Rozgar Scheme 2025 offers easy loans for women, farmers, and small businesses across Pakistan. Learn complete details of the Khawateen Rozgaar Scheme, Kissan Rozgaar Scheme (Gilgit-Baltistan), and Punjab Rozgaar Scheme including eligibility, loan limits, markup, documents, repayment plan, and FAQs.
What is Rozgar Scheme 2025?
Rozgar Scheme 2025 is a set of government-supported loan programs designed to promote employment, women empowerment, agriculture development, and small business growth in Pakistan. These schemes include:
- Khawateen Rozgaar Scheme (for rural women)
- Kissan Rozgaar Scheme (for GB farmers)
- Punjab Rozgaar Scheme (for SMEs and entrepreneurs)
Each scheme offers subsidized loans, flexible repayment terms, and simplified requirements to help individuals grow financially and professionally.
1. Khawateen Roozgar Scheme 2025
The Khawateen Roozgar Scheme aims to empower rural women by providing financial support for both farming and non-farming activities. It is offered through all ZTBL branches across Pakistan.
Eligibility Criteria
Women meeting the following criteria can apply:
- Rural women involved in farming or non-farming activities
- Creditworthy with repayment capacity
- New or existing borrowers
- Possessing necessary technical knowledge
Required Documents
- Copy of CNIC
- Loan application form
- Agri Pass Book / Fard Jamabandi
- Two recent passport-size photographs
Khawateen Rozgar Scheme – Loan Details
| Category | Details |
|---|---|
| Operational Area | All ZTBL branches in Pakistan |
| Loan Limit (Secured) | Up to Rs. 500,000 |
| Loan Limit (Surety) | Up to Rs. 25,000 |
| Borrower Contribution | 10% of loan amount |
| Collateral | Own/family property or personal guarantee |
| Cost of Credit | As per bank rules |
| Loan Sanctioning | CLSD, ZTBL Head Office |
| Repayment (Production Loan) | 18 months |
| Repayment (Development Loan) | 5 years |
| Markup Rate | Prevailing rate with 3% rebate on timely repayment |
| Monitoring | MCO, Branch Manager & Regional Business Head |
2. Kissan Rozgar Scheme 2025
The Kissan Rozgar Scheme supports farmers in Gilgit-Baltistan by helping them develop fresh and dry fruit businesses, considering the region’s rich fruit production (cherry, apricot, apple, almond, pear).
Eligibility Criteria
- Resident of Gilgit-Baltistan
- Age between 18–60 years
- Ownership of agricultural land
- Valid CNIC
- Clean e-CIB report
- Obligors Risk Rating (ORR) up to 4
Required Documents
- CNIC copy
- Proof of agricultural land ownership
- Clean e-CIB
- Loan application
Kissan Rozgar Scheme – Loan Details
| Category | Details |
|---|---|
| Operational Area | All ZTBL branches in Gilgit-Baltistan |
| Loan Limit | Up to Rs. 2.5 million |
| Borrower Contribution | 10% |
| Collateral | Tangible assets or family-owned property |
| Markup Rate | Prevailing development loan rate + 3% rebate |
| Loan Sanctioning | CLSD |
| Disbursement | Through borrower’s bank account |
| Repayment Period | 5 years |
| Grace Period | 6 months |
| Monitoring | Branch Manager & MCO |
Also Check
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3. Punjab Rozgar Scheme 2025
Punjab Rozgar Scheme is a large-scale loan program designed to support the growth of small and medium enterprises (SMEs). It offers loans from Rs. 100,000 to Rs. 10,000,000 with subsidized markup in collaboration with The Bank of Punjab (BOP).
Key Features & Eligibility Criteria
| Particular | Details |
|---|---|
| Age Limit | 20 to 50 years |
| Gender | Male, Female, Transgender |
| Qualification/Experience | Graduate, diploma/technical certificate holder, artisan, skilled worker |
| Residence | Must be a resident of Punjab (verified via CNIC) |
| Business Type | New or existing |
| Sectors | All sectors eligible |
| Loan Tenure | 2–5 years (including 6-month grace period) |
| Loan Type | Term Loan |
Loan Limit & Equity Requirements
| Category | Amount | Equity Ratio |
|---|---|---|
| Clean Loan | Rs. 100,000 – 1,000,000 | Males: 80:20, Females/Transgender/Disabled: 90:10 |
| Secured Loan | Rs. 1,000,000 – 10,000,000 | Same ratio applies |
Security Requirements
Up to Rs. 500,000
- Personal guarantee
- Net worth statement
Rs. 500,000 – 1,000,000
- Personal guarantee +
- One third-party guarantee (must be Punjab resident, <55 years, clean e-CIB)
Above Rs. 1,000,000 up to Rs. 10,000,000
- Mortgage of property or vehicle with clean title
Pricing
- 4% markup for clean loans
- 5% markup for secured loans
Application Process
All applications must be submitted online through the designated PSIC portal.
Frequently Asked Questions (FAQs)
1. What is Rozgar Scheme 2025?
A government-supported loan initiative providing financial assistance to women, farmers, and small businesses.
2. Who can apply for Khawateen Rozgar Scheme?
Any creditworthy rural woman involved in farming or non-farming activities.
3. What is the maximum loan amount for Khawateen Rozgar Scheme?
Up to Rs. 500,000 for secured loans.
4. Is the Kissan Rozgar Scheme available all over Pakistan?
No, it is exclusively for residents of Gilgit-Baltistan.
5. What is the loan limit under the Kissan Rozgar Scheme?
Up to Rs. 2.5 million.
6. What types of businesses are eligible under Punjab Rozgar Scheme?
All new and existing businesses across all sectors.
7. What is the loan range for Punjab Rozgar Scheme?
Between Rs. 100,000 and Rs. 10,000,000.
8. What is the markup rate for Punjab Rozgar Scheme?
4% for clean loans, 5% for secured loans.
9. How do I apply for Punjab Rozgar Scheme 2025?
Submit your application online via the PSIC portal.
10. Do these schemes offer a rebate on timely repayment?
Yes, a 3% rebate is available under Khawateen and Kissan schemes.
11. Is collateral required for all schemes?
Smaller loans may only require personal guarantees; larger amounts need property or vehicle security.
12. Can transgender persons apply under Punjab Rozgar Scheme?
Yes, they receive lower equity requirements (90:10).
Final Words
Rozgar Scheme 2025 provides excellent opportunities for women entrepreneurs, farmers, and SMEs to access affordable financing and grow their businesses. Whether you are a rural woman, a Gilgit-Baltistan farmer, or a Punjab-based entrepreneur, these schemes can significantly boost your financial journey.
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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
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