PTCL Group is doubling down on digital finance as it pours fresh capital into its microfinance arm. The company has approved a Rs15 billion ($53 million) investment in U Microfinance Bank Limited, signaling a major push to scale digital banking and expand financial access across Pakistan.
Pakistan Telecommunication Company Limited, the parent of U Microfinance Bank, described the move as one of the largest equity injections ever made in Pakistan’s microfinance banking sector. The funding is designed to support long-term growth while accelerating the bank’s digital platform development.
The bank has already received the first tranche of the investment. According to the press release, PTCL Group injected Rs4 billion on December 31, 2025, marking the formal start of the capital rollout.
Hatem Bamatraf, Chairman of U Microfinance Bank and Group Chief Executive Officer of PTCL Group, said the decision reflects the Group’s broader focus on financial inclusion and innovation. He added that the investment reinforces confidence in the bank’s digital transformation strategy and its ability to strengthen Pakistan’s microfinance ecosystem.
Meanwhile, U Microfinance Bank President and Chief Executive Officer Tooran Asif said the backing from PTCL Group and the State Bank of Pakistan comes at a critical time. He noted that the bank is preparing to enter the next phase of its digital transformation in 2026.
Tooran Asif explained that the strategy focuses on expanding digital capabilities. It also includes launching new financial products and services. These efforts aim to widen access for customers across the country and support a more inclusive financial system.
