PM Youth Loan Scheme 2025 – Apply Online at pmyp.gov.pk | PMYB&ALS Business & Agriculture Loan

The Government of Pakistan has introduced the PM Youth Loan Scheme 2025 under the Prime Minister’s Youth Business and Agriculture Loan Scheme (PMYB&ALS) to support young Pakistanis in turning their business dreams into reality. This program offers interest-free and low-markup loans through 15 partner banks, making it easier for youth to start or expand their businesses without facing financial barriers.

In simple words, this scheme is a golden opportunity for students, fresh graduates, freelancers, and small business owners who want to create something of their own but lack the capital. Whether you want to open a small shop, invest in agriculture, or launch an IT startup, PM Youth Loan Scheme 2025 gives you the financial boost to make it happen.

In this complete guide, you’ll learn who can apply, how to apply online, loan tiers, eligibility, benefits, and repayment details — everything explained in practical way.

BISP Kafalat New Cluster Payment Method 2025 – Check Your Payment & Cluster

The BISP Kafalat New Cluster Payment Method 2025 has officially started across different districts of Pakistan. This new payment system was launched to make the Benazir Income Support Programme (BISP) more organized, transparent, and easy for beneficiaries. Many people were confused about where to collect their payments or why their payments were delayed. The new…

Read More BISP Kafalat New Cluster Payment Method 2025 – Check Your Payment & Cluster

NSC Rates Pakistan October 2025 | Latest National Savings Profit Rates

As of October 2025 (based on the September 2025 revision), the National Savings Schemes (NSC) in Pakistan are offering profit rates between 9.92 % and 13.58 %. The Defence Savings Certificate now offers 11.42 % per annum, while the Short-Term Savings Certificate stands at 10.42 %, according to the Central Directorate of National Savings (CDNS).…

Read More NSC Rates Pakistan October 2025 | Latest National Savings Profit Rates

Open Market Currency Rates Today | Dollar, Dirham & Global Exchange Rates in Pakistan 2025

As of today, the open market currency rates in Pakistan show the US Dollar trading at around PKR 282, the UAE Dirham at PKR 76.70, and the Saudi Riyal at PKR 75.00. These rates are set by money exchangers and fluctuate based on foreign exchange demand and global market conditions. The open market rate is…

Read More Open Market Currency Rates Today | Dollar, Dirham & Global Exchange Rates in Pakistan 2025

Bank AL Habib Islamic Profit Rates 2025 – Latest Monthly & Senior Citizen Updates

Karachi (October 2025): The latest Bank AL Habib Islamic profit rates have been updated for October 2025, offering attractive returns for both regular savers and senior citizens. As one of Pakistan’s leading Islamic banks, Bank AL Habib continues to provide Shariah-compliant saving and investment options that deliver stable monthly profits without interest-based mechanisms. Bank AL…

Read More Bank AL Habib Islamic Profit Rates 2025 – Latest Monthly & Senior Citizen Updates

1 Tola Silver Price in Pakistan Today | Latest Chandi Rate 2025 Update

The 1 tola silver price in Pakistan today is a key indicator for investors, jewellers, and buyers looking to trade or purchase precious metals. Silver, known locally as Chandi, continues to be a popular choice due to its affordability and investment potential. This article provides today’s updated silver rates across Pakistan, including per tola, 10…

Read More 1 Tola Silver Price in Pakistan Today | Latest Chandi Rate 2025 Update

Leopard Courier Tracking Pakistan – Check Parcel Status Online 2025

Leopard Courier tracking Pakistan is one of the most searched services among online shoppers and businesses across the country. Whether you ordered something online or sent a parcel through Leopards Courier, tracking helps you stay updated on your shipment’s exact location and delivery time. In this guide, we’ll explain how to track Leopard Courier parcels…

Read More Leopard Courier Tracking Pakistan – Check Parcel Status Online 2025

Open Market Currency Rates in Pakistan Today | Dollar, Euro, and Pound Rate Update

