Islamabad, 2025 – The Government of Pakistan, under the leadership of Prime Minister Mian Muhammad Shahbaz Sharif, has officially launched the PM Youth Business and Agriculture Loan Scheme 2025. This initiative provides interest-free and low-interest loans to empower young entrepreneurs, farmers, freelancers, and small business owners across the country.
With a budget of Rs. 200 billion allocated for 2025–2026, the program is one of Pakistan’s largest financial support schemes for youth.
Loan Tiers & Markup Rates
The scheme offers three tiers of financing based on business and agricultural needs:
| Tier | Loan Amount | Markup Rate |
|---|---|---|
| Tier 1 | Up to Rs. 0.5 million | 0% (Interest-Free) |
| Tier 2 | Rs. 0.5 million – Rs. 1.5 million | 5% |
| Tier 3 | Rs. 1.5 million – Rs. 7.5 million | 7% |
👉 Applicants must select the desired tier at the time of registration.
Eligibility Criteria
To apply for the PM Youth Loan Scheme 2025, applicants must meet the following conditions:
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Must be a Pakistani citizen with a valid CNIC.
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Age requirement: 21 years and above (18 years for IT & e-commerce startups).
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Must have a mobile number registered on the applicant’s CNIC.
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Loan must be used only for business or agricultural purposes.
How to Apply Online – Step-by-Step Guide
The registration process is completely online and can be completed from home:
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Visit the Official Portal
Go to pmybals.pmyp.gov.pk. -
Enter Initial Details
Provide CNIC number, CNIC issue date, and select your loan tier. -
Fill Application Form
Add personal details including:-
CNIC (self & father’s)
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Phone number and email
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District, Tehsil, and Division
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Enter Loan Information
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Loan amount required
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Loan tenure (repayment period)
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Purpose (business or agriculture)
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Upload Documents
Attach scanned copies of CNIC and supporting business/agriculture documents. -
Submit Application
Review details carefully and click Submit Application.
Verification & Loan Disbursement
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Applications will be verified by government authorities.
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Approved applicants will receive loans directly in their bank accounts.
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Important: Loans can only be used for agriculture or business. Misuse may lead to legal action by the government.
Benefits of the Loan Scheme
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Interest-Free Financing: Loans up to Rs. 0.5 million without markup.
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Youth Empowerment: Supports entrepreneurs, farmers, and freelancers.
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Business Expansion: Ideal for startups, SMEs, and agriculture projects.
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Inclusive Opportunity: Encourages IT, e-commerce, and rural enterprises.
FAQs – PM Youth Business & Agriculture Loan Scheme 2025
Q1: What is the loan amount range?
You can apply for loans between Rs. 0.5 million to Rs. 7.5 million, depending on the tier.
Q2: Who launched this scheme?
Prime Minister Shahbaz Sharif introduced the scheme for youth empowerment.
Q3: How do I apply?
Through the official portal: pmybals.pmyp.gov.pk.
Q4: What is the minimum age requirement?
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21 years for general applicants.
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18 years for IT & e-commerce startups.
Q5: What happens if I misuse the loan?
The government has the right to take legal action against misuse.
Conclusion
The PM Youth Business and Agriculture Loan Scheme 2025 is a game-changing initiative to support Pakistan’s youth by offering interest-free and low-interest loans. With loans up to Rs. 7.5 million, the scheme encourages entrepreneurship, strengthens agriculture, and helps young people achieve financial independence.
Applicants are advised to apply early through the official portal and ensure all documents are submitted correctly for smooth approval.