Mobilink Bank, Pakistan’s leading digital microfinance institution, has announced a landmark five-year partnership with the Sindh Enterprise Development Fund (SEDF), Government of Sindh, aimed at enhancing access to structured financing for micro, small, and medium enterprises (MSMEs) across the province’s priority economic sectors. The collaboration is designed to unlock up to PKR 1 billion in financing by combining Mobilink Bank’s digital lending capabilities with SEDF’s markup subsidy support, significantly reducing the cost of capital for local entrepreneurs while promoting sustainable economic activity across Sindh.
The partnership targets high-impact sectors including agriculture value chains, livestock and dairy, poultry, fisheries, cold storage and logistics, renewable and alternative energy solutions, women-led enterprises, mining and mineral processing, and innovation-driven IT projects. Mobilink Bank will provide short, medium, and long-term MSME financing while SEDF will offer markup subsidy support of up to one-year KIBOR or 10 percent, whichever is lower, for an initial three-year period, extendable based on performance. Individual projects will be eligible for financing up to PKR 5 million, with flexibility for expansion in innovative cases.
Haaris Mahmood Chaudhary, President and CEO of Mobilink Bank, emphasized the importance of the initiative, stating that small businesses are the backbone of Pakistan’s economy. He highlighted that many entrepreneurs continue to face structural barriers in accessing affordable finance. “Through our partnership with SEDF, we are aligning financial innovation with policy support to expand access where it is needed most. We want to channel affordable capital directly to local entrepreneurs, enable bottom-up economic growth, and unlock sustainable livelihoods across the province. This collaboration is about strengthening small businesses today to build a more resilient and inclusive economy for tomorrow,” he said.
Zubair Ahmed Channa, Secretary of the Investment Department, Government of Sindh, underscored the role of public-private collaborations in reinforcing policy alignment and creating scalable financial pathways for SMEs operating in Sindh’s value-added industries. He highlighted that structured financing ecosystems like this partnership help strengthen productive sectors across the province, enhancing both regional and sectoral economic resilience.
The Mobilink Bank-SEDF initiative reflects a strategic approach to integrate concessional support with commercial financing. The program is expected to empower rural entrepreneurs, women-led businesses, and innovative MSMEs to invest in productivity, adopt green technologies, and scale operations with lower borrowing costs and improved access to formal credit. The partnership provides a replicable model for other provinces aiming to foster inclusive growth, financial accessibility, and long-term economic resilience.
By leveraging Mobilink Bank’s digital infrastructure and SEDF’s policy-backed financial incentives, the collaboration is positioned to accelerate economic activity across key sectors, promote sustainable development, and enhance the overall competitiveness of Sindh’s MSME ecosystem. This initiative is part of a broader effort to combine public policy support with private sector efficiency in building a more resilient, inclusive, and growth-oriented economy across Pakistan.
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