Pakistan’s leading digital microfinance bank, Mobilink Bank has entered into a strategic partnership with IMARAT Group, one of the country’s premier real estate conglomerates, to enhance access to housing finance, and drive economic empowerment through technology-driven banking solutions.

Pakistan currently faces a housing crisis, with World Bank estimates placing the housing shortage at around 12 million units. The situation is further aggravated by declining affordability, rising property prices, and higher mortgage rates. Mobilink Bank simplifies access to housing finance by offering inclusive, customer-centric solutions that enable low-income and underserved households to secure affordable and dignified homes. The bank’s partnership with IMARAT will revolutionize the home loan experience for their shared customers and employees by digitizing the entire mortgage journey, expanding banking access across IMARAT developments, and onboarding IMARAT employees into Mobilink Bank’s comprehensive digital banking suite. 

The housing finance customers will experience a fully digital onboarding process through IMARAT’s Propmex.ai platform, supported by API integration between IMARAT and Mobilink Bank for seamless property verification. IMARAT will also feature Mobilink Bank’s Mortgage Calculator across its digital platforms, allowing customers to assess affordability and access real-time home financing options.

Mobilink Bank will extend its Employee Banking Suite to IMARAT employees to provide them with salary accounts, digital banking services, insurance coverage, and exclusive financial benefits. Additionally, IMARAT employees will gain access to preferential loan products, including House Finance, Personal Loans, and Solar/EV Loans, designed to promote financial well-being and sustainable living. IMARAT Group will reciprocate by opening corporate banking accounts with Mobilink Bank and maintaining substantial current account balances to support mutual business growth.

To foster digital access and enablement, Mobilink Bank will also install ATMs and Cash Deposit Machines (CDMs) at IMARAT’s commercial projects to encourage cashless transactions. The partnership will also expand Mobilink Bank’s merchant ecosystem by deploying Point-of-Sale (POS) machines across IMARAT malls, brands, and retail outlets, driving digital payment adoption and supporting MSME growth.

Speaking on the occasion, Atta-ur-Rehman, Chief Business Officer, Mobilink Bank, said, “Mobilink Bank is deeply committed to empowering individual and institutional clients through customized financial solutions, digital banking tools, and technology-driven integrations. Pakistan’s housing gap is not just a statistic, but a barrier to dignity, stability, and economic mobility for millions of families. We are committed to breaking this barrier by making housing finance more accessible, affordable, and inclusive through a deep focus on empowering every household to step into a safer, more secure future. Our collaboration with IMARAT will bring us closer to our long-term ambition.”

Shafiq Akbar, Chairman IMARAT Group, said, “This partnership with Mobilink Bank is a major step toward digitizing how real estate operates in Pakistan. We have always believed that technology has the power to simplify every part of the property journey, from buying and selling to financing. Through this collaboration, we are bringing that vision to life by making home ownership easier, smarter, and more accessible while paving the way for a more connected and financially inclusive future.”

The collaboration underscores Mobilink Bank’s leadership in digital banking, housing finance, and employer banking solutions, and reaffirms its commitment to catering to the evolving financial needs of its diverse customer base.

Islamabad, May 15, 2025: Pakistan’s largest digital microfinance institution, Mobilink Bank and Fatima Fertilizer, a leading player in Pakistan’s agricultural sector, have entered into a strategic partnership to digitally empower Pakistan’s underserved farming communities through enhanced access to finance and financial technology. The collaboration aims to uplift the country’s agri-community by digitizing the agricultural supply chain and providing targeted financial solutions through the integration of Mobilink Bank’s ‘Dost App’ and Fatima Fertilizer’s ‘Sarsabz Pakistan’ platform.

This partnership brings together two leaders in their respective sectors, with a shared commitment to transforming rural livelihoods. The alliance will unlock new opportunities for the farming community, and agri-based small and medium enterprises (SMEs) by combining Mobilink Bank’s inclusive financial products with Fatima Fertilizer’s strong grassroots presence in order to drive social mobility.

As part of this collaboration, farmers will be able to access a wide range of Mobilink Bank’s financial products and services, including agri tubewell financing, input lending, passbook financing, as well as digital banking through the seamless integration of the Dost App with the Sarsabz Pakistan platform.

In addition, the partnership will also focus on equipping farmers with essential financial literacy skills to help them make informed financial decisions. These offerings will be delivered not only through digital channels but also via on-ground engagements, including joint farmer community gatherings with Mobilink bank and Fatima Fertilizer designed to raise awareness, generate leads, and encourage the adoption of financial tools.

“Agriculture is the backbone of Pakistan’s economy, and its progress is vital to our national prosperity,” said Haaris Mahmood Chaudhary, President and CEO of Mobilink Bank. “This strategic integration of our Dost App with the Sarsabz Pakistan App by Fatima Fertilizer is a leap toward building a future-ready, digitally inclusive agri-ecosystem. By simplifying access to finance for agri-inputs, we’re not just digitizing lending; we’re empowering farmers, strengthening rural economies, and paving the way for sustainable growth.”

Also sharing his thoughts, Asad Murad, Chief Operating Officer, Fatima Fertilizer Company Limited, added, “At Fatima Fertilizer, we are deeply committed to enhancing the lives of farmers through innovation, accessibility, and collaboration. Our partnership with Mobilink Bank reflects a shared vision to drive financial inclusion and strengthen the agricultural ecosystem. By integrating digital finance with our Sarsabz Pakistan platform, we are not only bridging critical gaps in agri-input financing but also enabling long-term socio-economic growth in rural communities.”

Mobilink Bank and Fatima Fertilizer’s joint efforts will extend beyond service delivery, contributing to broader financial inclusion goals through farmer education, digital access, and rural entrepreneurship development. The collaboration will not only empower the farmer community in the agri sector but also contribute to the Pakistan’s agri economy.

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