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Microfinance

Microfinance refers to services provided to unemployed or low-income individuals or groups, who otherwise would have no other access to financial services. Data for this category is sourced from the quarterly MicroWatch published by the [Pakistan Microfinance Network](https://pmn.org.pk/).

Key Figures

Gross Loan Portfolio
Dec 2023

PKR 496.3B

1.8% QoQ
Active Borrowers
Dec 2023

9.4M

3.6% QoQ
Portfolio at Risk > 30 days
Mar 2023

5.3%

-0.3% QoQ
Number of Branches
Sep 2020

3.8K

0.6% QoQ

Datasets (61)

Period/Range Data Points Date Modified Trend

Gross Loan Portfolio

Period
Quarterly
Datapoints
56
Date Modified
22 Sep 2025 09:44 AM
Quarterly
Mar 2010 to Dec 2023
56 22 Sep 2025 09:44 AM
3.1% QoQ

Gross Loan Portfolio - by Lending Methodology

Period
Quarterly
Datapoints
56
Date Modified
22 Sep 2025 09:48 AM
Quarterly
Mar 2010 to Dec 2023
56 22 Sep 2025 09:48 AM
3.1% QoQ

Gross Loan Portfolio - by Province

Period
Quarterly
Datapoints
56
Date Modified
22 Sep 2025 10:14 AM
Quarterly
Mar 2010 to Dec 2023
56 22 Sep 2025 10:14 AM
1.8% QoQ

Active Microfinance Borrowers

Period
Quarterly
Datapoints
56
Date Modified
22 Sep 2025 10:20 AM
Quarterly
Mar 2010 to Dec 2023
56 22 Sep 2025 10:20 AM
3.6% QoQ

Active Microfinance Borrowers - by Lending Methodology

Period
Quarterly
Datapoints
56
Date Modified
22 Sep 2025 10:22 AM
Quarterly
Mar 2010 to Dec 2023
56 22 Sep 2025 10:22 AM
3.6% QoQ

Active Microfinance Borrowers - by Provinces

Period
Quarterly
Datapoints
56
Date Modified
22 Sep 2025 10:27 AM
Quarterly
Mar 2010 to Dec 2023
56 22 Sep 2025 10:27 AM

Number of Microfinance Providers

Period
Quarterly
Datapoints
56
Date Modified
22 Sep 2025 10:38 AM
Quarterly
Mar 2010 to Dec 2023
56 22 Sep 2025 10:38 AM
No Change

Branches of Microfinance Providers

Period
Quarterly
Datapoints
56
Date Modified
22 Sep 2025 10:41 AM
Quarterly
Mar 2010 to Dec 2023
56 22 Sep 2025 10:41 AM
-1.8% QoQ

Gross Loan Portfolio - Male (%)

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 05:23 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 05:23 AM
2% QoQ

Gross Loan Portfolio - Female (%)

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 05:24 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 05:24 AM
-2% QoQ

Gross Loan Portfolio - by Asset Type

Period
Quarterly
Datapoints
32
Date Modified
23 Sep 2025 05:26 AM
Quarterly
Mar 2016 to Dec 2023
32 23 Sep 2025 05:26 AM

Gross Loan Portfolio - Conventional & Islamic

Period
Quarterly
Datapoints
32
Date Modified
23 Sep 2025 05:35 AM
Quarterly
Mar 2016 to Dec 2023
32 23 Sep 2025 05:35 AM

Number of Loans Disbursed

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 05:39 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 05:39 AM
26.1% QoQ

Number of Loans Disbursed - by Lending Methodology

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 05:57 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 05:57 AM

Value of Disbursements

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 06:58 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 06:58 AM
-18.8% QoQ

Value of Disbursements - by Lending Methodology

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 07:00 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 07:00 AM

Average Value of Disbursements - by Peer Group

Period
Quarterly
Datapoints
100
Date Modified
23 Sep 2025 07:02 AM
Quarterly
Mar 2010 to Dec 2023
100 23 Sep 2025 07:02 AM

Average Value of Disbursements - by Lending Methodology

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 07:03 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 07:03 AM

Average Value of Outstanding Loan

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 07:22 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 07:22 AM
-0.5% QoQ

Average Value of Outstanding Loan - by Lending Methodology

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 07:23 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 07:23 AM

Portfolio at Risk > 30 days (%)

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 07:27 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 07:27 AM
-0% QoQ

Active Borrowers - Conventional & Islamic

Period
Quarterly
Datapoints
32
Date Modified
23 Sep 2025 07:29 AM
Quarterly
Mar 2016 to Dec 2023
32 23 Sep 2025 07:29 AM

Active Borrowers - Male (%)

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 07:31 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 07:31 AM
No Change

Active Borrowers - Female (%)

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 07:31 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 07:31 AM
No Change

Active Borrowers - Urban (%)

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 07:32 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 07:32 AM
2% QoQ

Active Borrowers - Rural (%)

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 07:33 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 07:33 AM
-2% QoQ

Active Borrowers - by Asset Type

Period
Quarterly
Datapoints
32
Date Modified
23 Sep 2025 07:34 AM
Quarterly
Mar 2016 to Dec 2023
32 23 Sep 2025 07:34 AM

Active Borrowers to Staff Ratio

Period
Quarterly
Datapoints
53
Date Modified
23 Sep 2025 07:36 AM
Quarterly
Dec 2010 to Dec 2023
53 23 Sep 2025 07:36 AM

Number of Microfinance Providers Extending Savings Services

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 07:39 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 07:39 AM
No Change

