Prime Minister’s Youth Business & Agriculture Loan Scheme

Interest-free loan scheme has been launched for every Pakistani by Prime Minister Shehbaz Sharif. We’ll tell you how many people in your city have already received loans, and if you haven’t applied yet, apply today through the method we’ll explain. Apply for the loan—you will certainly receive interest-free funds from the government. Apply now from official website Prime minister youth program

Overview — interest free loan scheme

Whether you are a man or a woman, we’ll share city-by-city information on how many people across Pakistan have received loans. You’ll learn the latest details today. If you haven’t applied yet, we’ll show you how to apply; and if you already applied but haven’t received the amount, we’ll show you how to check your status, how much your monthly installment will be, and many other new details about the Prime Minister Youth Loan program. You can also obtain a loan via the Digital Youth Hub app—that is, through the mobile loan application. We’ll explain how to apply through the app or officially through their website. You’ll be informed with complete information in today’s video.

Key Details:

• City-by-city loan distribution updates across Pakistan.
• Guidance for both men and women on how to apply for the loan.
• Step-by-step method to check loan status if you’ve already applied.
• Information on monthly installment amounts and repayment schedule.
• Option to apply through the Digital Youth Hub app or the official website.

The Prime Minister of Pakistan has announced a special loan scheme for unemployed individuals. Under this initiative, men and women aged between 18 to 45 years who wish to start a new business or expand an existing one can obtain an interest-free loan of Rs 5 lakh (Rs 500,000) from the Government of Pakistan. The loan must be repaid within 3 years through easy monthly installments, with no payments required for the first six months.

Additional Information:

• The scheme is open to all provinces of Pakistan.
• Loans are interest-free and aimed at promoting self-employment.
• Applicants can choose between mobile app or official website for applying.

Installment Calculator PM loan 2025

Lastly, if you want to calculate your monthly installment, click on Loan Calculator. Enter how much you have taken and the number of years—1, 2, or 3—you’ll repay. Up to Rs 5 lakh is interest-free with repayment over three years; for larger amounts you can go up to 8 years, but those carry interest. Click Calculate to see monthly and annual installment details. You will get Rs 5 lakh at zero markup; complete details are written here for you to read.

Example setup

Now I’ll first go to the calculator and show you how much your monthly installment would be. This is important.

• Loan amount: Rs 5 lakh.
• Loan period on the portal goes up to 8 years, but select 3 years to remain interest-free. If you select more than 3 years, you’ll have to pay interest.
• Click Calculate, and it will generate the full 36-month schedule.
• With Rs 5 lakh at 0% annual interest over 3 years, the monthly installment comes to about Rs 13,890.

Grace period and repayment adjustment

As I mentioned earlier, the first 6 months require no installment, because the government understands that a new business usually doesn’t generate income immediately. With the 6-month relaxation, you will repay within 30 months; in that case, the installment will be roughly around Rs 15,000 per month—maybe even a bit lower, around fourteen-thousand-something.

Loan amount options and interest

Note: you don’t have to apply for the full Rs 5 lakh; you can apply for less—Rs 1 lakh, 2 lakh, 3 lakh, or 4 lakh. But if you go above Rs 5 lakh, you will pay interest

PM loan scheme stats

Under the Prime Minister Youth Program, a massive number of applicants have shown interest in the loan scheme. So far, about 3,371,000 people have applied across Pakistan. Out of these, 1,135,000 applications are still in process, while 293,000 have been approved, and 287,541 people have already received their loans — totaling approximately Rs 219 billion distributed.

Unfortunately, around 1,943,000 applications were rejected or canceled due to errors in the application process. There are two or three common mistakes that many people make while applying — these will be shared shortly to help you avoid them.

Loan Scheme Categories:

• Tier 1: Up to Rs 5 lakh (interest-free)
  • Most people applied in this category.
  • Majority of approved loans are from this tier.
• Tier 2: Rs 5 lakh to Rs 15 lakh (with interest)
• Tier 3: Rs 15 lakh to Rs 75 lakh (with interest)

Note: Only Tier 1 loans (up to Rs 5 lakh) are interest-free. Loans in Tier 2 and Tier 3 include an interest component.

