We take pride in sharing that all of our products targeting the entire education ecosystem have become Shariah Compliant underlining the significance of Islamic financing by focusing on fairness, transparency and ethical investments. TFCL recently partnered with Al Hamd (our Shariah Consultants & Advisors) and organized comprehensive training sessions on Shariah compliant products across all its offices. The active participation of the staff was exceptional and going by the feedback that we have received, we are confident that our team will deliver the best in class Shariah compliant education financing services to all beneficiaries across the network.

TFCL's, Head of Internal Audit, Ms Rabia Fida recently conducted a comprehensive visit to our Multan Branch to review operational controls, assess compliance levels, and evaluate the overall effectiveness of processes. The engagement included branch level walkthroughs, staff discussions, field visits, and independent verification of selected disbursed clients to assess documentation integrity, utilization of funds to assess the real impact of TFCL’s loan disbursements at the grassroots level. Focused testing was performed to evaluate compliance with applicable regulatory requirements. The review also assessed control effectiveness in our disbursement processes, exception management and monitoring mechanisms to safeguard portfolio quality while ensuring regulatory alignment. Continuous monitoring and on-ground validation remain critical to strengthening our risk culture and ensuring sustainable impact from our work on the education ecosystem.

In today’s highly integrated business environments Cybersecurity and related topics cannot be considered as an optional skill rather an essential element of control framework strengthening. Rising to the challenge, TFCL recently held a couple of informative and highly interactive training sessions on Cybersecurity for its Management and General staff. These were customized trainings aiming at identifying current system’s vulnerabilities, monitor security checks and controls to create awareness amongst employees on how to mitigate the risks of compromised cybersecurity. These were detailed and fruitful sessions that enabled TFCL employees to recognize the challenges and threats associated with cybersecurity.

The Taleem Finance team is proud to share that as Industry pioneers we have already served around 4,000 education institutions including the eco system clients till Dec 2025. This represents a cumulative disbursed amount of more than PKR 2 Billion, with PAR 30 at 2.3% and PAR 90 of less than 1%. None of this would have been possible without Clarity of Purpose, the Dedication of our Team, and the Trust of our Clients. We believe that these outcomes have further established our leadership position as the only dedicated education finance company catering to the entire eco system. 2025 proved to be a milestone year for TFCL as we expanded our network in new markets and also hit the operational sustainability mark with much vigour and commitment to continued excellence. We look forward to carrying on this momentum in 2026 and beyond. A glimpse of the impact from our work is given hereunder.

We are delighted to announce that our Senior Manager Internal Audit, Rabia Fida, has been selected as a Mentor for the Institute of Internal Auditors (IIA) Emerging Leaders Mentorship Program 2025-2026. This prestigious global program pairs experienced audit professionals with rising talent from around the world — and we are proud that Rabia will be mentoring participants from Japan, Brunei, and Bangladesh this year. Rabia’s dedication, expertise, and commitment to strengthening the internal audit profession have always been exemplary, and this recognition reflects her leadership on an international platform. Congratulations, Rabia, on representing Pakistan and Taleem Finance Company Ltd with excellence. We wish you great success as you support and guide the next generation of internal audit leaders.

We are pleased to share that TFCL's CEO, Mr. Kamran Azim will be participating as one of the panelists in the upcoming webinar. He will be sharing his insights and experiences on Driving Growth Through Inclusive Education Finance.

The Chairman of the Board of Taleem Finance Company Ltd, Mr Amjad Arbab led an insightful discussion on Microfinance in rural and challenging markets, with Dr Sono Khangharani (CEO Thardeep Microfinance) and Mr Masood ul Mulk (CEO SRSP) at the AMC 9 in Karachi. Critical aspects of rural finance that have stayed unaddressed related to policy, staffing, product design and use of technology were highlighted by these industry experts. Mr Arbab also gave examples of the Afghanistan Microfinance sector and drew practical correlations for implementation by our practitioners.

