The Prime Minister Youth Business & Agriculture Loan Scheme is a government program in Pakistan. It helps young people, small business owners, and farmers get money to start or grow their work. If you want to start a business or improve your farm, this loan can help you. The loan has low interest rates and easy rules, so it’s simpler to get. This government program gives young people in Pakistan easy loans with low interest.
Prime Minister Youth Bussiness & Agriculture Loan Scheme
If you want to start a new business, grow your farm, or open a small shop, this loan can help you make it happen. In this guide, we’ll explain what the loan is, who can apply, how to get it, and why it’s important in 2025. Let’s begin! The Prime Minister Loan Scheme in Pakistan is called the Prime Minister’s Youth Business & Agriculture Loan Scheme (PMYB&ALS). It is made to help young people start a business or improve their farming.
| Key Feature | Details |
| Loan Amount | Up to Rs. 1,000,000 |
| Eligibility Criteria | Aged 21 to 45, valid job offer |
| Repayment Terms | 7 to 8 years in equal monthly installments |
| Target Audience | Youth with overseas job offers |
PM Youth Loan Scheme 2025 Online Apply
This loan also supports young people by giving them money to stay financially strong when they first start working abroad. This loan program was started by the government. It gives money with low interest and easy payment plans. The goal is to help young people grow their skills and improve their financial future. The idea is simple: give you the money you need to succeed, without putting you in too much debt. Whether you want to open a shop or buy farming tools, this loan can support you.
Prime Minister Loan Scheme 2025 – Apply Online
Many young people in Pakistan find it hard to go abroad for work because it costs a lot at the beginning. Since this program began, over PKR 186 billion has been given out in loans. You can get a loan from PKR 0.5 million to PKR 7.5 million, depending on what you need. To apply, you must show proof of your job offer and some other documents to prove you qualify for the loan.
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Who Can Apply for the PM Loan Scheme?
Not everyone can apply. Here’s what you need to be part of the PM Youth Business & Agriculture Loan Scheme (PMYB&ALS):
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Age: You must be between 21 and 45 years old. If you work in IT or e-commerce, you can apply at 18+.
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Citizen: You must be a Pakistani citizen and have a valid CNIC.
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Loan Use: The loan must be for starting a business or farming—not for personal use like buying a car.
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Job Status: Government employees cannot apply.
Example: A 25-year-old with a small business idea or a farmer who needs equipment can apply. But if you have a government job or want the money for personal use, you cannot.
Types of Loans Under PMYB&ALS (2025)
There are two main types of loans in this program:
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Youth Business Loans
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Use: For starting or growing a small business (like a shop or IT company)
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Amount: Up to PKR 7.5 million
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Special Feature: Small Tier 1 loans (up to PKR 0.5 million) are interest-free
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Agriculture Loans
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Use: For farming needs like buying seeds, land, or tractors
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Amount: Up to PKR 7.5 million
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Special Feature: First year, you only pay the interest (not the full amount)
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How to Apply for the PM Loan Scheme in Pakistan
It’s easy to apply online. Just follow these steps:
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Check if You Qualify: Make sure you meet the age and loan purpose rules.
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Go to the Website: Visit pmyp.gov.pk/bankform.
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Fill Out the Form: Add your CNIC, phone number, and loan details.
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Upload Documents: Send in your CNIC, business idea, or farm plan.
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Wait for Approval: It takes about 30–45 days to hear back.