for QR.1 saving maximum don't drink in the morning tea coffe at home,bkz office tea coffe is free, you tell me how they will borrow you QRs.12000. i can garunty you never can QRs.12/-
But you never get QRs.12000 at a time one person, you can try your close relative or friends QRs.3000, 2000, 1000 like that.
sorry my friend, i hope you will solve out your problem once.