The Government of Pakistan has relaunched the PM Youth Loan Scheme 2025, a flagship program aimed at empowering young entrepreneurs, small business owners, and skilled professionals. This initiative provides interest-free and low-interest loans, helping individuals kickstart new businesses or expand existing ones without the heavy burden of commercial bank interest rates.
The scheme is being implemented in partnership with leading banks, ensuring transparent distribution and financial support for thousands of applicants across the country.
Purpose of the Youth Loan Scheme
The main goal of this program is to:
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Support youth entrepreneurship and reduce unemployment.
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Encourage innovation and self-reliance.
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Provide financial access for those who have ideas but lack resources.
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Boost Pakistan’s economy by supporting small and medium businesses.
Loan Tiers and Details
The PM Youth Loan Scheme 2025 offers three categories of loans, depending on the scale of the business.
| Tier | Loan Amount (PKR) | Profit Rate | Purpose |
|---|---|---|---|
| Tier 1 | Up to 500,000 | 0% (Interest-Free) | Small startups, micro-businesses |
| Tier 2 | 500,001 – 1,500,000 | 5% Annual | Growing small & medium businesses |
| Tier 3 | 1,500,001 – 7,500,000 | 7% Annual | Medium-to-large scale projects |
Eligibility Criteria
To apply for the PM Youth Loan Scheme 2025, applicants must:
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Be a Pakistani citizen with valid CNIC.
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Fall between the ages of 18 and 45.
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Have a business plan (simple for Tier 1, detailed for higher tiers).
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Not be a bank defaulter.
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Possess relevant skills or experience (for Tier 2 & 3).
Required Documents
Before applying, prepare the following:
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CNIC copy
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Passport-size photographs
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Proof of residence (utility bill or domicile)
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Business plan or proposal
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Bank account details
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Education/skill certificates (for higher tiers)
How to Apply
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Visit the official PM Youth Program portal.
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Click on “Apply for Loan”.
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Fill in personal, financial, and business details.
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Upload the required documents.
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Submit and save your tracking number.
Successful applicants will go through a verification process, and once approved, funds are directly transferred to their bank account.
Final Thoughts
The PM Youth Loan Scheme 2025 is more than just financial aid — it is an opportunity for Pakistan’s youth to build their future. With loan amounts ranging from PKR 500,000 to PKR 7.5 million, this program supports both small startups and larger ventures.
If you are between 18 and 45 and have a solid idea, this is your chance to turn your dream into a business reality.