Learn everything about the Akhuwat Loan Scheme 2026 including eligibility criteria, loan process, steps, documents, online Apply method, CNIC requirements, contact numbers, and loan products.
What is Akhuwat Loan Scheme?
The Akhuwat Loan Scheme is an interest-free microfinance program operated by Akhuwat Islamic Microfinance (AIM). The main goal of this scheme is to reduce poverty by helping low-income families start or expand businesses, support agriculture, and improve housing conditions.
Akhuwat provides Qarz-e-Hasna (interest-free loans) based on Islamic principles, ensuring dignity, transparency, and community support.
Akhuwat Loan Scheme Easy Apply with CNIC
You can apply for the Akhuwat loan scheme using your valid CNIC. The process includes application submission, social and business appraisal, guarantor verification, and loan approval.
CNIC is mandatory
No interest charged
Simple application process
Low application fee
Akhuwat Loan Products Details
1 Family Enterprise Loan (Business Loan)
This loan is offered to individuals who want to start a new business or expand an existing business.
| Feature | Details |
|---|---|
| Loan Amount | Rs. 10,000 – Rs. 50,000 |
| Duration | 10 – 36 months |
| Initial Application Fee | Up to Rs. 500 |
| Purpose | Small business setup or expansion |
2 Agriculture Loan
This loan is for small farmers, tenants, and landless farmers to purchase agricultural inputs and meet farming expenses.
| Feature | Details |
|---|---|
| Loan Amount | Rs. 10,000 – Rs. 50,000 |
| Duration | 10 – 36 months |
| Initial Application Fee | Up to Rs. 500 |
| Purpose | Seeds, fertilizers, farming inputs |
3 Housing Loan
Akhuwat provides housing loans to poor families for home renovation or construction.
| Feature | Details |
|---|---|
| Loan Amount | Rs. 100,000 – Rs. 1,500,000 |
| Duration | 36 – 108 months |
| Initial Application Fee | Up to Rs. 1,000 |
| Purpose | Rooms, roofs, walls, house repair |
Eligibility Condition:
House or land up to 5 Marlas
Family size 8 or more members
Akhuwat Loan Process (Step-by-Step)
The Akhuwat loan process is transparent and community-based.
Akhuwat Loan Scheme Steps
- Programme Introduction
- Application Submission
- Social Appraisal
- Business Appraisal
- Second Appraisal
- Guarantors Verification
- Loan Approval Committee (LAC)
- Loan Disbursement
- Recovery Deposit
- Monitoring
Eligibility Criteria for Akhuwat Loan Scheme
To apply for the Akhuwat loan scheme, you must meet the following criteria:
- Applicant must have a valid CNIC
- Age limit: 18 to 62 years
- Ability to start or expand a business
- Must not be convicted of any criminal offense
- Good social and moral reputation
- Ability to provide two non-family guarantors
- Resident within 5 KM radius of the Akhuwat branch
Additional requirements may apply depending on the loan type.
Documents Required for Akhuwat Loan Application
You must submit the following documents:
Mandatory Documents
- Copy of CNIC
- Latest utility bill (Applicant)
- Latest photographs
- Two guarantors’ documents
Optional Documents
- Utility bill of family member
- Copy of Nikahnama (if available)
Akhuwat may request additional documents if needed.
Also Check
Visit For more Schemes or Program : https://pakgovschemes.pk/
Benazir Income Support Programme
Akhuwat Loan Apply Online
Currently, Akhuwat loans are mainly applied through physical branch offices. Online login or full digital application is limited.
Akhuwat Loan Apply Online Login
- Online login facility is not fully available for public applications
- Applicants must visit the nearest Akhuwat branch
Akhuwat Loan Apply Form
- Loan application form is provided at Akhuwat branches
- Assistance is available from Akhuwat staff
Akhuwat Loan Scheme Contact Numbers (Branch Contacts)
Below are some important Akhuwat contact persons and numbers:
Lahore & Nearby Areas
| Branch | Contact Person | Phone |
|---|---|---|
| Chung | Muhammad Kaleem Khaliq | 0301-7076496 |
| Shair Shah Colony | Muhammad Kaleem Khaliq | 0301-7076496 |
| Kot Abdul Malik | Qazi Muhammad Waseem | 0317-4833738 |
| Thokar Niaz Baig | Muhammad Kaleem Khaliq | 0301-7076496 |
| Multan Chungi | Hafiz Bilal Hassan | 03227-257277 |
| Shahdara | Qazi Muhammad Waseem | 0317-4833738 |
| Township | Muhammad Kaleem Khaliq | 0301-7076496 |
| Hall Road | Rana Faisal | 0300-8081417 |
| Head Office | Muhammad Kaleem Khaliq | 0301-7076496 |
(More branches can be contacted based on location)
Why Choose Akhuwat Loan Scheme?
- 100% Interest-Free Loans
- Islamic Microfinance Model
- Focus on poverty reduction
- Community-based support
- Easy eligibility criteria
FAQs – Akhuwat Loan Scheme 2026
1. Is Akhuwat loan interest-free?
Yes, Akhuwat provides 100% interest-free loans.
2. Can I apply with CNIC only?
CNIC is mandatory, but additional documents are also required.
3. What is the maximum Akhuwat loan amount?
Up to Rs. 1,500,000 for housing loans.
4. Is online application available?
Currently, applications are mostly offline through branches.
5. How long does loan approval take?
Approval depends on appraisal and verification, usually a few weeks.
6. Who can be a guarantor?
Two non-family members with good reputation.
7. What is the age limit?
Applicants must be between 18 and 62 years.
8. Is there any application fee?
Yes, a small fee of up to Rs. 500 or Rs. 1,000 depending on loan type.
9. Can farmers apply for Akhuwat loan?
Yes, small and landless farmers are eligible.
10. Where can I get the application form?
From your nearest Akhuwat branch office.
Final Words
The Akhuwat Loan Scheme 2026 is one of Pakistan’s best interest-free loan programs for business, agriculture, and housing. If you meet the eligibility criteria and have a valid CNIC, you can easily apply by visiting your nearest Akhuwat branch.
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Source & Authority Note
This article is published by Pakgovschemes.pk, an independent informational platform that covers verified Government welfare schemes in Pakistan. Information is compiled from official Government Portal for public awareness only.
Disclaimer
Pakgovschemes.pk does not offer registrations, forms, or application services. Applicants should always apply through official Government portals only. We do not collect CNIC numbers or personal data.