Get PM Youth Business & Agriculture Loan 2025 – Apply Now!
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Subscribe on YouTubeImagine you’re a young person in Pakistan with a brilliant idea—maybe a small business or a plan to improve farming. But there’s one big problem: you don’t have the money to start. The Prime Minister’s Youth Business & Agriculture Loan Scheme (PMYB&ALS) is here to help. It’s a government program that gives loans to young people like you, so you can turn your dreams into reality.
What is PMYB&ALS?
The PM Youth Business & Agriculture Loan Scheme is a helping hand from the Government of Pakistan for young people. If you want to start a small business or grow your farming work, this program gives you the money to do it.
It’s important to know that this loan scheme has gone through some changes over the years. In the past, many people knew it as the Kamyab Jawan Program, and even earlier, it was simply called the Prime Minister’s Youth Loan Scheme. But today, the official name is Prime Minister’s Youth Business & Agriculture Loan Scheme (PMYB&ALS). So if you’ve heard different names before, don’t get confused—they all refer to the same big idea that keeps getting better with time.
The best part? You don’t have to worry about big interest charges. Some loans are even interest-free, and others have very low markup. That means it’s easier for you to return the money slowly without stress. It helps young boys and girls to:
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Start a new business
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Grow their current business
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Buy agriculture equipment
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Improve farming activities
In short, the government wants to support the youth of Pakistan to become business owners instead of job seekers.
Main Purpose of the Scheme
The government started this program with a clear mission:
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Create more small businesses in Pakistan
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Support young farmers in villages
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Reduce unemployment
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Give equal chances to women
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Build a strong self-reliant economy
Eligibility Criteria of PM Youth Loan Scheme
Not everyone can apply. But if you match the simple rules below, then this loan is for you!
Basic Eligibility:
| Requirement | Details |
|---|---|
| Age | 21 to 45 years (Minimum 18 for IT/e-com) |
| Nationality | Pakistani citizen with valid CNIC |
| Business Type | New or existing business (any sector) |
| Credit Status | No default history |
| Gender | Both males and females can apply |
Even if you’re from a village, a small city, or a big urban area — you are welcome to apply!
How Much Loan Can You Get? (Loan Tiers Explained)
The government divided loans into 4 easy tiers. Each tier has a different loan amount, markup, and payback time.
Loan Tier Table:
| Tier | Loan Amount | Markup (Interest) | Payback Time | Equity (Your Contribution) | Guarantee Required |
|---|---|---|---|---|---|
| T1 | Up to Rs. 0.5 million | 0% (Interest-Free) | 3 years | 10% | Just personal guarantee |
| T2 | Rs. 0.5M – 1.5M | 5% | 8 years | 10% | Personal guarantee |
| T3 | Rs. 1.5M – 7.5M | 7% | 8 years | 20% | As per bank rules |
| T4 | Special: Laptops (up to Rs. 0.45M) & Overseas Pakistanis (up to Rs. 1.0M) | 0% | 5 years | 20% | University letter or personal guarantee |
Important: You don’t need to give property or gold for small loans. Just a personal guarantee is enough in most cases!
What Business Ideas Can You Apply For?
You can apply for almost any type of business, such as:
Popular Business Ideas:
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Mobile accessories shop
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Beauty salon
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Tailoring shop
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Grocery store
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Food truck or restaurant
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Dairy or livestock farming
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Poultry business
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Online e-commerce store
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Agricultural machinery
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IT services or freelancing setup
Tip: Choose a business idea you truly understand and love. That increases your success chance!
What Documents You Need
Here’s a checklist of things you should collect before applying:
Required Documents for PM Youth Loan Scheme 2025:
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Your valid CNIC
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Passport-size photo
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Business idea or plan (very simple one is enough)
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Educational documents (optional)
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Bank account (if you have one)
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Mobile number (registered on your CNIC)
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Proof of income (if applying for a big loan)
You don’t need an expensive or complex business plan. Even a simple 1-page idea will work!
How to Apply for PM Loan Scheme | Youth Business & Agriculture Loans
Now let’s understand how you can apply.
Step-by-Step Guide:
1. Open the Online Portal
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Go to the official PMYB&ALS loan application website.
- or click the button given below to start your application.
Apply Now for PM Loan Scheme | Youth Business & Agriculture Loan
2. Fill Out the Form
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Add your personal details (name, CNIC, address)
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Choose loan type (Business or Agriculture)
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Select your Tier (T1, T2, T3, or T4)
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Upload your photo and documents
3. Submit Your Business Idea
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Write a few lines about your business
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What do you want to do? How much money is needed?
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What is your income plan?
4. Wait for Bank Response
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Your application is sent to a bank
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They will check your documents
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You may receive a call or SMS for verification
5. Loan Approval & Disbursement
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If approved, you will get a confirmation call
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Go to the bank, sign a few papers
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Bank will transfer money to your account!
Congratulations! You are now a young entrepreneur!
Which Banks Are Giving These Loans?
Many well-known banks are part of this scheme. You can select your preferred bank during application.
️ Participating Banks:
Each bank may take 15–45 working days to process your application.
Why Should You Apply?
This is not just a loan. It’s a once-in-a-lifetime opportunity.
Benefits of This Scheme:
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No interest on small loans
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No heavy conditions
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No need for property or assets
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Women and disabled persons are encouraged
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Easy return plans (up to 8 years)
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Business training may also be available
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You become your own boss!
Common Mistakes to Avoid while Applying
Sometimes people don’t get the loan because of simple mistakes. Let’s avoid them:
Mistakes People Make:
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Giving wrong CNIC number
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Using someone else’s mobile number
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Not having a clear business idea
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Submitting fake documents
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Missing bank calls or emails
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Not checking application status regularly
Pro Tip: Fill out the form with care. Take your time. Ask someone for help if needed.
What Happens After You Apply?
Many people ask: What next after submission?
Application Timeline:
| Step | Estimated Time |
|---|---|
| Online submission | 15–30 minutes |
| Application review | 1–2 weeks |
| Bank contact & checks | 1–2 weeks |
| Final approval | 1–2 weeks |
| Loan disbursement | Within 1 month |
Total Time: Around 1 to 1.5 months (if all goes smoothly)
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Special Help for Women & Farmers
The government has clearly said:
“30% quota is for women.”
So if you’re a woman with a business idea, this scheme gives you priority. Also, farmers and people from rural areas are especially encouraged to apply.
Digital Youth Hub App
The “Digital Youth Hub” app provides information about various youth initiatives, including the PMYB&ALS. However, to apply for the loan, you must use the official PMYB&ALS portal.
Digital Youth Hub – Apps on Google Play
Important Tips
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No Physical Applications: Applications must be submitted online.
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Processing Time: It may take 15 to 45 working days for your application to be processed.
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Repayment: Ensure timely repayment to maintain a good credit history.
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Official Sources: Always refer to the official PMYB&ALS portal for accurate information.
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Final Words – Don’t Miss This Chance!
This scheme is not just about giving money. It’s about giving hope, confidence, and freedom to the youth of Pakistan.
Whether you’re a student, a farmer’s son, a housewife, or a young dreamer — this loan can change your life.
Just like it helped Ali open his mobile shop, it can help you open the door to success.
So take the first step. Believe in yourself.
Apply now, and turn your dream into reality!