Total Number of Savers

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 07:41 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 07:41 AM
3.5% QoQ

Number of Savers - by Channel

Period
Quarterly
Datapoints
32
Date Modified
23 Sep 2025 07:43 AM
Quarterly
Mar 2016 to Dec 2023
32 23 Sep 2025 07:43 AM

Savers - Male (%)

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 07:48 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 07:48 AM
No Change

Savers - Female (%)

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 07:48 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 07:48 AM
No Change

Savers - Urban (%)

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 07:49 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 07:49 AM
-4% QoQ

Savers - Rural (%)

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 07:50 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 07:50 AM
4% QoQ

Savers - by Provinces

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 07:56 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 07:56 AM

Value of Savings

Period
Quarterly
Datapoints
56
Date Modified
24 Sep 2025 06:42 AM
Quarterly
Mar 2010 to Dec 2023
56 24 Sep 2025 06:42 AM
11.5% QoQ

Value of Savings - by Channel

Period
Quarterly
Datapoints
32
Date Modified
24 Sep 2025 06:43 AM
Quarterly
Mar 2016 to Dec 2023
32 24 Sep 2025 06:43 AM

Value of Savings - Male

Period
Quarterly
Datapoints
56
Date Modified
24 Sep 2025 06:44 AM
Quarterly
Mar 2010 to Dec 2023
56 24 Sep 2025 06:44 AM
5% QoQ

Value of Savings - Female

Period
Quarterly
Datapoints
56
Date Modified
24 Sep 2025 06:45 AM
Quarterly
Mar 2010 to Dec 2023
56 24 Sep 2025 06:45 AM
-5% QoQ

Value of Savings by Provinces

Period
Quarterly
Datapoints
56
Date Modified
24 Sep 2025 06:51 AM
Quarterly
Mar 2010 to Dec 2023
56 24 Sep 2025 06:51 AM

Number of Microfinance Providers Extending Microinsurance

Period
Monthly
Datapoints
56
Date Modified
23 Sep 2025 10:16 AM
Monthly
Mar 2010 to Dec 2023
56 23 Sep 2025 10:16 AM
-2.9% MoM

Number of Microfinance Providers Extending Microinsurances - by Type of Insurance

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 10:22 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 10:22 AM

Number of Insurance Policy Holders

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 10:25 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 10:25 AM
-7.4% QoQ

Number of Insurance Policy Holders - by Type of Insurance

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 10:27 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 10:27 AM

Policy Holders - Male (%)

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 10:28 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 10:28 AM
-4% QoQ

Policy Holders - Female (%)

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 10:30 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 10:30 AM
4% QoQ

Policy Holders - Urban (%)

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 10:31 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 10:31 AM
-6.0% QoQ

Policy Holders - Rural (%)

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 10:31 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 10:31 AM
6.0% QoQ

Policy Holders - by Provinces

Period
Quarterly
Datapoints
56
Date Modified
23 Sep 2025 10:36 AM
Quarterly
Mar 2010 to Dec 2023
56 23 Sep 2025 10:36 AM

Value of Sum Insured

Period
Quarterly
Datapoints
56
Date Modified
24 Sep 2025 07:03 AM
Quarterly
Mar 2010 to Dec 2023
56 24 Sep 2025 07:03 AM
-6.2% QoQ

Value of Sum Insured - by Type of Insurance

Period
Quarterly
Datapoints
56
Date Modified
24 Sep 2025 07:05 AM
Quarterly
Mar 2010 to Dec 2023
56 24 Sep 2025 07:05 AM

Active Borrowers - by Sector

Period
Quarterly
Datapoints
56
Date Modified
24 Sep 2025 07:15 AM
Quarterly
Mar 2010 to Dec 2023
56 24 Sep 2025 07:15 AM

Value of Sum Insured - by Province

Period
Monthly
Datapoints
56
Date Modified
24 Sep 2025 07:00 AM
Monthly
Mar 2010 to Dec 2023
56 24 Sep 2025 07:00 AM

Value of Sum Insured - Female (%)

Period
Quarterly
Datapoints
56
Date Modified
24 Sep 2025 07:05 AM
Quarterly
Mar 2010 to Dec 2023
56 24 Sep 2025 07:05 AM
No Change

Value of Sum Insured - Male (%)

Period
Quarterly
Datapoints
56
Date Modified
24 Sep 2025 07:06 AM
Quarterly
Mar 2010 to Dec 2023
56 24 Sep 2025 07:06 AM
No Change

Financing Outstanding - Total

Period
Annually
Datapoints
16
Date Modified
04 Sep 2024 10:08 AM
Annually
2007 to 2022
16 04 Sep 2024 10:08 AM
16.2% YoY

Growth in Outstanding Financing

Period
Annually
Datapoints
16
Date Modified
30 Jul 2024 09:40 AM
Annually
2007 to 2022
16 30 Jul 2024 09:40 AM
131.9% YoY

Total Financing To GDP

Period
Annually
Datapoints
16
Date Modified
30 Jul 2024 09:39 AM
Annually
2007 to 2022
16 30 Jul 2024 09:39 AM
-71.4% YoY

Gross Nonperforming Loans (NPLs)

Period
Annually
Datapoints
16
Date Modified
30 Jul 2024 09:42 AM
Annually
2007 to 2022
16 30 Jul 2024 09:42 AM
-37.6% YoY

Micro Loan Growth

Period
Annually
Datapoints
16
Date Modified
30 Jul 2024 05:19 AM
Annually
2007 to 2022
16 30 Jul 2024 05:19 AM
-93.0% YoY