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Personal Loan

MCB Personal Loan Calculator

MCB Personal Loan is a Fast, Affordable and Easy option to meet your immediate financing needs.

Key Features

  • Minimum Loan Amount: PKR 50,000
  • Maximum Loan Amount: Up to PKR 2 Million
  • Tenure: 1 year to 5 years
  • No collateral required
  • No processing fee if loan is not approved
  • Approved Cities: Karachi, Lahore, Rawalpindi, Islamabad, Faisalabad, Hyderabad, Multan, Gujranwala, Peshawar, Jhelum, Abbottabad, Bahawalpur and Sialkot


  • Salaried individuals working in the corporate sector, Government of Pakistan and Armed Forces *
  • Any person who has taken a credit card, personal loan or an overdraft facility from any bank in Pakistan, including self-employed segment **
  • An existing MCB Car4U customer who took the MCB car loan more than 1 year ago *
  • Any MCB salaried customer whose salary has been being credited in MCB for more than a year
  • Minimum Net monthly Salary

    1. Salaried Customers: PKR 30,000 to PKR 40,000/- depending on employer*
    2. Govt. Officers/ Armed Forces: PKR 30,000
    3. Self-Employed customers * : PKR 100,000/- **
  • Prime Customer Category Eligibility

    1. Salaried: if you have a Monthly Gross Salary of over PKR 500,000**
    2. Self-employed: If you are maintaining an average balance of PKR 1 Million with MCB Bank for one or 1.5 Million in any other bank for a minimum of 1year **

Initial Documents:

  • Copy of Salary slip/ Proof of income
  • Copy of Valid CNIC



Customers with Qualifying Credit History

Customers with non-Qualifying Credit History



1 to 5 years


Salaried – Govt/Armed Forces

Year KIBOR + 14% 1 – Year KIBOR + 16%


Self Employed

1 – Year KIBOR + 16% 1 – Year KIBOR + 18%


*Subject to terms & conditions
** The approval eligibility criteria have been broadly defined. Bank reserves the right to accept or reject any proposal.

For further information, please call MCB Phone Banking at 111-000-622 (MCB Bank) or visit your nearest MCB Bank Branch.

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