The open market currency rates in Pakistan change daily based on international demand, foreign inflows, and economic activity. Knowing the latest dollar, euro, and pound rates helps individuals, travelers, and businesses make informed financial decisions. This article covers today’s exchange rates, including open market, interbank, and State Bank of Pakistan (SBP) updates. Today’s Open Market…

Read More Open Market Currency Rates in Pakistan Today | Dollar, Euro, and Pound Rate Update

HMRC Exchange Rates 2025 October 21 – Official Monthly Update & Self-Assessment Guide

HMRC Exchange Rates 2025 October 21 have been officially published by HM Revenue & Customs for businesses and individuals who need to convert foreign currency into British pounds for customs, VAT, or self-assessment purposes. These rates are used across the UK to ensure fair and consistent currency conversion for imports, exports, and tax reporting. If…

Read More HMRC Exchange Rates 2025 October 21 – Official Monthly Update & Self-Assessment Guide

Today Update: Bullion Rates Today in Pakistan – Latest Gold & Silver Prices Per Gram and Tola

If you’re planning to buy or sell gold or silver in Pakistan, knowing the latest bullion rates is essential. Bullion rates represent the current market prices of precious metals, including gold and silver, which fluctuate daily due to international market trends, currency exchange rates, and local demand. In this guide, we’ll share today’s bullion rates…

Read More Today Update: Bullion Rates Today in Pakistan – Latest Gold & Silver Prices Per Gram and Tola

Today Update: Pakistan Post International Rates 2025 | Parcel & EMS Charges per KG

The Pakistan Post international rates 2025 have been updated to make global shipping faster and more affordable for individuals and businesses. Whether you’re sending documents, gifts, or commercial parcels, Pakistan Post offers reliable delivery options to the UK, USA, Middle East, and other destinations. This guide covers the latest per-kg rates, EMS services, and contact…

Read More Today Update: Pakistan Post International Rates 2025 | Parcel & EMS Charges per KG

Benazir Kafalat 13500 Digital Wallet November 2025 Payment Release & Eligibility Update

The Benazir Kafalat 13500 Digital Wallet program has brought great relief to thousands of families across Pakistan. In November 2025, the Benazir Income Support Programme (BISP) officially began releasing the new Rs. 13,500 payment through digital wallets. This latest update ensures faster, transparent, and more convenient payments for all registered beneficiaries. Overview of the Benazir…

Read More Benazir Kafalat 13500 Digital Wallet November 2025 Payment Release & Eligibility Update

BISP 8171 Phase 2 District Payment List November 2025 – Complete Payment and Withdrawal Guide

BISP 8171 Phase 2 payments for November 2025 have officially started across several districts in Pakistan. The Benazir Income Support Programme has released the latest installment of Rs. 10,500 for registered beneficiaries under the Benazir Kafalat program. This new phase covers multiple districts across Punjab, Sindh, KPK, and Balochistan, allowing eligible women to receive their…

Read More BISP 8171 Phase 2 District Payment List November 2025 – Complete Payment and Withdrawal Guide

BISP 8171 JazzCash Payment 2025 – Registration & Cash Withdrawal Process

The BISP 8171 JazzCash Payment 2025 is the latest initiative by the Benazir Income Support Programme to make receiving government aid simple and digital. Under this new system, eligible beneficiaries can get their Rs. 13,500 installment directly in their JazzCash account without visiting payment camps or facing long queues. This step is part of the…

Read More BISP 8171 JazzCash Payment 2025 – Registration & Cash Withdrawal Process

Good News: CM Punjab Launched Livestock Scheme Free Cows & Buffaloes for Rural Women 2025

The Livestock Scheme Free Cows & Buffaloes for Rural Women 2025 is one of the most promising government initiatives aimed at improving the lives of women in villages. This scheme helps rural women become financially independent by providing free cows and buffaloes to start dairy farming and boost the local economy. It’s part of a…

Read More Good News: CM Punjab Launched Livestock Scheme Free Cows & Buffaloes for Rural Women 2025