Who can apply — youth business loan scheme eligibility

Under the Prime Minister Youth Loan Scheme, both new and existing business owners can apply. This program is open to everyone—whether you’re starting a business or already managing one. We’ll also guide you on how to apply, check your application status, and repay your monthly installments after approval.

You don’t need a specific type of business to qualify. Any businessperson from any city or province of Pakistan, male or female, between the ages of 18 and 45, can apply for this scheme.

Eligibility Details:

• You only need a computerized CNIC to apply.
• All Pakistani citizens aged 21 to 45 with entrepreneurial ability are eligible.
• For IT and e-commerce businesses, the minimum age is 18, provided you have a Matric result card.
• You can apply online using either your mobile or PC. Download official Application form here

How to Apply:

1. Open your browser and type “PM Youth Loan”.
2. Click on “PM Loan Scheme – Digital Youth Hub.”
3. The Prime Minister Youth Program loan portal will open, titled “Prime Minister Youth Business and Agriculture Loan Scheme.”
4. Scroll down to view a message from the Prime Minister of Pakistan.
   • It confirms that the age limit is 21–45 years, and for IT/e-commerce businesses, those aged 18 and above can apply.

Important Points Before Applying:

Markup of Maryam Nawaz loan scheme

Under the Maryam Nawaz Loan Scheme, the markup (interest rate) varies according to the loan amount you apply for.

From Rs 1 lakh to Rs 5 lakh, the markup is zero, meaning it’s a completely interest-free loan. If you apply within this range, you’ll receive the full amount without any interest charges.

However, for higher loan amounts, a small markup applies:

• For loans between Rs 5 lakh to Rs 15 lakh, the markup is 5%.
• For loans between Rs 15 lakh to Rs 75 lakh, the markup is 7%.

It’s recommended to apply under the Rs 5 lakh tier because:

1. There’s no markup (interest).
2. The approval chances are significantly higher in this category.

Loan Categories Summary:

• Tier 1: Interest-free loan up to Rs 5 lakh.
• Tier 2: Loan from Rs 5 lakh to Rs 15 lakh (5% markup).
• Tier 3: Loan from Rs 15 lakh to Rs 75 lakh (7% markup).

Tier / Loan Range	Markup (Interest Rate)
Tier 1: Rs 1 lakh – Rs 5 lakh	0% (Interest-Free)
Tier 2: Rs 5 lakh – Rs 15 lakh	5% Markup
Tier 3: Rs 15 lakh – Rs 75 lakh	7% Markup

Only Tier 1 (up to Rs 5 lakh) is completely interest-free; loans in Tier 2 and Tier 3 include interest charges.

Key banks and partner institutions

After opening the link provided in the video description, you’ll reach the official loan application page. Click the “App” button to download the application. If you wish to receive funds via the app, scroll down and select a nearby bank.

Through any branch of State Bank, Alfalah, HBL, Allied, or UBL, you can receive an amount of up to Rs 5 lakh interest-free.

A total of five main banks are included in this scheme. You can choose any of them according to your convenience.

Bank / Institution Name	Details / Role
Bank of Punjab (BOP)	Part of the official loan disbursement network.
National Bank of Pakistan (NBP)	Provides and manages government-backed youth loans.
Askari Bank	Assists in processing and verifying applications.
Habib Bank Limited (HBL)	Supports both online and in-branch applications.
Bank of Khyber (BOK)	Offers regional access for applicants in KPK and nearby areas.

Additional Partner Institutions:

• Akhuwat Foundation
• Microfinance Banks
• NRSP (National Rural Support Programme)
• Aagahi Foundation
• Rural Community Development Programs

Important Instructions:

When prompted to select MFI (Microfinance Institution) name, you can choose options such as NRSP (National Rural Support Programme) or Rural Community Development.

First, select your preferred bank — choose the nearest branch in your city.

You may be referred to HBL, Akhuwat Foundation, NRSP, or other partner programs for verification.

Documents Required to Apply for PM Loan Scheme 2025

To apply for the Prime Minister Youth Loan Scheme, applicants must provide valid identification and basic personal details. The process is simple and fully online.

Every Pakistani citizen aged 21 to 45 with entrepreneurial ability can apply. For IT and e-commerce businesses, the minimum age is 18, but you must have a complete Matric result card.

