PM Youth Loan Program
Good news for young entrepreneurs! The Prime Minister’s Youth Loan Program 2025 is open for applications. This scheme provides financial support, mentorship, and easy repayment options to help youth start or expand businesses across Pakistan.
Key Details – PM Youth Loan Program 2025
| Feature | Details |
|---|---|
| Eligibility | Pakistani youth aged 21–45 years (18+ for IT/E-Commerce), with valid CNIC and viable business idea |
| Loan Amount | Up to PKR 7.5 million, divided into three tiers |
| Markup Rate | 0% (T1), 5% (T2), 7% (T3) |
| Collateral | None for T1; Personal guarantee or as per bank policy for T2/T3 |
| Loan Tenure | Up to 8 years with 1-year grace period |
| Business Type | Startups and existing businesses, including agriculture, IT, e-commerce, and more |
| Repayment Frequency | Monthly, quarterly, or half-yearly depending on bank policy |
| Application Portal | PM Youth Program Portal |
Eligibility Criteria
- Age: 21–45 years (18+ for IT/E-Commerce).
- Citizenship: Must be a Pakistani national with a valid CNIC.
- Business Type: Startups or existing businesses in eligible sectors.
- Education: Minimum matriculation for IT/E-Commerce ventures.
- Credit History: Clean record with no defaults.
- Business Plan: Must submit a viable plan.
Loan Tiers & Benefits
| Tier | Loan Amount | Markup Rate | Collateral |
|---|---|---|---|
| T1 | Up to PKR 0.5M | 0% (Interest-Free) | None |
| T2 | PKR 0.5M – 1.5M | 5% | Personal Guarantee |
| T3 | PKR 1.5M – 7.5M | 7% | As per bank policy |
Benefits:
- Access to start up or expansion capital.
- Flexible repayment options.
- Government-backed scheme with low-interest rates.
- Support for youth, women, and minority entrepreneurs.
How to Apply Online
- Visit the PM Youth Program Portal.
- Create an account using your CNIC.
- Fill out the application form with personal and business details.
- Upload required documents: CNIC, photographs, business plan, etc.
- Submit your application and track its status online.
Conclusion
The PM Youth Loan Program 2025 is a transformative opportunity for young entrepreneurs across Pakistan. With low-interest loans, flexible repayment options, and government support, it empowers youth to create businesses, generate employment, and contribute to economic growth.
Apply early with a complete business plan and documents to maximize your chances of approval and start your entrepreneurial journey today!
FAQs
Q1: Who can apply?
A: Pakistani youth aged 21–45 (18+ for IT/E-Commerce), with CNIC and viable business idea.
Q2: Can I apply for an existing business?
A: Yes, both startups and existing businesses are eligible.
Q3: What is the maximum loan?
A: Up to PKR 7.5 million, depending on the tier.
Q4: Do I need collateral?
A: Tier 1 loans require none; Tier 2 and 3 may require personal guarantee or bank-specific collateral.
Q5: How long is the repayment period?
A: Up to 8 years, including a 1-year grace period.
Q6: Where to apply?
A: Through the official PM Youth Program Portal pmyp.gov.pk.
Q7: Can women apply?
A: Yes, women and minority youth are encouraged to apply.
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