How to Check CNIC Online for 8171 Ehsaas Program 25000 BISP Registration – Latest Update 2025

The Ehsaas Program 25000 BISP is a flagship welfare initiative by the Government of Pakistan, created to support families struggling with poverty and inflation. Through this program, eligible households can receive Rs 25,000 in financial aid after verifying their details using the 8171 CNIC online check system. This article explains everything you need to know…

Read More How to Check CNIC Online for 8171 Ehsaas Program 25000 BISP Registration – Latest Update 2025

CM Punjab Electric Bicycle Scheme 2025: Balloting, Verification & Delivery Updates

After weeks of anticipation, the CM Punjab Electric Bicycle Scheme 2025 has officially progressed beyond the registration stage. According to the latest updates from the Punjab Government, the scheme’s Phase 1 has now entered the verification and balloting stage, moving one step closer to the distribution of e-bikes to successful applicants. This comprehensive guide covers…

Read More CM Punjab Electric Bicycle Scheme 2025: Balloting, Verification & Delivery Updates

BISP 8171 Tracking Portal Update 2025 | Check CNIC Eligibility & Payment Details

The 8171 Tracking Portal is the official online system introduced by the Benazir Income Support Programme (BISP) for citizens of Pakistan to check their eligibility, payment status, and registration details from the comfort of their homes. Through the 8171.bisp.gov.pk tracking portal, users can easily verify whether their CNIC is eligible for the current BISP 2025…

Read More BISP 8171 Tracking Portal Update 2025 | Check CNIC Eligibility & Payment Details

Punjab Socio-Economic Registry Portal 2025 – Online Registration at www.pser.punjab.gov.pk (Complete Guide)

The Punjab Socio-Economic Registry (PSER) Portal 2025 is an official initiative launched by the Punjab Information Technology Board (PITB) and the Government of Punjab to collect updated socio-economic data of households across the province.Through the www.pser.punjab.gov.pk registration portal, citizens can update their household information, verify their data, and become eligible for various government welfare and…

Read More Punjab Socio-Economic Registry Portal 2025 – Online Registration at www.pser.punjab.gov.pk (Complete Guide)

PITB Portal Asaan Karobar Registration – Complete Online Business Setup Guide

The PITB Portal Asaan Karobar Registration is a revolutionary initiative launched by the Punjab Information Technology Board (PITB) to simplify business registration in Punjab. Through this one-stop digital platform, entrepreneurs and business owners can register their companies, obtain licenses, and complete legal documentation online — all without visiting multiple government offices. If you’re planning to…

Read More PITB Portal Asaan Karobar Registration – Complete Online Business Setup Guide

BISP 8171 October 2025 Payment Details – Check New Eligibility Status and Registration

The BISP 8171 October 2025 Payment has officially started under the Benazir Kafaalat Program, providing financial assistance of Rs. 10,500 to eligible women and families across Pakistan. The new installment is being released in different phases, and beneficiaries can check their payment details online through the 8171 web portal or via SMS. This article explains…

Read More BISP 8171 October 2025 Payment Details – Check New Eligibility Status and Registration

BISP Disqualified Persons Review 2025 – Full Guide for Re-Registration and Eligibility Check

The Benazir Income Support Programme (BISP) has long served as a lifeline for millions of low-income families across Pakistan. Designed to reduce poverty and empower women, the program provides direct financial aid to deserving citizens. However, over the years, several individuals were disqualified from receiving BISP benefits due to data mismatches, ineligibility, or verification issues.…

Read More BISP Disqualified Persons Review 2025 – Full Guide for Re-Registration and Eligibility Check

BISP 8171 Payment Status Check Offline – Updated 2025 Complete Guide

If you live in Pakistan, you already know how important the Benazir Income Support Programme (BISP) has become for millions of families. For many, that monthly message from 8171 brings real relief — groceries, school fees, or just some peace of mind. But not everyone can go online or use complicated websites to check their…

Read More BISP 8171 Payment Status Check Offline – Updated 2025 Complete Guide

Five Types of People Are Disqualified Under Apni Chat Apna Ghar Scheme | Government of Punjab