The CEO of Taleem Finance Company Ltd, Mr Kamran Azim, presented thought provoking arguments in the opening grand debate related to the avoidance of mission drift in the sector. He presented a 4 R's model which emphasised;

1. Refreshing the cause of each entity from top to base

2. Recognising the problems and addressing them.

3. Redoing what has worked rather then reinventing the wheel

4. Reaching out to each other for collaborations.

He also gave very apt references to the Holy Quran which also sheds divine light on how the only way to avoid loss or drift is to be a people who spread peace, do purposeful actions of service for each other, council each other on the truth and advise tolerance when faced with adversity.

TFCL’s management firmly believes that in today’s challenging business environment the key to continuous success lies in the capacity building of our teams. We recently conducted a training program on “Productivity Enhancement” of our School Development Executives in collaboration with Opportunity International (OI) EduFinance. It was attended by TFCL’s branch leaders and supervisory role holders in both HO and field. The program was specifically designed to equip these talented resources on mentoring / coaching their sales field force by focusing on effective communication with clients, soft skills improvement, TAT, overdue management and risk assessment. Update on the procedural interventions were also highlighted that aim to help the sales field force work at a faster pace with increased enthusiasm and credibility. TFCL recognizes its staff as the true assets and is committed to investing in their growth and development initiatives.

Wishing each citizen of our Nation a very Happy Independence Day! TFCL celebrated 14th August across all its offices by remembering the spirit of sacrifice, resilience and unity of our ancestors which resulted in the formation of our precious Motherland, Pakistan.

Wishing each citizen of our Nation a very Happy Independence Day! TFCL celebrated 14th August across all its offices by remembering the spirit of sacrifice, resilience and unity of our ancestors which resulted in the formation of our precious Motherland, Pakistan. Every Taleem team member participated passionately in discussions and activities inspiring us to dream big and contribute in building a brighter future for Pakistan by taking education quality improvement initiatives for the whole education eco system through our customized financial products. Pakistan zindabad! At TFCL we not only focus on bringing the best out of every individual professionally by mentoring and holding capacity building activities but also putting in sincere efforts for making each team member a better human being.

At TFCL we not only focus on bringing the best out of every individual professionally by mentoring and holding capacity building activities but also putting in sincere efforts for making each team member a better human being. As a formal monthly engagement with the entire Taleem team, today, Mr. Kamran Azim, CEO, TFCL shared his thoughts on the key factors for improving Personal Productivity by making each moment count. The session took place at our newly established and elegantly designed, Taleem Learning Center (TLC) at Gulberg, Lahore.

At TFCL we not only focus on bringing the best out of every individual professionally by mentoring and holding capacity building activities but also putting in sincere efforts for making each team member a better human being. As a formal monthly engagement with the entire Taleem team, today, Mr. Kamran Azim, CEO, TFCL shared his thoughts on the key factors for improving Personal Productivity by making each moment count. The session took place at our newly established and elegantly designed, Taleem Learning Center (TLC) at Gulberg, Lahore.

Mr. Salman Akram (Lead ESG / Head Of HR, TFCL) recently participated in an exclusive interactive session on "Building Sustainable & Responsible MFP / NBFC through Environmental, Social and Governance (ESG) Integration." The workshop comprised of insightful discussions and active engagement from senior leaders representing MFPs & NBFCs across Pakistan. It also highlighted fundamental ESG principles that can be positively used for the progression of institutional strategies. ESG frameworks, compliance expectations and practical applications of ESG were also demonstared through this truly impactful workshop. At TFCL we are very particular about the implementation of the ESG framework in all facets of our work and this workshop will help us in enhancing these efforts.

The Chairman of the Board of Taleem Finance, Mr. Amjad Arbab participated as a panelist on the topic of Cross Border Alliances, at the Global Financial Inclusion Training in Baku, Azerbaijan. He used the example of TFCL to demonstrate the advantages that can be obtained by leveraging on experiences of regional peers in key strategic decisions. His thought-provoking information triggered an interesting discussion on this topic.