Required Documents:

Document / Information	Details
Computerized CNIC	Must be valid and verified by NADRA (expired CNICs are not accepted).
Passport-size Photograph	A recent photo in digital format is required.
CNIC Front and Back Images	Clear photos showing CNIC number and date of birth.
Matric Result Card	Only required for IT/e-commerce applicants aged 18.
Educational Documents	Upload result cards if you’ve completed Middle, Matric, Intermediate, Graduation, or Master’s.
Contact Number(s)	SIM(s) must be registered under the applicant’s CNIC.
Business/Home Address	Include province, district, and tehsil. Permanent and current addresses must be clearly mentioned.

Additional Application Instructions:

• Both men and women must have a valid CNIC and a passport-size photo.
• Click the “Apply Now” button on the official portal to access the application form.
• Read all instructions carefully—fields marked with a star (*) are mandatory.
• Complaints or queries can be submitted via the Citizen Portal.
• Enter your name exactly as per your CNIC.
• State your gender, father’s or husband’s name, and marital status.
• Mention your religion and, if applicable, mark “Yes” under the disability section and specify details.
• Provide your educational qualification and any professional skills.
  • If your skill isn’t listed, select “None” or “Other.”
• Enter your current income and monthly household expenses accurately.
• Your address should reflect your actual residence, even if it differs from your CNIC address.

✅ Important: Ensure all details match your official CNIC records to avoid rejection during verification.

How to apply (web/mobile) — prime minister youth loan scheme online apply

To apply for the Prime Minister Youth Business and Agriculture Loan Scheme, follow the steps carefully. Make sure to read all instructions before applying, as the loan approval depends on correctly following these guidelines.

The age limit for applicants is 18 to 45 years. Individuals below 18 or above 45 are not eligible. A 25% quota is reserved for women applicants.

Step-by-Step Process to Apply Online:

1. Open the official link shared in the video description or directly search for “PM Youth Loan” on Google.
2. Click on “PM Loan Scheme – Digital Youth Hub.”
3. The Prime Minister Youth Program portal will open, titled “Prime Minister Youth Business and Agriculture Loan Scheme.”
4. Scroll down to find a message from the Prime Minister of Pakistan:
   • The age limit is 21–45 years, but for IT and e-commerce businesses, people aged 18 and above can also apply.
5. Click the “App” button if you want to download the application.
6. If applying through the web, scroll down and select a nearby bank such as State Bank, Alfalah, HBL, Allied, or UBL to receive the loan (up to Rs 5 lakh interest-free).

If You Previously Applied:

• You’ll see a notification stating that the earlier application phase was paused while the scheme was being reviewed and improved.
• Now, the new phase has been launched, and you must submit a fresh business application on the current portal.
• Once submitted, your new application will be processed on a priority basis.

Application Form Steps:

Step 1: Open the Link and Access the App

After opening the link from the video description, you’ll land on the official page. Click the App button to get the application.

If you want to receive funds via this application, scroll down and choose a nearby bank. Through any branch among State Bank, Alfalah, HBL, Allied, or UBL, you can receive the amount — up to Rs 5 lakh interest-free.

Step 2: Know the Key Banks in the Scheme

Five banks are included in this scheme:
Bank of Punjab, National Bank of Pakistan, Askari Bank, Habib Bank, and Bank of Khyber.
You can select whichever bank you prefer based on your convenience and location.

Step 3: Referred Branches for Receiving Funds

You will be able to receive the amount from any referred branch among the Bank of Punjab, National Bank, Asli Bank, HBL, and Alfalah.
Make sure you choose a branch that is easily accessible to you for future verification or loan disbursement visits.

Step 4: Understand the Instructions Before Applying

Before filling out the application, carefully understand all instructions.
First, select the bank — choose the nearest branch from which you want to take the loan, ensuring it’s within your city limits.

You may be referred to one of the following partner institutions for verification and further process:

• HBL
• Akhuwat Foundation
• Microfinance Institutions
• National Rural Support Program (NRSP)
• Aagahi Foundation

These institutions will verify your details and start the next steps of the loan approval process.

Step 5: Select the MFI (Microfinance Institution) Name

When filling the form, select the MFI name such as:

• NRSP (National Rural Support Programme)
• Rural Community Development

For example, you can choose NRSP as your preferred institution for the process.

Note:

• Applications are processed online only — no physical submission is allowed.
• Ensure that all information matches your valid CNIC records to avoid rejection.
• If applying via mobile, the process is the same as on PC — simply use your mobile browser and follow the same steps.