The Government of Punjab has shared important eligibility updates for applicants of the Apni Chat Apna Ghar Scheme 2025, a low-cost housing project aimed at providing affordable homes to deserving citizens. While thousands of families have applied, the government has officially announced that five types of people are disqualified from availing the benefits of this…

Read More Five Types of People Are Disqualified Under Apni Chat Apna Ghar Scheme | Government of Punjab

BISP New Double Payment 25000 – Check Benazir Kafalat Installment by CNIC on 8171 Web Portal

The Benazir Income Support Programme (BISP) has announced a new double payment of Rs 25,000 under the Benazir Kafalat 2025 installment. This major update comes as part of the government’s ongoing commitment to support low-income families struggling with inflation and rising living costs. Beneficiaries can now check their BISP double payment online using their CNIC…

Read More BISP New Double Payment 25000 – Check Benazir Kafalat Installment by CNIC on 8171 Web Portal

Today’s Gold Price in Pakistan – 24 Carat Per Tola (Updated 2025)

The gold price today in Pakistan for 24 carat per tola continues to attract strong attention from investors and jewellery buyers. As of the latest market update, the price of 24K gold per tola stands around Rs 446,300, with variations in major cities including Karachi, Lahore, Islamabad, and Peshawar. Gold remains one of the most…

Read More Today’s Gold Price in Pakistan – 24 Carat Per Tola (Updated 2025)

Last Chance: Apply for PM Electric Bike Scheme October 2025 Before Deadline

The Prime Minister’s Electric Bike Scheme 2025 has officially extended its application date until the end of October 2025. This final reminder is for all eligible students and young citizens who have not yet applied for the electric bike distribution program. The government announced the extension to give more students an opportunity to apply online…

Read More Last Chance: Apply for PM Electric Bike Scheme October 2025 Before Deadline

Big News: BISP Hiring Banks for Payment Disbursement 2025 – Digital Payment System Update

The Benazir Income Support Programme (BISP) has officially begun the process of hiring banks for payment disbursement in 2025. This move aims to make cash transfers faster, more transparent, and accessible to millions of beneficiaries across Pakistan. Under this new system, BISP will partner with multiple commercial and microfinance banks to improve efficiency in delivering…

Read More Big News: BISP Hiring Banks for Payment Disbursement 2025 – Digital Payment System Update

CM Punjab Ration Card 2025 Apply Online – Check Eligibility & Registration Guide

The CM Punjab Ration Card 2025 is one of the latest welfare initiatives by the Government of Punjab, introduced under the leadership of Chief Minister Maryam Nawaz Sharif. This new social relief program aims to help low-income families manage their monthly grocery expenses amid record inflation. Through the ration card, deserving families across the province…

Read More CM Punjab Ration Card 2025 Apply Online – Check Eligibility & Registration Guide

8171 PMT Score Check by CNIC 2025 – BISP & Ehsaas Eligibility Online Guide

Every year, thousands of families across Pakistan apply for BISP and Ehsaas Kafalat programs to receive financial support. But many people get confused when they hear about the PMT Score or Poverty Score — a key factor that decides whether you’re eligible for government aid or not. If you’ve ever wondered “How can I check…

Read More 8171 PMT Score Check by CNIC 2025 – BISP & Ehsaas Eligibility Online Guide

How to Use 8171 Web Portal 2025–26 – Easy Guide for BISP Beneficiaries

In Pakistan, thousands of families depend on the Benazir Income Support Programme (BISP) and Ehsaas Kafalat to manage basic household needs. The Government has made it easier than ever through the 8171 Web Portal 2025–26, where citizens can check eligibility, apply for financial aid, and track payments — all online. Still, many people remain confused…

