KalPay Taleem

Study Now, Pay Later

Manage your Education finances stress-free.

KalPay Taleem allows you to split your fee in up to 6 monthly installments through its Shariah Aligned offering

We are leaders in Shariah Aligned Consumer Financing in Pakistan!

You can apply for our loan from any educational institute in Pakistan*

Financing should not be a hindrance to a good FUTURE

Use KalPay Taleem's easy financing solution to fulfill your dreams!

Apply Now ->

Easy and simple process

We can finalize this in 24 hours, we just require a few details and documents

Simple Pricing

We follow Shariah Financing principles and facilitate you at the lowest rates

Up to 4 months of Installment


  • Net of the down payment
  • At least 25% as the downpayment
  • Shariah Aligned

Frequently Asked Questions

What is KalPay Taleem?

KalPay Taleem enables students to split their educational expenses into monthly installments. In partnership with Taleem Finance Company, we aim to eliminate financial barriers for more equitable quality education.

How are installments divided?

A down-payment of anywhere between 25% - 60% is required and the remaining amount is divided in up to 6 monthly installments.

How much time does it take to process the application?

Once the required documents are submitted, the initial decision will be communicated to the customer within 24 hours. The complete process for the application will be completed within 5 working days.

What are the documents required to apply for the installment plan? 

The documents required are:

  1. Proof of Identity (CNIC) 
  2. Proof of Registration with the Educational Institute 
  3. Proof of Financials (Bank Statement for the last 6 months, Salary Slip/Proof of Business)
  4. Proof of Residence
  5.  Utility Bills (Electricity, Gas & Internet)
  6. Fee Voucher

How do I pay the down payment and the subsequent installments?

We allow payments through Bank Transfer, EasyPaisa, and JazzCash.

Can my parent/guardian apply for a loan on my behalf?

Yes, a parent or guardian can also apply for a loan on your behalf.

Can my family member be a guarantor?

In the case that there is only one guarantor, then the guarantor must be a non-blood relation so family members cannot be a guarantor in this case. 

But in case there are two guarantors one of them can be a blood relation, but the other guarantor must be a non-blood relation 

How does KalPay Taleem price its loans?

KalPay is Shariah-Aligned and charges no riba on its products. The customer pays a fixed profit percentage built into the total outstanding amount. This method of financing is Shariah Aligned. The fixed profit percentage varies according to the duration of the loan and the downpayment. The profit margin charged by KalPay is approximately 2.25%.

Is there any other fee?

No, the price revealed in your installment plan is fixed & final, there are no other costs that need to be borne by the customer 

How can I apply for a Taleem loan?

You can fill the form on our website or email us at [email protected]. Our team will reach out to you for a preliminary meeting, collect the documents, share the installment plan and confirm your order!

Am I eligible to use KalPay?

KalPay Taleem is currently operational in Lahore. If you are registered with an educational institute in Lahore, you can avail our service.

What happens in the scenario when a customer defaults?

The entire liability of the loan falls on the guarantor

 Does KalPay Taleem take any collateral against the loan?

No hard collateral is taken against the loan. However, post-dated cheques are submitted by the customer as a form of security.

Have a Query?

Reach out to us!

[email protected] 0328 3044414

KalPay Taleem

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