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Supporting SME Financing

Empowering small and medium enterprises (SMEs) by mitigating credit risk and facilitating access to finance.






Trusted Credit Guarantee Programs
for SME Loans

National Credit Guarantee Company Limited (NCGCL) is Pakistan’s first market-based SME credit guarantee facility, aimed at enhancing SMEs’ access to finance.
Our core objectives include extending financial inclusion and fortifying SME credit penetration. Established in collaboration with Karandaaz, with initial capitalisation provided under the UK Government’s Financial Inclusion Program, NCGCL is dedicated to creating products that de-risk SME financing.
With over 4 million SMEs and an estimated market size exceeding PKR 10 trillion, this initiative is poised to foster economic growth, employment, and development.

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Board Members

Kashif Umar Thanvi
Chairman of the Board
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Ammar Habib Khan
CEO NCGCL
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Amna Shabbir
Board Member
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Ahmed Umair
Board Member
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Faresa Ahsan
Board Member
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Taimoor Ali
Board Member
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Adeeb Ali Mirza
Board Member
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Amjad Mahmood
Board Member
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We’re hiring! See our positions. 😊

Ammar Habib Khan

“We move capital into the blind spots of the economy, not only generating livelihoods in neglected areas but also proving that Pakistan’s greatest potential lies in its untapped ambition. NCGCL endeavors to convert the resilience of this nation into inclusive prosperity.”
CEO NCGCL