Read More How to Use 8171 Web Portal 2025–26 – Easy Guide for BISP Beneficiaries

How to Withdraw BISP 8171 Cash Payment from ATM 2025 – Step-by-Step Guide

The BISP 8171 cash payment process has become much easier in 2025, especially after the government’s new digital banking partnership with HBL and Bank Alfalah. Thousands of women across Pakistan can now withdraw their Benazir Kafalat amount directly from ATMs without standing in long queues. However, many beneficiaries still feel confused about how the ATM…

Read More How to Withdraw BISP 8171 Cash Payment from ATM 2025 – Step-by-Step Guide

Agosh Program Punjab 2025 – Mothers to Get Rs. 38,000 | Eligibility & Registration Guide

Good news for mothers across Punjab! The Government of Punjab has officially launched the Agosh Program Punjab 2025, a financial aid scheme that provides Rs. 38,000 to pregnant and lactating women for better nutrition, healthcare, and child support. This initiative, launched under the Punjab Social Protection Authority (PSPA), ensures that low-income women get timely medical…

Read More Agosh Program Punjab 2025 – Mothers to Get Rs. 38,000 | Eligibility & Registration Guide

CM Punjab Laptop Scheme 2025 – Apply Online on Official Website | Eligibility & Portal Guide

The CM Punjab Laptop Scheme 2025 is once again making headlines among students in Punjab. This time, the program is designed to digitally empower bright students enrolled in colleges and universities across the province. Through this government free laptop program, eligible students can receive modern laptops to enhance their education, online learning, and freelancing skills.…

Read More CM Punjab Laptop Scheme 2025 – Apply Online on Official Website | Eligibility & Portal Guide

Breaking News: Punjab Schools Winter Timings 2025 Announced | Latest Schedule Starts from October 20

Lahore (Latest Update – October 2025): The Punjab School Education Department has finalized the new winter school timings for all government and private schools across the province. According to official sources, the revised schedule has been sent to Chief Minister Maryam Nawaz Sharif for final approval, and is expected to take effect from October 20,…

Read More Breaking News: Punjab Schools Winter Timings 2025 Announced | Latest Schedule Starts from October 20

How to Apply for Apni Chat Apna Ghar Scheme 2025 | Online Registration Pakistan

Every Pakistani family dreams of having a house they can call their own — a safe space where they can live with dignity and comfort. With rising property prices and inflation, this dream often feels far away. That’s exactly why the Government of Pakistan launched the Apni Chat Apna Ghar Scheme 2025, a powerful initiative…

Read More How to Apply for Apni Chat Apna Ghar Scheme 2025 | Online Registration Pakistan

BISP Payment Verification Process Tehsil Offices 2025 – Complete Guide for Beneficiaries

If you’re a registered or new applicant under the Benazir Income Support Programme (BISP), verifying your payment details through Tehsil Offices is one of the most important steps to ensure your funds are released on time. In 2025, BISP has improved its payment verification process by connecting it directly with NADRA and the National Socio-Economic…

Read More BISP Payment Verification Process Tehsil Offices 2025 – Complete Guide for Beneficiaries

BISP 2025 Payment & Taleemi Wazaif – Check CNIC Status & Online Balance

In 2025, the Benazir Income Support Programme (BISP) has made it easier than ever for families to check their payment status, CNIC balance, and Benazir Taleemi Wazaif details online. The program now operates through a more transparent and digital system, ensuring that every eligible woman and child receives their support without hassle. If you’re one…

Read More BISP 2025 Payment & Taleemi Wazaif – Check CNIC Status & Online Balance

Benazir Kafaalat 2025 New Payment | Check CNIC & Online BISP Balance (Verification Guide)

If you are part of the Benazir Income Support Programme (BISP) and waiting for your new Benazir Kafaalat 2025 payment, this guide is exactly for you. Many people in Pakistan still don’t know how to confirm whether their latest installment has been released or how to check their CNIC balance online. Here you’ll learn everything…

Read More Benazir Kafaalat 2025 New Payment | Check CNIC & Online BISP Balance (Verification Guide)

