PM Youth Loan Scheme 2025 – Online Application, Eligibility & Latest Updates
The Government of Pakistan has once again opened doors for young entrepreneurs by launching the PM Youth Loan Scheme 2025. This program is designed to provide financial support to individuals who want to start a new business, expand an existing one, or invest in agriculture and IT-related projects.
With easier conditions, higher loan limits, and a smooth online process, the scheme is now more accessible than ever before.
What is the PM Youth Loan Scheme?
The Prime Minister’s Youth Business & Agriculture Loan Scheme aims to encourage young people to create their own sources of income instead of waiting for limited job opportunities.
Whether you want to:
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Open a small shop or workshop
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Start an online business
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Expand a farm project
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Buy modern equipment for IT or green energy
…this loan can help turn your idea into reality.
👉 Special Quotas:
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25% of the total loans are reserved for women.
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A dedicated quota has also been set for persons with disabilities.
What’s New in 2025?
The updated version of the scheme brings several improvements:
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Higher Loan Limit: Up to PKR 10 million available.
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Lower Markup Rate: Starting from just 3% on small loans.
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Fast Approval: Funds will be released within 30 days of approval.
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Wider Age Group: Anyone between 21 to 45 years can apply. For IT and e-commerce businesses, the minimum age is 18.
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Improved Online Portal: The website is now faster and user-friendly.
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Focus Areas: Extra incentives for businesses in IT, e-commerce, and renewable energy.
Who Can Apply?
To be eligible for the PM Youth Loan Scheme 2025, you must:
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Be a Pakistani citizen with a valid CNIC
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Fall within the age range of 21–45 years (18+ for IT/e-commerce)
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Have no default history with any bank
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Present a business idea or plan (new or existing)
Documents Required
Keep the following ready before applying:
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Valid CNIC
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Passport-size photo
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Business plan or feasibility idea
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Educational certificates (if applicable)
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Proof of existing business (if any)
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Bank account details
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NTN (if available)
Step-by-Step Guide to Apply Online
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Visit the Official Portal
Go to: https://pmyp.gov.pk -
Create an Account
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Click on “Apply Online”
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Enter CNIC, mobile number, and password
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Verify using OTP sent to your phone
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Fill in the Form
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Add personal details (name, CNIC, address)
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Enter your business information
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Provide income details
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Upload Documents
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Photo
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Business plan
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Bank account details
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Review & Submit
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Double-check the form
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Submit application
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Save your tracking ID
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Wait for Approval
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Bank/PM office reviews your application
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You may get a call, SMS, or interview request
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Loan Disbursement
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If approved, money will be transferred to your bank account within 30 days.
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Loan Tiers & Markup Details
| Tier | Loan Amount | Markup Rate | Collateral |
|---|---|---|---|
| Tier 1 | PKR 100,000 – 1 Million | 3% | No collateral required |
| Tier 2 | PKR 1 – 5 Million | 4% | Security required |
| Tier 3 | PKR 5 – 10 Million | 5% | Full collateral required |
Tips to Increase Approval Chances
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Write a clear and simple business plan
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Provide accurate details in your form
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Stay active on your phone for bank calls
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Respond quickly if the bank requests more details
Why This Loan Scheme Matters
This scheme is more than just financial support – it is a game-changer for Pakistan’s youth. By enabling young entrepreneurs to build businesses, it:
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Creates new jobs
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Strengthens the economy
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Promotes self-reliance
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Encourages innovation in IT and agriculture
Final Thoughts
The PM Youth Loan Scheme 2025 is a golden opportunity for those who want to step into entrepreneurship. With low markup rates, quick processing, and high loan limits, it is one of the most powerful government initiatives to empower Pakistan’s youth.
👉 If you have a business idea, now is the time to apply! Get your documents ready and head to the official portal to begin your journey.
FAQ – Common Questions
1. What is the last date to apply?
The government has not announced a final deadline yet, but applications are open online.
2. How much loan can I get?
You can apply for up to PKR 10 million depending on your business plan.
3. Is collateral required?
Only for higher loan tiers (above PKR 1 million). Small loans don’t need guarantees.
4. Can women apply?
Yes, with a 25% dedicated quota for female applicants.
5. How long does approval take?
On average, within 30 working days if documents are correct.
