Apply Now for PM Youth Business & Agriculture Loan Scheme 2025. Get up to Rs. 7.5M with 0%–7% markup. Easy terms, quick approval, and nationwide coverage.
PM Youth Loan Scheme Quick Overview
The PM Youth Business & Agriculture Loan Scheme aims to empower the youth of Pakistan by providing easy business loans with low or zero markup. The scheme supports young entrepreneurs, farmers, and startups with financial support through a network of 15 commercial, Islamic, and SME banks.
| Feature | Details |
|---|---|
| Loan Tiers | Tier 1: Up to Rs. 0.5M (0% markup) Tier 2: Rs. 0.5M–1.5M (5% markup) Tier 3: Rs. 1.5M–7.5M (7% markup) |
| Eligible Age | 21–45 years (18+ for IT/E-commerce businesses) |
| Application Mode | Online only at PM Youth Portal |
| Sectors Covered | All sectors including agriculture, livestock, e-commerce, trade, etc. |
| Tenure | 3–8 years depending on loan tier |
| Equity Contribution | 10%–20% (only for new businesses) |
| Collateral | Personal guarantee or as per bank policy |
Apply Now for PM Youth Business and Agriculture Loan Scheme 2025
Offical Link:https://pmybals.pmyp.gov.pk/
PM Youth Loan 2025 Eligibility Criteria
- Pakistani citizen with valid CNIC
- Age between 21 to 45 years (18 years for IT/E-Commerce)
- Entrepreneurial mindset
- No government employment
- Startups and existing SMEs eligible
- Farmers as per SBP classification also eligible
Loan Categories and Markup Details
| Tier | Loan Amount | Markup Rate | Tenure | Security |
|---|---|---|---|---|
| T1 | Up to Rs. 0.5 Million | 0% | Up to 3 years | Personal guarantee |
| T2 | Rs. 0.5M to 1.5M | 5% | Up to 8 years | Personal guarantee |
| T3 | Rs. 1.5M to 7.5M | 7% | Up to 8 years | Bank policy-based |
PM Youth Business Loan Scheme Statistics 2025
- Total Applications: 3.36 million
- Loans in Process: 1.13 million
- Approved Loans: 292,702 (PKR 227.9 billion)
- Disbursed Loans: 287,363 (PKR 219.2 billion)
- Jobs Created: 289,884
- Rejected Applications: 1.94 million
Breakdown by Tier:
| Tier | Applications Received |
|---|---|
| T1 | 2,290,576 |
| T2 | 168,095 |
| T3 | 109,544 |
Provincial Disbursement Stats
| Region | Eligible | Disbursed |
|---|---|---|
| AJK | 6,693 | 6,664 |
| Balochistan | 2,119 | 2,097 |
| Federal Territory | 2,576 | 2,506 |
| Gilgit-Baltistan | 2,134 | 2,081 |
| KPK | 20,535 | 20,230 |
| Punjab | 207,465 | 204,724 |
| Sindh | 16,766 | 16,460 |
Application Form for PM Youth Business and Agriculture Loan Scheme 2025
Form Link:https://pmybals.pmyp.gov.pk/BankForm/newApplicantForm
Documents Required for Online Application
Before applying, make sure to have the following documents:
- Passport-sized photo
- CNIC (Front & Back)
- Educational certificates
- Experience letter (if applicable)
- Business license or chamber registration
- Tax registration (NTN)
- Utility bill Consumer ID (home and office)
- Vehicle registration (if any)
- References (2 people, not blood relatives)
- Business income & expense estimates
How to Apply Online for PM Youth Business & Agriculture Loan Scheme
- Visit: pmyp.gov.pk/bankform/newapplicantform
- Sign up using your own CNIC and a registered mobile number
- Fill in all the personal, financial, and business details
- Upload the required documents
- Submit the application and save your tracking number
- Check your loan status online or wait for SMS updates
Key Features of the PM Youth Loan Program
- Simple Terms: No physical bank visit required
- Inclusive: 25% quota reserved for women
- Comprehensive Sectors: Includes livestock, agriculture, e-commerce, franchises
- Civil Works Allowed: Up to 65% of loan can be used for construction
- Collateral Rules: Tier 1 & 2 need only personal guarantee; Tier 3 as per bank policy
- Loan Tenure Flexibility: Up to 8 years repayment plan with grace period
- Vehicle Financing: 1 vehicle allowed (more in case of distribution businesses)
- Monitoring: SBP and Finance Division oversee the transparency and success rate
Frequently Asked Questions (FAQs)
1. Can I apply physically through bank branches?
No, all applications are submitted online through the PM Youth Portal.
2. Are non-resident Pakistanis eligible?
No, the scheme is for resident Pakistani citizens only.
3. Can government employees apply?
No, employees of government institutions are not eligible.
4. Is there any educational requirement?
No minimum qualification is required except for specific businesses that need licenses, degrees, or certificates.
5. Can I apply for more than one loan?
Yes, one long-term and one short-term loan is allowed within Rs. 7.5 million combined limit.
6. What is the processing fee?
The application fee is Rs. 100 (non-refundable), including CNIC verification charges.
7. How long does it take to process the loan?
Loan applications are processed within 45 working days.
8. What sectors are eligible for loans?
All sectors including agriculture, livestock, e-commerce, trade, dairy, etc.
9. What if I already own a business?
Existing businesses can apply. They may need to provide business registration or bank statements.
10. Is there any quota for women applicants?
Yes, 25% of total loans are reserved for women entrepreneurs.
Important Tips for PM Youth Business & Agriculture Loan Scheme
- Ensure your mobile number is registered in your name
- Upload clear and complete documents
- Save your application tracking number
- Regularly check SMS and email for updates
- Submit as much supporting info (business plan, bank statement) as possible to improve approval chances
Final Thoughts: PM Youth Business & Agriculture Loan Scheme
The PM Youth Business and Agriculture Loan Scheme 2025 is a groundbreaking initiative for aspiring entrepreneurs and farmers across Pakistan. With flexible repayment plans, zero to low interest, and easy online application, the scheme is a game-changer for youth-led economic development.
Take the first step toward your entrepreneurial dream today by applying at the official PMYP Loan Portal.
For more updates on government welfare programs, visit PakGovSchemes.pk