BISP 8171 Result Check Online by CNIC 2025 – New 13,500 Payment Update

Good news for BISP beneficiaries! The Benazir 8171 program has announced its latest 13,500 rupees payment for 2025, and families can now check their result online through CNIC. This update helps ensure transparency and quick access to financial aid under the government’s social welfare plan.In this article, you’ll find complete details about BISP result checking,…

Read More BISP 8171 Result Check Online by CNIC 2025 – New 13,500 Payment Update

Benazir Kafalat Phase 4 Payment Update 2026 – Check Eligibility & Payment Details

The Benazir Kafalat Program (BISP) continues to support millions of families across Pakistan, and now the Phase 4 payments for 2026 are being released gradually. This new phase aims to ensure that all eligible women and families receive their financial assistance through verified biometric channels for transparency and security. In this updated guide, you’ll learn…

Read More Benazir Kafalat Phase 4 Payment Update 2026 – Check Eligibility & Payment Details

BISP 8171 CNIC Verification Through NADRA 2025 – Official Process & Status Check

If you’re receiving help from the Benazir Income Support Programme (BISP) or Ehsaas Kafalat, you’ve probably heard about CNIC verification through NADRA. This isn’t a new policy, but an ongoing process to make sure that only genuine, deserving families continue to receive financial aid. In this verified guide, we’ll explain how to check your BISP…

Read More BISP 8171 CNIC Verification Through NADRA 2025 – Official Process & Status Check

8171 Check Online CNIC – BISP & Ehsaas Program Payment Status 2025 (Full Guide)

The 8171 Check Online CNIC system has made it incredibly easy for millions of Pakistanis to verify their BISP and Ehsaas Program payments from the comfort of their homes. Whether you’re waiting for the new installment of Rs. 13,500 under Benazir Kafalat or trying to confirm your registration status, the official 8171 web portal is…

Read More 8171 Check Online CNIC – BISP & Ehsaas Program Payment Status 2025 (Full Guide)

Benazir Taleemi Wazaif 2025 Payment Withdrawal Update – Bank, ATM & Digital Wallet Guide

The Benazir Taleemi Wazaif 2025 initiative continues to support thousands of deserving students across Pakistan, ensuring they can pursue education without financial hurdles. In October 2025, the government has made new updates to how beneficiaries can withdraw their Taleemi Wazaif payments — now introducing bank transfers, ATM withdrawals, and digital wallet options for easier access.…

Read More Benazir Taleemi Wazaif 2025 Payment Withdrawal Update – Bank, ATM & Digital Wallet Guide

Breaking News: 31 Countries Offer Visa-Free Entry to Pakistanis in 2025 | Full Updated List

ISLAMABAD (Friday, October 2025) – The Pakistani passport has experienced a slight drop in its global ranking, falling from 96th to 103rd position in the latest Henley Passport Index 2025. Despite the decline, Pakistani citizens can still enjoy visa-free or visa-on-arrival access to 31 international destinations across Asia, Africa, the Caribbean, and the Pacific Islands.…

Read More Breaking News: 31 Countries Offer Visa-Free Entry to Pakistanis in 2025 | Full Updated List

Today News: Gold Prices in Pakistan Near Rs. 500,000 Per Tola After Massive Single-Day Gain 2025

Gold prices in Pakistan have once again hit record highs, with rates approaching the Rs. 500,000 per tola mark after a historic single-day jump. According to the All Pakistan Gems and Jewellers Sarafa Association (APGJSA), the local gold market saw an extraordinary surge on Friday, October 17, 2025, in line with global bullion trends. Whether…

Read More Today News: Gold Prices in Pakistan Near Rs. 500,000 Per Tola After Massive Single-Day Gain 2025

Benazir Kafaalat 13,500 Payment Date Announced – Check Details (2025 Update)

The Benazir Kafaalat Program is one of Pakistan’s most important financial support initiatives, helping millions of low-income women and families across the country. In 2025, the government has increased the quarterly payment amount to Rs. 13,500, providing extra relief against rising inflation. If you’re wondering “When will the Rs. 13,500 payment be released?” — this…

Read More Benazir Kafaalat 13,500 Payment Date Announced – Check Details (2025 Update)

