dear its not necessary to start a business on smeda feasibility you can prepare your own feasibility in regard to your idea no matter its start with small amount with 5,6lac

Qarz e hasana, it is interest free. Rs. 5lacs

i am facing difficulty to find the guarantor are anybody else facing the same problem. no one is willing to give the guarantee.

maine kisi say guarantee denay walo k baray me suna hai k unko following baato par pura utarna chahiye.

guarantee kay account me Qarzay se ziada paisay honay chahiye.
guarantee dainay wala bank ko apnay cheque dega.
aur guarantee dainay walay ki mudat e mulaazmat Qarz ki miyad say ziyada honi chahiye.

__________________
Insaan ki sab say Barhi TAQAT Uski Sab se Barhi KAMZORI Hoti hai.

thanks
but I come to know that its only the very first year of the loan,that its interest free,after a year onwards one has to pay interest also!
is it so?
i mean realy !
"interest FREE loan"

Guys try to avoid taking such loans which are based on interests. Everyone knows very well that it is forbidden, and everyone needs money, halaat he aisy hain par jahan tk hoskay to avoid karain aisy loans. Please koi bura na maanen mein sirf apko minds mein wo baat refresh krna chahta tha jo already ap ko achi tarah pata hai. Sirf ye dunia nahi, Allah ko jawab bhi dena hai, baqi koi bhi is dunia mein gunahon se paak nahi, par jitna hosaky utna bachna to chahiye at least. Ap log loan nahi lengy to govt discourage hogi or kal ko aisy schemes k bajaey koi interest free schemes lay k aengy. Anyways, don't mind please, Allah sb k halaat behtr farmaey ta k iski zarurat bhi na aye. Ameen

__________________
"Whomever Allah guides, no one can misguide, and whomever Allah misguides, no one can guide." Al-Qura'an.

Can anyone share the official statement about the guarantors ? How much money should they have, who can be a guarantor, is it necessary that the money of the guarantor be in a bank etc etc. There are rumors everywhere and i have not come across any official stuff to clear myself.

The usury could have been avoided by linking the loan to dollar or gold prices.

i want to know about the feasibility reports;have we need to attach the prepared feasibility reports by smeda or we need to prepare new feasibility reports..like if i want to start the business of footwar retail outlet,do i need to prepare new business plan of my business or to download the feasibility report of smeda related to footwear retail outlet?

__________________
i do not believe in taking right decisions, i take decisions and make them right....M.A Jinnah

firstly i will tell you there are 2 types of guarantor
1 govt servant with bps 15 or above
2 non govt
in case of govt guarantor 3 blank cheqs properly signed by guarantor are required and all other formaility is taken by gurontor and he will take permission from the respective govt dept. here no need to have enough amount in the account because bank will recover loan from there pension fund.
now in case of non govt guarantor it is necessary you guarantor have 30 lack in the account for the loan of 20 lack means 1.5 time more for the applied loan.

in the end this loan is not for the poor people of pakistan.
in recent days now one is ready to give the guarantee for 100000 rupees for the brother. the game is on for industrialist not for the poor people of pakistan which is highest in term of share of pakistan.
for middle class they can take loly pop not pm loan