Filling the application form (field-by-field)

There are some instructions for applying—please read them. All fields marked with a star must be filled. Through the citizen portal, you can submit complaints.

• The applicant should have a valid ID card and a SIM registered against that ID card.
• You must fill the form correctly, and your CNIC must be valid with NADRA.

Enter ID details and select amount

Then enter your ID card number, the ID card issue number, and select whether you need Rs 5 lakh, more than Rs 5 lakh, or Rs 15 lakh.

• I’ll enter an example amount and show you how to fill the form.
• I’ll mention the details of an example application form; enter your details similarly.
  Remember, you will be able to receive the amount from any referred branch among the Bank of Punjab, National Bank, Asli Bank, HBL, and Alfalah. I pressed Enter; after that the form appeared; I closed it.

Bank selection and verification

Understand the instructions for filling the application. First, select the bank—choose the nearest branch from which you want to take the loan, ensuring it’s in your city.

• You may be referred to HBL, Akhuwat Foundation, microfinance, the National Rural Support program, or Aagahi Foundation.
• They will verify you and start the next steps.

Personal identification and CNIC uploads

The applicant will enter the name as per the ID card, upload a passport-size photo, and upload the front and back of the CNIC, showing the ID number and date of birth.

• Enter the valid ID number—remember, expired IDs cannot apply.
• State how many dependents you have.

Personal details and disability

After the ID card issue date, indicate your gender. Write your husband’s or father’s name. Marital status—married or single?

• Your citizenship—Pakistani?
• Your religion is Islam, Alhamdulillah.
• God forbid, if you are disabled—if so, mark “Yes” and state the nature of the disability.

Education and skills

What is your educational qualification? If you have middle, matric, intermediate, graduation, or master’s, remember to upload the result card. If you have more than matric.

• Do you have any skills?
• If you have any skill, write its details; if it’s not in the list, select None or Other.

Address details

Provide your current business and home address. Enter the province, district, and tehsil from which you are applying. If your permanent and temporary addresses are the same, leave as is; otherwise, fill accordingly.

• Where are you presently living?
• Where is your permanent residence?
• If they differ, mention accordingly; if they are the same, indicate that.

Income and contact

It’s not necessary that you live in the same city as on your ID card; your address should match your actual details.

• What is your current income?
• What are your household monthly expenses?
• Enter your phone number(s) with SIM(s) registered to your CNIC.

Business category and loan details overview

For the business category, specify whether you are already running a business, of what category and sector; then provide the business name and details. If you have experience, mention it. Enter your monthly expenses. If you already have business documents, provide those details.

• For loan details, how much do you want to take?
• If you applied for Rs 5 lakh, in how many years will you repay it—three years?
• Enter the desired loan amount, the type of facility, the bank name, your approved limit in rupees, and the monthly installment—check both.

Field-by-field entries

To apply for the Prime Minister Youth Business & Agriculture Loan Scheme, start by selecting your bank (e.g., National Bank of Pakistan) and your MFI name such as NRSP (National Rural Support Programme) or Rural Community Development. Then, enter your applicant name as per CNIC, upload your photo, and attach the front and back images of your CNIC.

Next, fill out your personal details carefully:

Provide your education details, choosing your highest qualification (Matric, Bachelor’s, Master’s, etc.) and optionally upload your degree or transcript. If you are skilled, specify your skill(s). Enter your present address along with province, division, district, and tehsil. If your permanent address is the same, tick “As above.”

Add your primary mobile number, and if available, a secondary contact number. Mention your monthly income and expenses (optional but recommended).

Once all information is filled in, click Save & Proceed. A confirmation message saying “Saved successfully” will appear on your screen.

Business information

Are you starting a new business or is it existing? For example, New Business. Industry category: Agriculture, Manufacturing, or Services (e.g., Services). Business sector: e.g., Educational Services. Sub-sector: e.g., Tuition and Coaching Center. Business name: choose a name—you need to do some homework before applying. Business details: describe what kind of coaching, what level, etc. Experience: how much experience you have in this field. Monthly business expenses.

• You may attach supporting documents (optional).
• Important: Do not enter fake or dummy data. This is a major reason for rejection—about 1.9 million applications were rejected due to incorrect or fabricated information. Do your homework and provide accurate details.
  Click Save & Proceed. You should see it saved successfully.

