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Halan Microfinance Bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Halan Microfinance Bank suits salaried workers in Pakistan who want a salary loan and an easy-access savings account from one lender. It lends direct as Halan Microfinance Bank Ltd., sets a variable rate on the savings account and runs a hard credit check on loan applicants.

Key facts

Best for
Salaried Pakistani borrowers with payslips and bank statements who also want a savings account.
Loan amount
PKR 50,000 to PKR 500,000↗
Term
6 to 36 months↗
Credit check
Hard↗
Funding time
Up to 7 working days to process and disburse↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Male or female, aged 18-65, valid CNIC, salary slip and bank statement showing salary credits↗
Loan types
Personal, Business, Car↗
Legal entity
Halan Microfinance Bank Ltd.↗
Headquarters
Pakistan↗
Founded
2012↗
Support channels
Email, Phone, Help-centre↗
Official website
halan.com.pk

Savings

Headline rate
5%↗
Minimum deposit
PKR 100↗
Access terms
Withdrawals at any Halan branch via cheque book↗
Account kind
Easy access↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
LinkedInm.facebook.com

Pros and cons

Pros

  • Salary loans of PKR 50,000 to PKR 500,000 over a term of 6 to 36, covering personal, business and car needs
  • Hard credit check, so the decision rests on a full file rather than a soft search
  • Easy-access savings account paying a variable rate, with a minimum deposit of PKR 100
  • Support runs on email, phone and help centre, and withdrawals work at any Halan branch via cheque book

Cons

  • Processing and disbursement can take Up to 7 working days to process and disburse, longer than the instant funding many borrowers expect
  • The savings rate is variable, so the return on the account can move
  • Eligibility centres on salary slip and bank statement showing salary credits, which rules out applicants without a formal salary record
Halan Microfinance Bank

Ready to try Halan Microfinance Bank?

Scored 9.1 / 10 by SumCue.

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Who it suits

  • Salaried employees in Pakistan applying for a personal, business or car loan
  • People who bank in Pakistani rupees and want a lender that also offers a savings account
  • Borrowers who can wait Up to 7 working days to process and disburse for money to reach their account

Who should look elsewhere

  • Anyone needing same-day cash, since disbursement takes Up to 7 working days to process and disburse
  • Applicants without a payslip and a bank statement showing salary credits
  • Borrowellers wanting a fixed-rate savings account, as the rate here is variable

How Halan Microfinance Bank compares

Where Halan Microfinance Bank is available

Available
Pakistan
Licence in Pakistan
State Bank of Pakistan, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from Halan Microfinance Bank?+

Salary loans run from PKR 50,000 to PKR 500,000 over a term of 6 to 36. The bank lends direct as Halan Microfinance Bank Ltd., and the same lender also offers personal, business and car loans, so a borrower can come back for a different purpose later.

How long does it take to get the money?+

Processing and disbursement take Up to 7 working days to process and disburse. That sits well above the fast turnaround some lenders advertise, so anyone with a payment date to hit should apply well before the due date rather than expecting instant cash.

What interest does the savings account pay?+

The easy-access account pays a headline rate of 5%, and the rate type is variable. Because it is variable, the amount credited to the account can change as market conditions move, so the return is not locked in.

How much do I need to open the savings account?+

The minimum deposit is PKR 100, which is a small entry point. The account is easy-access by design, so you can add money over time rather than committing a large lump sum at the start.

How do I get my money out?+

Access works through Withdrawals at any Halan branch via cheque book. That means a branch visit with your cheque book, which suits customers who prefer handling withdrawals in person rather than managing everything on a screen.

Is the lender regulated?+

The regulator named for the brand is the State Bank of Pakistan, and the legal entity is Halan Microfinance Bank Ltd.. It operates as a direct lender, direct lender, so you deal with the bank itself rather than a broker or marketplace.

Does applying affect my credit file?+

The credit check is hard, which means a full search rather than a soft pre-qualification. That is stricter, but it also means the offer is priced on real file data. If an application is declined, the search can leave a mark.

Who can apply for a loan?+

Eligibility asks for a valid national identity card, a salary slip and a bank statement showing salary credits, from men and women alike within a working age range. A formal salary record is the core requirement, so self-employed applicants are a poor fit.

Sources

  • halan.com.pk checked September 26, 2026

    Backs: Headquarters, Loan types

    “Head Office, 3rd Floor, Gate no 3, Islamic Chamber of Commerce, Block 9, Clifton, Karachi, Pakistan.”

  • halan.com.pk/about-us checked September 26, 2026

    Backs: Founded

    “Since 2012, we have been serving micro, small, and medium-sized enterprises with a complete range of financial services.”

  • halan.com.pk/asaan-saving-account checked September 26, 2026

    Backs: Account kind, Headline rate, Minimum deposit

    “The Asaan Saving Account is a simple and accessible savings solution for salaried individuals, non-working individuals, and illiterate clients with photo accounts”

  • halan.com.pk/client-protection checked September 26, 2026

    Backs: Credit check, Licences

    “Loan appraisal and credit bureau checking procedures are repeated with any new loan application.”

  • halan.com.pk/faqs checked September 26, 2026

    Backs: Access terms, Funding time, Rate type, Support channels

    “Yes, you can withdraw funds from any of our branches closest to you through your cheque book.”

  • halan.com.pk/salary-loan checked September 26, 2026

    Backs: Loan amount, Eligibility, Term

    “Salary Loan - Loan Amount: PKR 50,000 - PKR 500,000”

  • halan.com.pk/terms-of-use checked September 26, 2026

    Backs: Legal entity, Lender type

    “Registered Office: Halan Microfinance Bank Ltd. Head Office 3rd Floor, 3rd Gate, Islamic Chamber of Commerce, Clifton Block-9, Karachi.”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Representative example.

Halan Microfinance Bank

Halan Microfinance Bank

Salaried Pakistani borrowers with payslips and bank statements who also want a savings account.

9.1/10See alternatives