The Government of Pakistan has officially re-launched the Prime Minister’s Youth Business & Agriculture Loan Scheme (PMYB&ALS) 2025. This initiative is aimed at empowering the youth of Pakistan by providing them with interest-free and low-interest loans to start or grow their businesses.
If you’re between 18 to 45 years old, this could be your chance to build your future.
Quick Overview of PM Youth Loan Scheme 2025
| Feature | Details |
| Age Limit | 18–45 years |
| Nationality | Pakistani |
| Loan Amount | PKR 100,000 to PKR 7.5 Million |
| Interest Rate | 0% to 7% |
| Apply Mode | Online |
| Official Website | https://pmyp.gov.pk |
Eligibility Criteria
- To apply for the PM Youth Loan Program 2025, you must meet the following conditions:
- Be a Pakistani citizen with a valid CNIC
- Aged 18 to 45 years
- Have a business idea or own a small existing business
- Have no history of loan default or fraud
🔸 Women, differently-abled persons, and individuals from underserved areas are strongly encouraged to apply.
Loan Categories (Tiers)
The scheme is divided into three tiers based on the amount of loan and interest rate:
| Tier | Loan Amount | Interest Rate | Collateral |
| Tier 1 | PKR 100,000 – 500,000 | 0% | No |
| Tier 2 | PKR 500,001 – 1.5 million | 5% | Yes (partial) |
| Tier 3 | PKR 1.5 million – 7.5 million | 7% | Yes |
Required Documents
Before applying, make sure you have these documents ready:
- CNIC copy
- Passport-size photograph
- Business idea or proposal
- Educational certificates (if available)
- Bank account details
- Optional: NTN number, utility bill, experience letter (if applicable)
How to Apply Online for PM Youth Loan Scheme
- Follow these steps to submit your application:
- Visit the official website: https://pmyp.gov.pk
- Click on “Apply for Loan”
- Select your loan tier (Tier 1, 2, or 3)
- Fill out the application form with personal and business details
- Upload all required documents
- Submit the form and save your tracking ID
Application Tracking
- To check the status of your loan application:
- to: https://pmyp.gov.pk/pmyphome/ TrackApplicationForm
Enter your CNIC number or tracking ID to see real-time updates.
Frequently Asked Questions (FAQs)
Q1: Can students apply for this loan?
Yes, students with a valid business plan or freelancing idea are eligible.
Q2: Is there any registration fee?
No. The application process is 100% free.
Q3: How long does approval take?
Typically, approval takes 30–45 working days.
Q4: Can women apply?
Yes, the scheme highly encourages female entrepreneurs to apply.
Important Tips to Increase Approval Chances
- Submit a clear and feasible business plan
- Make sure your documents are valid and updated
- Apply for Tier 1 if you’re just starting — approval is faster
📢 Final Words
The PM Youth Loan Program 2025 is a golden opportunity for aspiring entrepreneurs in Pakistan. Whether you want to start a retail shop, launch a digital service, or grow your current setup — this is your chance.
👉 Apply now and take the first step toward financial independence, feel free to ask any question in comment box.
