Prime Minister Youth Business and Agriculture Loan Scheme 2025
The Prime Minister Youth Business and Agriculture Loan Scheme (PMYB&ALS) 2025 is a landmark initiative by the Government of Pakistan to empower youth, promote entrepreneurship, and support the agricultural sector. Through affordable financing and simplified procedures, this program enables young Pakistanis to launch new businesses or expand existing ones, contributing to economic growth and job creation.
Overview of the PM Youth Loan Scheme 2025
The scheme provides loans under three tiers, tailored to different financial needs:
| Tier | Loan Amount | Markup Rate | Purpose |
|---|---|---|---|
| T1 | Up to Rs. 0.5 million | 0% (interest-free) | Startups, working capital, small-scale needs |
| T2 | Above Rs. 0.5 million – Rs. 1.5 million | 5% | Business expansion, equipment, investments |
| T3 | Above Rs. 1.5 million – Rs. 7.5 million | 7% | Large-scale business, agriculture projects, vehicle leasing |
The loans cover working capital, long-term investments, and financing/leasing of locally manufactured commercial vehicles. In agriculture, both production and development loans are available.
Eligibility Criteria
To apply for the PMYB&ALS 2025, applicants must fulfill the following conditions:
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Age:
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General applicants: 21–45 years
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IT & e-commerce businesses: Minimum 18 years (with Matric or equivalent education)
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Nationality: Must be a Pakistani citizen with a valid CNIC
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Business Type: Applicable to both new startups and existing SMEs
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Agriculture: Farmers meeting the State Bank of Pakistan’s classification are eligible for agricultural loans
⚠️ Note: Government employees and non-resident Pakistanis (NRPs) are not eligible.
Required Documents
Applicants must prepare the following documents before applying:
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Completed Application Form (available on the official portal)
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Valid CNIC (copy required)
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Educational Certificates (mandatory for IT/e-commerce businesses)
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Business Plan / Feasibility Study including:
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Business idea
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Market analysis
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Financial projections
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Implementation strategy
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Bank Statements (if applicable)
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Proof of Business Ownership (for existing businesses – e.g., registration, tax records)
Application Process (Online)
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Visit the official PMYB&ALS portal: youthloan.gov.pk
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Register / Sign In with your CNIC and mobile number
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Fill in the online application form carefully
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Upload scanned documents (CNIC, certificates, business plan, etc.)
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Review all details and submit application
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Save the tracking number for future reference
How to Track Your Application
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Use the tracking ID provided after submission
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Visit the official website and enter your CNIC + tracking ID
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Check real-time status updates (under review, approved, or disbursed)
Loan Repayment Structure
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Repayment tenure varies depending on the loan tier and business type
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Grace period may be available for certain loans
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Easy monthly or quarterly installments through designated banks
The PM Youth Business & Agriculture Loan Scheme 2025 is a golden opportunity for ambitious individuals who want to start or scale their businesses. With low markup, interest-free tiers, and government backing, it’s a game-changer for Pakistan’s entrepreneurial ecosystem.
Having these documents prepared will facilitate a smoother application process.
How to Apply Online for Prime Minister Youth Business 2025
Follow these steps to apply for the loan online:
Visit the Official Portal:
- Access the application form at https://pmyp.gov.pk/bankform/newapplicantform.
Create an Account:
- Register by providing your full name, CNIC number, email address, and mobile number.
- Set a secure password for your account.
Complete the Application Form:
- Log in to your account and fill out the application form with accurate personal and business information.
- Upload the required documents in the specified formats.
Submit the Application:
- Review all entered information and ensure its accuracy.
- Submit the application through the portal.
Acknowledgment Receipt:
- After submission, you’ll receive an acknowledgment receipt with a unique application tracking number.
Ensure that all information provided is accurate and complete to avoid delays in processing.
Tracking Your Loan Application Status
To monitor the status of your application:
Access the Tracking Portal:
- Visit https://pmyp.gov.pk/.
Log In:
- Use your registered email and password to access your account.
Navigate to Application Status:
- Click on the ‘Track’ option to view the current status of your loan application.
Regularly checking the portal will keep you informed about any updates or required actions.