Apni Zameen Apna Ghar Program Offline Registration 2025 – Apply via AC Office (Updated Guide)

The Apni Zameen Apna Ghar Program is one of Punjab’s most appreciated housing initiatives, launched to help low-income and landless families own a small piece of land. The scheme offers free 3-marla residential plots to eligible citizens, helping them move toward a secure and independent future. While many applicants use the online system, the government…

Read More Apni Zameen Apna Ghar Program Offline Registration 2025 – Apply via AC Office (Updated Guide)

What is PM Youth Loan Scheme (PMYB&ALS) 2025?

The Prime Minister’s Youth Business and Agriculture Loan Scheme (PMYB&ALS) 2025 promotes entrepreneurship among Pakistani youth by offering accessible loans with minimal markup. The scheme is managed through 15 Commercial, Islamic, and SME banks, ensuring nationwide reach and transparency.

It supports youth from Punjab, Sindh, Khyber Pakhtunkhwa, Balochistan, Gilgit-Baltistan, and Azad Jammu & Kashmir, empowering them to create jobs and strengthen Pakistan’s economy.

Key Features of PMYB&ALS 2025

Here are the core highlights of the PM Youth Loan Scheme 2025:

FeatureDetails
Scheme NamePrime Minister Youth Business & Agriculture Loan Scheme 2025
Target GroupPakistani youth aged 21 to 45 years (18 years for IT/E-commerce)
Loan TypeBusiness and Agriculture Loans
Application ModeOnline only via pmyp.gov.pk
Supporting Banks15 Commercial, Islamic & SME Banks
Collateral RequirementDepends on loan tier
Processing TimeVaries from bank to bank

Loan Categories and Markup Details

Loans are categorized into three tiers based on business size and requirement:

TierLoan Range (PKR)Markup RateSuitable For
Tier 1Up to 0.5 million0% (Interest-Free)Small startups, freelancers, home-based work
Tier 20.5 million – 1.5 million5% MarkupSmall and medium businesses
Tier 31.5 million – 7.5 million7% MarkupExpanding or large-scale businesses, agriculture ventures

Eligibility Criteria for PM Youth Loan Scheme 2025

Before applying, make sure you meet the following requirements:

  • Nationality: Must be a Pakistani citizen with a valid CNIC.
  • Age Limit: Between 21 and 45 years (minimum 18 years for IT or e-commerce ventures).
  • Business Idea: Applicant should have a clear business plan or idea.
  • Residency: Can be from any province of Pakistan.
  • Gender: Open to both men and women (special focus on women entrepreneurs).
  • Education: No specific minimum qualification required, but business understanding is necessary.

How to Apply Online for PM Youth Loan Scheme 2025

The application process is fully digital, meaning you don’t need to visit any bank physically.

Step-by-Step Process

  1. Visit the official website:
    Go to https://pmyp.gov.pk/bankform/newapplicantform
  2. Fill out the online application form:
    Enter your CNIC, personal, and business details.
  3. Select your bank:
    Choose from 15 participating banks including HBL, UBL, Meezan Bank, Bank of Punjab, and others.
  4. Upload required documents:
    You may need:
    1. CNIC front and back copy
    1. Business plan or proposal
    1. Educational certificates (if applicable)
    1. Experience proof (optional)
  5. Submit application online.
  6. Track your loan status:
    Visit the “Track Application” section on the website to check progress.

Documents Required for PM Youth Loan 2025

Required DocumentsPurpose
CNIC (Valid)Identity verification
Passport Size PhotoApplicant identification
Proof of ResidenceAddress verification
Business Plan or ProposalLoan assessment
Bank Account DetailsDisbursement
Education/Skill CertificateOptional (for IT/technical fields)

Participating Banks List

Loans are processed through 15 banks nationwide, including:

  • National Bank of Pakistan (NBP)
  • Habib Bank Limited (HBL)
  • United Bank Limited (UBL)
  • Bank Alfalah
  • Meezan Bank
  • Bank of Punjab
  • JS Bank
  • First Women Bank
  • Albaraka Bank
  • Soneri Bank
  • Sindh Bank
  • Khushhali Microfinance Bank
  • Zarai Taraqiati Bank (ZTBL)
  • SME Bank

SMEDA – Free Business Guidance for Applicants

The Small and Medium Enterprises Development Authority (SMEDA) plays an important role in helping applicants through free business advisory services. You can contact the nearest SMEDA office in your province for help with business plans or documents.

