Pakistan has launched an amazing initiative called the PM Youth Business Loan Scheme to support young entrepreneurs and small business owners. This program is designed for individuals who have business ideas but lack the financial resources to bring them to life. With easy terms and low markup rates, it gives youth a chance to start their career journey.
PM Youth Loan Scheme 2025 Key Points
| Point | Details |
|---|---|
| Scheme Name | PM Youth Business Loan Scheme |
| Age Requirement | 21 – 45 years (minimum 18 years for IT & e-commerce) |
| Eligibility | Valid CNIC, Pakistani citizen |
| Tier 1 Loan | PKR 100,000 – PKR 1 million, 3% markup |
| Tier 2 Loan | PKR 1 million – PKR 10 million, 4% markup |
| Tier 3 Loan | PKR 10 million – PKR 25 million, 5% markup |
| Repayment Time | 8 years total with a 1-year grace period |
| Application Method | Online through banks (Habib Bank, Bank of Khyber, Habib Metropolitan Bank) |
| Deadline | No registration deadline, apply anytime |
| Main Benefit | Financial support to start or grow businesses with easy terms |
Eligibility Criteria
If your age is between 21 to 45 years, you can apply for this scheme. For those interested in IT or e-commerce businesses, the minimum age limit is only 18 years. You must have a valid CNIC (Computerized National Identity Card) to apply. This makes the program widely accessible for the majority of Pakistani youth.
Loan Categories
The scheme offers loans in three tiers depending on the business requirement. Tier 1 provides loans from PKR 100,000 up to PKR 1 million with a 3% markup. Tier 2 covers loans from PKR 1 million to PKR 10 million with 4% markup. Finally, Tier 3 offers loans up to PKR 25 million with only 5% markup.
Repayment Period
One of the best features of this scheme is its repayment flexibility. Borrowers get a total of eight years to repay their loan. In addition, there is a one-year grace period, which means you do not need to pay anything during the first year. This allows you to stabilize your business before starting repayments.
Application Process
You can easily apply online through selected banks like Habib Bank, Bank of Khyber, and Habib Metropolitan Bank. The application process is simple and transparent. There is no specific deadline for registration, which means you can apply at any time of the year. This convenience encourages more young people to participate without stress.
Benefits of the Program
The scheme is not just about providing money; it is about creating opportunities. Many young people have ideas but no funds to start. With this program, they can finally take the first step. It also builds confidence, reduces unemployment, and boosts Pakistan’s economy by encouraging entrepreneurship in multiple sectors like trade, IT, and manufacturing.
Conclusion
The PM Youth Business Loan Scheme is a golden chance for motivated individuals who want to transform their ideas into successful businesses. With low markup, long repayment time, and flexible conditions, this program provides hope and opportunity for countless youth in Pakistan. If you have a dream and determination, this scheme is your chance to make it real.