Loan size

Enter the amount needed (e.g., Rs 5 lakh) and loan period (3 years). Click Save & Proceed.

Existing loans

Have you taken a loan elsewhere? If you’ve defaulted before, you likely won’t get this loan.

• But don’t hide information: if you have existing loans, provide facility type, bank name, approved limit, outstanding amount, and monthly installment.
• If you haven’t taken any, you can ignore this section.

Submit

Tick the two checkboxes. Click Submit.
You’ll see: “Your application has been submitted successfully. The concerned bank will contact you soon.” If shortlisted or approved, the bank you selected will contact and call you.

City-wise approvals and examples

First, let us tell you which cities people have applied from and how many applications have been approved so far. For example, in Rahim Yar Khan, how many people applied and how many were approved. If you want to check the list for every city, we’ll give you the link in the video description. You can open it and check city-wise details—how many people are eligible, how much they have received, as well as details of submitted applications.

Read the city-wise details first. Many people say, “We aren’t getting the loan in our city.” That’s not true. From every province and city of Pakistan, people are applying under this loan scheme and receiving funds successfully through the official application.

For example, from what I’ve seen in Gujranwala—Gujranwala is “high alert”; many applications have been approved quickly there, and many are still pending. You can check city-wise progress in the following table:

Province/Region	City	Application Status	Remarks
Punjab	Gujranwala	High approval rate	Many applications approved quickly; several pending
Punjab	Rahim Yar Khan	Active approvals	Applicants receiving funds
Punjab	Muzaffargarh	In process	Approvals ongoing
Punjab	Bihari	Limited approvals	Some pending
Punjab	Jhang	Active approvals	Steady progress
Punjab	Sargodha	In process	Approvals expected soon
Punjab	Bahawalpur	Active	Applications under review
Punjab	Khanewal	Processing	Many new applications
Punjab	Okara	Moderate approvals	Some pending cases
Punjab	Rawalpindi	Active	Several approved, others under process
Punjab	Attock	Moderate	Applications under review
Nationwide	All Provinces (Punjab, Sindh, KPK, Balochistan, GB, AJK, Federal)	Eligible	Applicants from all cities can apply

As mentioned, Gujranwala is currently showing a strong approval ratio. This isn’t being highlighted because I’m from Gujranwala, but because many applicants visit my office for guidance, and Alhamdulillah, we help them check their documents, explain the process, and guide them on how to apply properly so their loans are approved.

If you want to apply, first check the city list details. You can open the official links for all regions — Punjab, Sindh, Khyber Pakhtunkhwa, Balochistan, Gilgit-Baltistan, Azad Jammu & Kashmir, and the Federal area — to view detailed information such as city names, approved applicants, amounts received, and pending applications.

Tracking your application — pm loan scheme tracking

Remember to carefully review all the details you have provided to ensure they are correct—no mistakes.

• When your representative conducts verification, any issue will cause problems if your records can’t be verified properly.

Open Track Application

Once your application is submitted and you confirm that all details are accurate, your next step is to click Track Application.

• After that, a form opens for those who already applied.

Enter details and submit

Enter your CNIC number, mobile number, CNIC issue date, and date of birth, then submit.

Processing time

Note that the process takes about 43 days—within this period you will receive a response—or not—and you can check your application status here.

Tracking your application

Tracking your application:

• Go back to the home page and click “Track Application.”
• Enter your CNIC number, mobile number, CNIC issue date, and date of birth, then click Submit.
• You’ll see your application with color-coded boxes:
  • Green: Your data has been verified by NADRA.
  • Yellow: NADRA has not yet verified your data—wait a bit.
  • Red: Your application has been rejected; you won’t be able to get the loan from here.

If your status stays Yellow, submit a complaint through the Citizen Portal app. After some time, NADRA will verify your data, then your details will go to the bank. When the bank reviews your application, if it is approved, you’ll receive a call from the bank.

Critical instructions and pro tips

If you submit your application and there’s any issue with your records or if you don’t fill the form correctly, then even if your loan is approved, you will not receive the funds after verification. It’s extremely important to ensure all information is accurate and matches your CNIC details.

