Harvester provides Muccadum Services (custodians of pledge) to banks and financial institutions, offering expert collateral management with a focus on integrity and professionalism.


We specialize in the secure handling, assessment, and monitoring of pledged assets, including stock assessment, concealment detection, sampling, and counting. Our experienced team ensures the safety and usability of collateral, providing reliable oversight and protecting the interests of financial institutions.


Trusted by leading banks and financial institutions across Pakistan, Harvester is committed to delivering efficient, transparent, and effective pledge management services, while upholding the highest standards of integrity and professionalism.

Our hiring is being done with proper referrals and after strict scrutiny. The system set by us is to ensure proper control of Muccadum sites. Our site staff is always in touch with the respective offices, of their area, on daily basis. That’s how they report and receive instructions. Supervisory staff make spot checks on regular basis. Strict measures with proactive approach along with our vast experience in managing a large variety of goods help us in safeguarding Banks’ interest from both legal and practical perspective. It would be contextual to mention here that, we always promote culture of fair play under any circumstances. Any intentional foul play by our staff is taken very seriously and we have zero tolerance policy implemented forsuch actions, if any.

In the process of handling the pledge stocks, our Godown Staff have been trained to always be vigilant, not only to ensure the safety but also the usability of stocks. In certain instance where ever we observe that long time has passed, without movement of stock. We promptly alert the Bank to impress upon the borrower to replace the old stock with fresh one. At the same times, on Bank’s request, we also take out random samples of old stock. Feedback of pledged stocks to the Banks, resultantly always helps the Banks to safeguard theirinterest.

We take pride in saying that, we are capable of handling all types of commodities. Which can be gauged from diversity of the names of clients and financial institutions, where we are enlisted as Muccadum (custodian of pledge stocks).

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