Government 4 Interest-Free Loan Schemes 2025 in Pakistan

In 2025, the Government of Pakistan has once again introduced robust interest free loan systems to support young people, women, farmers, and small business owners. These programs remain built to reduce poverty, endorse small businesses, and help citizens move forward without the burden of interest. The main drive is to create equal opportunities and support economic growth across the republic. Below is the complete and easy director casing eligibility, leaflets, and the online request process.

Quick Information Table

Program Name	Start Date	End Date	Assistance Amount	Application Method
PM Youth Business & Agriculture Loan Scheme	2025	Not announced	Up to Rs. 7.5 million	Online
Kamyab Jawan – Interest Free Loans	2025	Not announced	Rs. 100,000 to Rs. 5 million	Online
Akhuwat Foundation Interest Free Microfinance	2025	Not announced	Rs. 10,000 – Rs. 150,000	Online / Offline
Ehsaas Interest-Free Loan Scheme	2025	Not announced	Rs. 20,000 – Rs. 100,000	Offline (Centers)

What Are Interest-Free Loan Schemes?

Interest-free loan schemes are government supported packages that provide financial assistance deprived of any interest (riba). People only repay the same quantity they borrow. These loans follow Islamic finance values and are designed to support:

Financial inclusion
Small business growth
Women empowerment
Youth development
Poverty reduction

Top 4 Government 4 Interest-Free Loan Schemes 2025 in Pakistan

1. Prime Minister Youth Business & Agriculture Loan Scheme (PMYB&ALS)

The PM Youth Business & Agriculture Loan Scheme supports young entrepreneurs and farmers by offering easy, interest-free, and low-interest loans.

Key Features

Eligibility: Pakistani citizens aged 21–45 (18 years for IT sector)
Loan Amount: Up to Rs. 7.5 million
Category 1 Loans: Up to Rs. 0.5 million are completely interest-free
Repayment Period: 3 to 8 years
Apply Online: pmyb.gov.pk

Required Documents

CNIC
Bank account
Business plan
Educational certificates

2. Kamyab Jawan Program – Interest-Free Loans

The Kamyab Jawan Program is part of the PM Youth Initiative. It focuses on creating employment and supporting young people in starting small businesses.

Highlights

Eligibility: Age 18–45 years
Loan Limit: Rs. 100,000 to Rs. 5 million
Interest Rate: 0 percent to 5 percent based on category
Apply Online: kamyabjawan.gov.pk

How to Apply

Visit the official website.
Register using CNIC.
Fill the loan form and upload documents.
Wait for bank verification and approval.

Partner banks include NBP, SMEDA, and others.

3. Akhuwat Foundation Interest-Free Microfinance

Akhuwat Foundation provides interest-free loans to low-income individuals through its microfinance program.

Scheme Overview

Loan Range: Rs. 10,000 – Rs. 150,000
Interest: 0 percent, no service charges
Focus Areas: Small businesses, education, housing, health
Apply: Nearest Akhuwat branch or akhuwat.org.pk

Eligibility

Pakistani citizen
Must have CNIC
Must have a guarantor
Should have a clean repayment history

Akhuwat has already supported over 5 million families across Pakistan.

4. Ehsaas Interest-Free Loan Scheme (Under BISP / NBP Partnership)

This scheme is part of the Ehsaas Poverty Reduction Program. It helps low-income households start small businesses.

Key Information

Loan Amount: Rs. 20,000 – Rs. 100,000
Interest Rate: 0 percent
Eligibility: Families living below the poverty line
Apply At: Nearest Ehsaas Loan Center or partner bank

Online Registration

Check eligibility at ehsaas.nadra.gov.pk using your CNIC.

Eligibility Criteria for All Schemes

To qualify for these interest-free loan schemes, you must:

Be a Pakistani citizen with a valid CNIC
Be between 18 to 45 years
Have a workable business idea
Not be a loan defaulter
Provide income, residence, or guarantor details

Required Documents

Prepare the following documents:

Valid CNIC copy
Passport-size photos
Address proof
Bank account details
Business proposal
Educational or skill certificates
Guarantor details (if needed)

Step-by-Step Guide to Apply Online

Visit the official website of the loan scheme.
Register using your CNIC.
Fill in accurate personal and financial information.
Upload all required documents.
Submit the form and save your tracking ID.
Wait for SMS or email verification.
Visit the bank or center to receive your loan.

Tips to Increase Loan Approval Chances

Write a simple and clear business plan
Make sure CNIC and documents are updated
Avoid past loan defaults
Provide a guarantor if possible
Track your application regularly

Frequently Asked Questions–Government 4 Interest-Free Loan Schemes 2025 in Pakistan

Can students apply?

Yes. Students can apply for educational or startup loans under PM Youth and Ehsaas.

Are these loans fully interest-free?

Yes. First-tier loans up to Rs. 0.5 million are 100 percent interest-free.

How long does approval take?

Normally 30 to 60 days.

What if repayment is delayed?

Delay may cause legal action or disqualification from future schemes.

Conclusion

Government 4 Interest-Free Loan Schemes 2025 in Pakistan are a strong chance for Pakistanis to start or expand their trades without the stress of interest. Whether you are a student, small agriculturalist, or young tycoon, these schemes can help you move forward with confidence. For the latest updates, always visit the official organization websites.