All fields marked with a star (*) must be filled. The applicant must have a valid CNIC and a SIM registered against that CNIC. You can also submit complaints through the Citizen Portal if required. Make sure your CNIC is valid with NADRA and the form is filled correctly.

Before submitting your application, carefully review all details you’ve provided. Any incorrect information can cause issues during verification, and the bank representative may not be able to confirm your records properly.

Important guidelines and pro tips:

• Do not enter fake or dummy data. Around 1.9 million applications were rejected because of incorrect or fabricated details.
• Applications are accepted only online — no physical submissions are allowed.
• Only Pakistani citizens can apply; overseas applicants are not eligible.
• Government employees cannot apply for themselves but may assist a sibling or another person.
• There is no education requirement — anyone from primary to PhD level can apply.
• Keep your mobile phone active at all times because you may receive a call from the bank for verification or further processing.

By following these points carefully, you’ll increase your chances of approval and avoid rejection due to simple mistakes.

What to do if not approved

If your loan application is not approved, don’t worry—there’s a proper process to check your application status and take the right action. The government has made it easy to track your progress under the Prime Minister Youth Business & Agriculture Loan Scheme, ensuring transparency for all applicants.

To track your application, go back to the home page and click “Track Application.” Then follow these steps:

• Enter your CNIC number, mobile number, CNIC issue date, and date of birth, and click Submit.
• You’ll see your application status displayed with color-coded boxes:
  • Green: Your data has been verified by NADRA.
  • Yellow: NADRA has not yet verified your data — wait a little longer.
  • Red: Your application has been rejected; you won’t be able to get the loan through this portal.

If your status remains Yellow, submit a complaint through the Citizen Portal app. After some time, NADRA will verify your data and forward your details to the bank. Once your bank reviews and approves your application, you’ll receive a call from the bank to continue the process.

The overall review process usually takes about 43 days, during which you’ll either receive a response or can keep checking your application status online.

Regarding existing loans:
If you’ve already taken a loan from another institution and defaulted, there’s a high chance your application will not be approved. However, you must always provide truthful information—never hide details. If you have existing loans, mention the facility type, bank name, approved limit, outstanding amount, and monthly installment. If you haven’t taken any loan before, you can simply leave this section blank.

By following these instructions carefully and staying transparent, you can easily track your progress and improve your chances of receiving funds under this scheme.

Support and guidance (pm youth loan scheme helpline)

If you need support or guidance while applying for the Prime Minister Youth Loan Scheme, you can directly contact the official support team via WhatsApp. Many applicants face issues while filling out the form or understanding the process, so these contact numbers have been provided to assist you.

Below are the official PM Youth Loan Scheme WhatsApp helplines you can contact for help:

Helpline Type	WhatsApp Number
Helpline 1	0309-0001982
Helpline 2	0342-7467134
Helpline 3	0325-8127549

You can contact any of the above numbers for guidance regarding your loan application, eligibility, or any technical issue during form submission. Whether you’re from Punjab, Sindh, Balochistan, Khyber Pakhtunkhwa, or Gilgit Baltistan, these helplines are available for all applicants across Pakistan.

If you’re looking for detailed step-by-step help, updates, and tutorials about this scheme, you can visit the YouTube channels mentioned in the content. These channels regularly share updates when new applications open, when loan approvals start, and when banks begin calling applicants.

• VS Online — Provides updates about government schemes, loan programs, and funding opportunities.
• Education Updates (by Abbas Chaudhry) — Shares information about PM Youth Loan Scheme approvals, upcoming government initiatives, and official instructions for applicants.

Both channels also share details about overseas visa jobs, foundation loans, mobile loan applications, and other bank loan schemes.

Make sure to subscribe to these channels and press the bell icon so you don’t miss important announcements, such as the start of loan approvals or bank verification calls.

Lastly, keep your mobile phone active—don’t keep it on silent or switched off—because once your application is processed, the bank may contact you anytime for verification or approval confirmation.

Final reminders — Government of Pakistan loan scheme

Also remember: if you have already applied, we’ll show you how to check whether your application was approved; and if it was not approved, what actions to take. If you follow the information we provide in today’s video, you will receive the funds. “Employment for youth, prosperous Pakistan.” Any questions about the Prime Minister Youth Business & Agriculture Loan Scheme from the government will be answered in today’s video.

Frequently Asked Questions