For fulfilling immediate financial requirements—be it a wedding, hospital bill, house renovation, education, or foreign travel—MCB Bank Limited (Muslim Commercial Bank) provides a safe and convenient Personal Loan facility for salaried personnel in Pakistan. With the support of excellent customer service and an easy process, MCB’s personal loan scheme is one of the country’s most reliable.
In this article, we will guide you through the entire requirements, eligibility, documentation, and major highlights of MCB’s Personal Loan for 2025.
MCB Personal Loan Key Features
Loan Amount: From PKR 50,000 to PKR 2,000,000 (or even more based on eligibility)
Repayment Term: 1 to 5 years
Flexible Installments: Equal Monthly Installments (EMIs)
Quick Approval: Fast processing and less paperwork
No Collateral Needed: Fully unsecured loan
Top-up Facility: After 12 months of regular payments
MCB Bank Limited Eligibility Criteria
To avail an MCB Personal Loan, you need to fulfill the following requirements:
Nationality: Should be a Pakistani citizen holding a valid CNIC
Age Limit:
Minimum: 21 years
Maximum: 60 years (at loan maturity)
Employment Status: Salaried class only
Minimum Income:
Salaried: PKR 25,000/month minimum (MCB account holder preferred)
Job Tenure:
Permanent employee with a minimum tenure of 1 year or more of continuous service
MCB Bank Limited Documents Required
You will have to submit the following documents with your loan application:
CNIC (Computerized National Identity Card) – Original and Copy
2 Recent Passport Size Photographs
Latest Salary Slip / Income Proof
Bank Statement (last 6 months)
Employment Letter or Job Confirmation Letter
Utility Bills (for address verification)
Note: MCB can request additional documents based on your profile.
MCB Bank Limited Loan Processing Time
Generally, MCB takes 5 to 7 working days to process personal loan applications once all necessary documents are received. But the processing may get delayed if the documentation is incomplete or needs extra verification.
MCB Personal Loan Calculator
You may visit the official MCB site and use their Personal Loan Calculator. It assists you in estimating your monthly installment amount as per the loan amount, tenure, and interest rate.
Markup Rate
Markup rates are subject to your credit record and the bank’s prevailing policy. Currently, up to 2025, the anticipated rate of interest is between 22% and 28% per annum, subject to SBP regulations and MCB’s internal risk assessment.
How to Apply for MCB Bank Limited Loan
Apply through:
MCB Branches (Visit your local branch with documentation)
MCB Helpline (Phone 111-000-622 for information)
Online Application through MCB website
Tips to Enhance Loan Approval Opportunities
Keep your credit score healthy
Guarantee your salary is processed through MCB (ideally)
Forward complete documents
Try to avoid other pending loans or overdue credit card bills
MCB Bank Limited Loan 2025
MCB Personal Loan is an excellent financial product for individuals who require easy and assured access to money without having to go through intricate collateral procedures. With comfortable repayment terms and reasonable loan amounts, MCB remains one of the best options for salaried individuals in Pakistan.
Carefully review the terms, monthly payment, and overall repayment before applying. Responsible borrowing helps you stay financially secure.