We are excited to announce the official opening of our newly established branch at Peshawar. This marks TFCL's entry in the province of KPK. Till date, team Taleem has successfully facilitated thousands of its valuable education eco system clients from its multiple branch offices in Punjab. The Chairman of the Board, Mr Amjad Ali Arbab, the CEO, Mr Kamran Azim and the senior management were present at the occasion to celebrate the achievement of this major milestone. With the addition of this new branch office in Peshawar our enthusiastic and experienced team is fully geared to cater to the needs of this untapped segment through customized Shariah Compliant Financial Solutions for Educational Institutions (EIs) as well as Educational Value Chain (EVC) clients.

Click below to view LinkedIn feed!

On completion of 5 successful years, TFCL is pleased to share a documentary video showcasing the remarkable success stories of some of our Educational Institutes (EI) and Education Value Chain (EVC) clients. The video also highlights the commitment and dedication of our Branch and Head office teams showcasing how they overcame challenges and obstacles with focus, resilience and perseverance. We are sure this will inspire many and at the same time keep our teams motivated on successfully contributing to the cause of education quality.

Click below to view LinkedIn feed!

The Opportunity International EduFinance team including Mr. Lukas Wellen (Director Financial Products) and Ms. Ommara Raza Ali (Senior Advisor Education Financial Products) recently visited our head office and branch offices. During their visit they interacted with TFCL's pioneer team members and all functional heads. The objective of this visit was to review the overall effectiveness and consistency of prevailing operational procedures and assessment of the established policies and protocols. They also aimed at benchmarking current practices with international best standards and identifying areas for improvement resulting in enhancing the organizational efficiency and productivity. Observations of procedural adherence in real-time operation and focused group discussions with both; staff and clients were the key features of these interactive and condusive sessions lasting for a period of almost one week. We are looking forward to more collaborative work with Opportunity International in the near future.

We take immense pride in sharing that TFCL has recently signed an agreement with Opportunity International (OI) - EduFinance (Ommara Raza Ali) to partner in enhancing the productivity of the sales team. This will include the benchmarking of TFCL's current procedures with the best international practices in the EduFinance sector and introducing AI initiatives in further strengthening the quality of the existing high standards of performance. This strategic collaboration marks a pivotal step towards the achievement of long-term sustainability and growth at the same time enabling us to serve our clients in the education eco system with much more conviction. We also extend our gratitude to the Insitor team (Bradley Kopsick, Zoya Zaidi) for believing in us and backing this strategic partnership, which will further equip us for delivering impactful outcomes by supporting a larger number of deserving.

We take immense pride in sharing that TFCL has recently signed an agreement with Opportunity International (OI) - EduFinance (Ommara Raza Ali) to partner in enhancing the productivity of the sales team. This will include the benchmarking of TFCL's current procedures with the best international practices in the EduFinance sector and introducing AI initiatives in further strengthening the quality of the existing high standards of performance. This strategic collaboration marks a pivotal step towards the achievement of long-term sustainability and growth at the same time enabling us to serve our clients in the education eco system with much more conviction. We also extend our gratitude to the Insitor team (Bradley Kopsick, Zoya Zaidi) for believing in us and backing this strategic partnership, which will further equip us for delivering impactful outcomes by supporting a larger number of deserving.

We are delighted to announce the launch of our latest Shariah Compliant products that are designed to fulfil the financial needs of our valued clients in the education eco system with complete satisfaction of Shariah based rules. With this, now, over 85% of our product offerings are compliant with Islamic principles and Shariah laws. TFCL is fully committed to serving its valuable clients through products which are aligned with our Islamic values and beliefs.

In order to achieve the highest standards of quality in its operations, TFCL is committed to enhancing the capacity of its Compliance and Risk function. In line with this commitment, Mr. Muhammad Hammad Rashid, Senior Manager Compliance and Risk attended a 3-day training titled “Microfinance Enterprise Risk Management (mERM)” program conducted by PACRA and PMN. The training program offered a 360-degree view of various components of the Risk Management Ecosystem, equipping participants with the knowledge and skills needed to develop and implement effective risk management to navigate in the evolving landscape of retail financial institutions.

Mr Ramesh Singh Arora, Minister for Minorities, Govt of Punjab and the founder of Mojaz Foundation visited Taleem Finance to meet our CEO to discuss matters of mutual interest for the betterment of the sector and education financing space.

