20 NBP Advance Salary FAQ - NBP
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Advance Salary

Q. What is NBP Advance Salary Loan?
A. NBP Advance Salary is a personal loan facility to salaried individuals for their payment of personal needs & expenses.

Q. Who can apply for NBP Advance Salary Loan?
A. NBP account holders who are permanent employees of federal/provincial government, semi government & autonomous bodies and receiving their salaries through NBP can avail this loan.

Q. What is the Age Criteria for NBP Advance Salary?
A. Maximum age of the customer at the time of maturity of the finance should not exceed 59 years and six months.

Q. Is there any minimum income and collateral requirement to apply for NBP Advance Salary?
A. No minimum income & Collateral requirement.

Q. What is the maximum limit of NBP Advance Salary Loan?
A. You can avail a maximum limit up to Rs. 3,000,000/-, subject to debt burden requirement i.e. not more than 40% of the net disposable income.

Q. What is the tenure for NBP Advance Salary Loan and What is the mode of repayment?
A. Flexible tenure maximum up to 4 years and monthly installments will directly be recovered by debiting your Salary Account maintained with NBP.

Q. Is there any requirement of References?
A. Yes, two references of work colleagues are required (same or higher grade). The references may have their salary account in any bank.

Q. What is the applicable mark-up rate on NBP Advance Salary?
A. Mark-up rate @ 22% Fixed (per annum).

Q. Can I avail Rollover/Enhancement Facility? Is there any benefit for existing customers?
A. Yes, the existing Advance Salary customers can avail the Rollover/Enhancement facility with good repayment history at any time after four (04) months of full adjustment of loan.

Q. What is the processing Fee/other Charges for NBP Advance Salary?
A. The charges will be the following:


Processing Fee

For Fresh Customers: Rs.2,000/- or 2% of loan amount whichever is higher, subject to maximum ceiling of Rs.20,000/- (plus FED)

For Rollover Customers: Rs.2,000/- or 2% of net fresh/enhanced amount whichever is higher, subject to maximum ceiling of Rs.20,000/- (plus FED)

Early Payment Charges

2% of adjustment amount + FED

Documentation & Legal Charges

At Actual

Q. What are the required documents for NBP Advance Salary?

A. Following are the documents required at initial stage and our authorized 3rd party agent collects documents from the customer: 

  • Copies of CNIC of Applicant and References
  • Copies of Employee ID Card of applicant and References
  • Last 3 months Salary Slip/Certificate.
  • Customer Undertaking
  • Employer Undertaking
  • PEP Undertaking

Q. How can I apply for NBP Advance Salary Loan?
A. You can apply online through accessing the Application Form @ NBP’s Web Portal wwww.nbp.com.pk or by visiting your nearest NBP branch.

Q.. How will I be informed about acceptance of my Loan Application?
A. A. Once the Loan Application is submitted online, our Call Centre Agent will contact you and will confirm the details before proceeding to register your Application:

For any further assistance please visit our website i.e. www.nbp.com.pk or call NBP help line @ 021-111-627-627


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