Required Documents for Microfinance Loan

Commonly required documents

CNIC (National Identity Card)
Original + photocopy of applicant and spouse. Must be valid and unexpired.
Recent utility bill
Electricity, gas, or water bill as proof of current residential address.
Income proof (if available)
Pay slip, bank statement, or a self-declaration of income form provided by the branch.
Business details
Written description of your existing or proposed business or intended use of loan funds.
Passport-size photographs
Recent photographs of the applicant (typically 2–4 copies).
Guarantor's CNIC
Photocopy of a community guarantor's identity card, if required by the branch program.

ℹ Document requirements may differ by loan category, amount, and branch location. Confirm the exact list at your nearest Akhuwat office before your visit.