Mr. Muhammad Asif Shamsi (Head Of Operations; TFCL) recently represented TFCL at the Global Education Finance Conference 2024 held in Tanzania. It was an enriching experience where education finance, in particular, was the focal point of discussions and the leaders across the globe shared insightful observations, facts and experiences that are contributing to the future of affordable education. Mr. Muhammad Asif was a part of an interactive panel discussion on the very relevant aspect of education financing; using environmental improvements in affordable schools as a risk mitigation tool.

Mr. Salman Akram (Head Of HR; TFCL) recently attended an event on the topic of Climate Resilience and how role of the lending institutions through financial solutions can bolster climate resilience to overcome such challenges through specific efforts for the affected areas cleints. The event was arranged by GIZ (German Cooperation). The initiatives taken in the last one year through funds provided by GIZ for making a significant impact on climate adaption across Pakistan were discussed and appreciated.

Taleem Finance Company Limited (TFCL) team takes immense pride in sharing an exciting news with all its stakeholders. We have attained the credit ratings of A2 (Short Term) & BBB (Long Term) despite being an early stage entity to be included in the list of best in class NBFCs and a testament to our institutional stability and growth potential. The credit ratings were issued by VIS Credit Rating Company Limited, a well reputed and credible rating agency. These ratings further strengthen TFCL’s resolve to providing customised financial solutions to the entire education ecosystem while adhering to highest levels of transparency and robust risk assessment mechanisms. We remain committed to being the leaders in making a measurable impact on the education landscape of Pakistan through our financial and non financial services for this highly ignored segment.

We are pleased to announce that TFCL has now opened its branch at Gujranwala to provide customized education finance solutions to the residents of the city and its suburbs which are not only famous for their love for quality food but also for their passion to improve the literacy rate of their future generations. TFCL team resolves to meet the multiple expectations of our clients through its Shariah compliant and conventional financial products.

TFCL is pleased to become a signatory to “The Orange Bond Initiative” to pledge its commitment to enhancing the focus on gender equality in all key aspects of the business. Through this, TFCL aims to be a part of the collective action that helps build a gender empowered education financing company for the benefit of all the stakeholders in the education eco system.

With the direction clearly set and goals proactively alligned with TFCL's vision, by the leadership, it makes achieving professional milestones comparatively straightforward. TFCL team celebrates getting the Digital Lending App License from SECP. Our Taleem Connect App will enable more stakeholders in the education eco system to avail our financial services with ease and in lesser time.

Taleem Finance Company Limited’s (TFCL) management team met with the Forman Christian College (FCC) senior leadership today to discuss future collaborations. Dr. Jonathan S. Addleton (Rector, FCC) and Mr. Kamran Azim (CEO, TFCL) appreciated each others efforts that have been rendered in the field of education and explored how both entities can come together to ease the financial burden and remove obstacles that students face while opting for Education Financing. Ease of financial access to the deserving students was the focal point of the discussion. Mr. Muhammad Asif Shamsi (Head Of Operations, TFCL), Ms. Masooma Akbar (Senior Operations Analyst, TFCL) and Mr. Furqan Seith Mall (Chief Financial Officer, FCC) were also present at the occasion and shared their thoughts.

Mr. Kamran Azim, FCA, CEO Taleem Finance Company Ltd recently gave a thought provoking and insightful session on “𝗙𝗼𝗿𝗺𝘂𝗹𝗮𝘁𝗶𝗼𝗻 & 𝗜𝗺𝗽𝗹𝗲𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻 𝗼𝗳 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆” at the 73rd Directors' Training Program (DTP) in Lahore. He shared practical guidance with the audience, which he has gained from over two decades of dynamic leadership exposure and adeptly demonstrated how strengthening the focus on the “Why” of an entity and then executing a strategy with an Infinite mindset can enable the future directors to achieve new heights of excellence in their own Journeys as well as the direction setting of Entities they are leading.

The Taleem Finance Team is looking forward to an impactful partnership with EduFi. We share a common goal of ensuring every child in Pakistan gets access to quality education.