Sarmaya Story

We’re unwavering in our commitment to this mission, and love building products and services that prove to change the industry for the better is, in fact, Possible.


Financial inclusion of low income, unbanked and disadvantaged segments of the society by providing easily accessible financial services at an affordable cost by leveraging innovative digital technologies

Our Mission is to deliver financial solutions

“Sarmaya Microfinance Private Limited is a leading Microfinance Institution in Pakistan, that offers a wide range of innovative financial services by leveraging state-of-the-art technology, enabling customers to access financial services instantly on anytime, anywhere.”

Sarmaya Microfinance primarily focuses on micro entrepreneurs in view of developing their micro and small businesses on a sustainable basis. At a broader level Sarmaya Microfinance taps into the frequent credit needs of middle and lower middle class by offering instant credit & cash as and when needed.


To be the leading player in providing access to finance, enabling the low-income population to improve their quality of life through bridging their financial gaps and supporting micro and small-sized enterprises meeting their financing needs.


Provide relevant and high-quality financial services to lower income population and MSMEs in a sustainable way with market driven innovative products and services, adopting best practices, leveraging innovative technologies, and by encouraging and raising the efficiency of highly qualified staff who entrusts in Sarmaya’s vision

Investors & Partners