ProvinceOffice AddressHelpline
PunjabAiwan-e-Iqbal Complex, Lahore(042) 111-111-456
SindhBahria Complex II, Karachi(021) 111-111-456
KPKState Life Building, Peshawar(091) 111-111-456
BalochistanChaman Housing Scheme, Quetta(081) 2831623

Purpose and Use of PM Youth Loan

Loans under this scheme can be used for:

  • Setting up small retail shops or startups
  • Buying tools, machinery, or vehicles for business use
  • Expanding existing businesses
  • Agriculture projects (livestock, seeds, fertilizers, or irrigation systems)
  • IT, e-commerce, and freelancing setups

Other PM Youth Programs You Can Explore

Alongside the loan scheme, the Prime Minister Youth Programme (PMYP) also offers:

  • PM Laptop Scheme 2025
  • PM Overseas Employment Program
  • PM National Innovation Award
  • Talent Hunt Youth Sports

You can access all these through the official PMYP Mobile App available on Android and iOS.

Frequently Asked Questions (FAQs)

Q1. Can government employees apply for PM Youth Loan?
No, currently government employees are not eligible to apply under this scheme.

Q2. Can overseas Pakistanis apply?
No, only Pakistani residents living in Pakistan can apply for the PM Youth Loan.

Q3. Is there any physical form submission?
No, the entire application process is online. You must apply through the official website pmyp.gov.pk.

Q4. How much time does it take to get the loan approved?
It varies from bank to bank but usually takes a few weeks after document verification.

Q5. Is collateral required?
Collateral depends on the loan tier and bank policy. Smaller loans often don’t need collateral, but larger ones might.

Q6. How to check Prime Minister Youth Loan status?
Visit pmyp.gov.pk, click on “Track Application”, and enter your CNIC to see the current loan status.

Q7. How to apply for a loan in Pakistan?
Go to the PM Youth Loan Scheme portal, fill in the online form, and upload your documents.

Q8. How to apply for a loan from the Punjab government?
Apply online through the Punjab Rozgar Scheme website: rozgar.psic.punjab.gov.pk.

Q9. How to check application status PMYP?
Open pmyp.gov.pk, go to Loan Tracker, enter your CNIC, and check your application’s progress.

Q10. How to apply for Prime Minister Loan Scheme 2025?
Apply online at pmyp.gov.pk/bankform/newapplicantform by submitting your personal and business details.

Q11. How to apply for a youth loan?
Apply through PMYB&ALS (Prime Minister Youth Business & Agriculture Loan Scheme) at pmyp.gov.pk.

Q12. What is the minimum salary criteria for personal loans (PKR 20,000 / PKR 30,000 / PKR 35,000 / PKR 50,000)?
Different banks have different criteria, but usually minimum monthly income should be between PKR 25,000 to PKR 50,000.

Q13. How to check SIMs on CNIC?
Visit cnic.sims.pta.gov.pk and enter your CNIC number to view the total active SIMs under your name.

Q14. How much EMI for a 2 lakh loan?
At around 7% markup for 3 years, the estimated EMI is about PKR 6,200 per month. Use the PMYP Loan Calculator on the official website for exact figures.

Conclusion

The PM Youth Loan Scheme 2025 is a game-changer for Pakistan’s young generation. It’s not just a loan — it’s a pathway to self-employment, financial freedom, and economic growth. Whether you want to start small or scale big, this government-backed opportunity can help you achieve your dream.

So don’t wait — apply online at pmyp.gov.pk today and take your first confident step toward a better future.

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