About Thardeep Microfinance Foundation
Who we are?
Thardeep Microfinance Foundation – TMF has its origins since 1998 as community loans provider. These loans were given out by Thardeep Rural Development Programme (TRDP) initially in Tharparkar, which extended to other districts of Sindh. By October 2016, TRDP’s Microcredit programme had converted into an independent organization, registered under section 42 of the company’s ordinance 1984 with an equity of Pak Rupees 647 Million. In persuading the SECP regulation requirements, TMF sought NBFC License exclusively to perform as a financial services provider.
The goal of company is to help unbanked/unserved micro-entrepreneurs increase their income through doorstep Microfinance services without tangible collateral. The company provides a variety of financial services to help equip clients with the knowledge and skills required to reduce poverty and drive sustainable development.
News updates
- Thardeep Microfinance Foundation has signed a loan agreement of PKR 750mn with The Bank of Punjab (BOP) under the aegis of Kamyab Pakistan Program (KPP). BOP's Group Chief CIBG, Mr. Farid Ahmed Khan, and Dr. Sono Khangharani, CEO Thardeep signed the agreement.
Through this arrangement, BOP will lend Thardeep a subsidized long term loan facility amounting to PKR 750 million under the Kamyab Pakistan Program. - The National Bank of Pakistan (NBP) hosted a virtual roundtable meeting recently to discuss the issues and challenges facing the non-bank microfinance institutions (NBMFIs) and their customers as a consequence of the economic slowdown due to the Covid-19 pandemic. CEO TMF Dr .Sono Khangharani also participated the meeting.
- KARACHI: Pakistan Mortgage Refinance Company (PMRC) has achieved landmark in its financing with the disbursement of Rs.200 million to Thardeep Microfinance Foundation (TMF)
- Telenor Microfinance Bank partners with Thardeep Microfinance Foundation for advanced Disbursement/Repayment of loans. Pakistan’s leading microfinance institution, Telenor Microfinance Bank, has entered into a partnership with Thardeep Microfinance Foundation (TMF), a leading Pakistani nonprofit working for poverty alleviation, for swift and secure digital disbursals and repayment of credits to the beneficiaries in rural areas of the Sindh province.
- KARACHI: The launch of ‘journey and future outlook’, a unique success story about the situation of Thar Desert, on Saturday attracted representatives of banks, corporate companies, micro credit organisations and a large number of community elders, hailing from the desert. The event, organized by Thardeep Microfinance Foundation (TMF), was held at a local hotel.
TMF Outreach
* As of April 01, 2022
OUR PRODUCTS

Loan Products
TMF designed Loan products specially for low income people to help them for their business and personal use. Most of them rarely have access to financial services. TMF enables them to improve their economic conditions and become a part of the financial inclusion process.For more details

Microfinance Plus+
Thardeep Microfinance Foundation will continue to Create impact Through integrating financial Services with innovation. Microfinance Plus interventions are designed holistically to consider the effect on the entire ecosystem i.e. the market, the institutions and the microfinance clients.For more details
