Punjab Loan Scheme 2025 – How Long Does Loan Approval Take?
One of the most common questions from business owners is “How much time does loan approval take?”
Here’s the step-by-step timeline:
Step-by-Step Process & Time Required:
- Step 1 – Application Submission (Day 1-3):
- Submit online application with scanned documents.
- Bank receives & registers your file.
- Submit online application with scanned documents.
- Step 2 – Initial Screening (7-10 Days):
- Bank checks eligibility (age, CNIC, NTN, tax status).
- If documents are incomplete → applicant gets notice.
- Bank checks eligibility (age, CNIC, NTN, tax status).
- Step 3 – Verification & Survey (10-15 Days):
- Bank may conduct site visit / business survey.
- NTN, FBR status, and credit history are verified.
- Bank may conduct site visit / business survey.
- Step 4 – Committee Approval (7-10 Days):
- File is forwarded to loan committee for approval.
- Sometimes requires a presentation or interview.
- File is forwarded to loan committee for approval.
- Step 5 – Final Approval & Agreement (5-7 Days):
- Bank prepares loan agreement.
- Applicant signs terms & repayment plan.
- Bank prepares loan agreement.
- Step 6 – Disbursement (3-5 Days):
- Loan is transferred to applicant’s business account.
- For vehicle leasing → payment goes directly to dealer.
- Loan is transferred to applicant’s business account.
Total Time Frame:
- Average: 30 – 45 working days.
- Startups: May take longer due to feasibility checks.
- Existing Businesses: Faster if documents are complete.
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