💸 Top 5 Government Loan Schemes for Youth in Pakistan 2025 – Apply & Start Your Business
With rising unemployment and inflation, government loan schemes in Pakistan have become a lifeline for youth who want to start their own businesses. In 2025, both the federal and Punjab governments are offering multiple easy loan programs with low markup, long repayment plans, and no collateral.
In this blog, we’ll cover the top 5 most popular youth loan schemes in Pakistan that you can apply for today!
🟢 1. PM Youth Business & Agriculture Loan Scheme 2025 (PMYB&ALS)
✅ Launched by: Government of Pakistan
✅ Loan Amount: Rs. 0.5 lakh to Rs. 7.5 million
✅ Interest: 0% – 7%
✅ Eligibility: Age 21–45, valid CNIC, business plan
✅ Repayment: Up to 8 years
✅ Apply Online: https://pmyp.gov.pk
> 📌 This is the most comprehensive youth loan with 3 tiers. Tier 1 loans are interest-free.
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| “Top 5 Youth Loan Schemes in Pakistan 2025 |
🟢 2. CM Punjab Rozgar Scheme 2025
✅ Launched by: Chief Minister Punjab (via Punjab Small Industries Corporation – PSIC)
✅ Loan Amount: Rs. 100,000 to Rs. 10 million
✅ Markup: 4% (low cost)
✅ Eligibility: Punjab domicile, age 20–50
✅ Sectors: Retail, services, e-commerce, agriculture
✅ Apply Online: https://rozgar.psic.punjab.gov.pk
> 📌 Ideal for youth, women entrepreneurs, and freelancers.
🟢 3. Akhuwat Islamic Microfinance Loan
✅ Launched by: Akhuwat Foundation
✅ Loan Amount: Rs. 10,000 to Rs. 150,000
✅ Interest: 0% (Qarz-e-Hasna)
✅ Eligibility: Must show business potential & honesty
✅ Apply: Visit nearest Akhuwat branch
✅ Website: https://www.akhuwat.org.pk
> 📌 This loan is Shariah-compliant and designed for low-income youth.
🟢 4. Punjab E-Taxi Scheme Loan (2025)
✅ Launched by: CM Punjab + Bank of Punjab
✅ Purpose: Buy electric bike or E-taxi (Uber/Careem)
✅ Loan Amount: Up to Rs. 500,000
✅ Markup: 0%
✅ Installments: Rs. 5,000–10,000/month
✅ Eligibility: Must be unemployed youth in Punjab
✅ Application Mode: Through PITB portal (Coming Soon)
> 📌 Green solution + rozgar = great opportunity for students & unemployed drivers.
🟢 5. Women Entrepreneurship Loan – State Bank Initiative
✅ Target: Young women & housewives
✅ Loan Amount: Rs. 100,000 – Rs. 5 million
✅ Markup: Subsidized (2%–5%)
✅ Apply Via: Banks (UBL, HBL, NBP, etc.)
✅ Training Offered: Business support programs
> 📌 Encourages women-led startups, especially in education, health & online businesses.
👉 Also Read: CM Punjab Rozgar Scheme 2025 – Online Apply, Eligibility & Benefits
👉 Also Read: Best Freelancing Skills to Learn in 2025 (Pakistan Guide)
❓ FAQs – Youth Loan Schemes in Pakistan 2025
Q1: Which is the best government loan for starting a business?
The PM Youth Loan Scheme offers up to Rs. 7.5 million with low markup and flexible repayment.
Q2: Is there any interest-free loan for students or fresh graduates?
Yes, Akhuwat and Tier 1 of PMYB&ALS offer 0% interest.
Q3: Can women apply for these loans?
Yes, all schemes are open to women, with special incentives under the SBP Women Loan.
Q4: Do I need collateral or a guarantor?
Most micro-loans don’t require collateral, but you may need a guarantor.
Q5: How can I apply online for Punjab Rozgar Scheme?
Visit https://rozgar.psic.punjab.gov.pk and fill out the form.
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