gross Salary >= 50k Gross Salary >= 100k
Employee Banking* 28% 16% - 28% -
Non Employee Banking - 25% 19% - 23%

* Customers who receive their salary in their Standard Chartered account

Instalment Calculation:

To calculate your payment instalments on a Personal Loan, simply multiply the amount you want to borrow by the relevant number below:

  Repayment Period in Years
Instalment Factors 1 2 3 4 5
Interest Rate 16% 0.09073 0.04896 0.03515 0.02834 0.02431
18% 0.09167 0.04992 0.03615 0.02937 0.02539
20% 0.09263 0.05089 0.03716 0.03043 0.02649
22% 0.09359 0.05187 0.03819 0.03542 0.02761
23% 0.09407 0.05237 0.0387 0.03205 0.02819
24% 0.09455 0.05287 0.03923 0.0326 0.02876
25% 0.09504 0.05337 0.03975 0.03315 0.02935
27% 0.09601 0.05438 0.04082 0.03428 0.03053
29% 0.09699 0.05539 0.0419 0.03542 0.03174
30% 0.09748 0.05591 0.04245 0.036 0.03235
31% 0.09798 0.05642 0.043 0.03659 0.03297
32% 0.09847 0.05694 0.04355 0.03717 0.03359


    • What are the minimum and maximum loan amounts?
      You can avail of loans ranging from PKR 30,000 to PKR 2 mn depending on your eligibility, income and repayment capacity.

    • What are the loan tenure options?
      The loan can be repaid over a period of 12 to 60 months.

    • How much time will it take for my loan to be approved?
      Your loan will be disbursed within 10 working days post receipt of the all required documents.

    • Are there any additional charges?
      A processing fee will be charged on the loan amount as follows:

      New Loan Amount 1% of Loan Amount or PKR 2,500 whichever is higher.
      Top Up Loan Amount 1% of Net/ Fresh Loan Amount or PKR 5,000 whichever is higher.

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Terms and Conditions

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Compliants relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.