Prime Minister’s Youth Business & Agriculture Loan Scheme (PMYB&ALS) 2025
Key Features & Objectives
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A government-backed initiative under the Prime Minister’s Youth (Kamyab Jawan), delivered through the Digital Youth Hub .
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Aimed at empowering Pakistani youth (aged 18–45, but generally 21–45) with subsidized loans for business, agriculture, education, vocational training, and digital access .
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Includes additional components like laptop distribution, skill development, and entrepreneurship training .
👥 Eligibility Criteria
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Pakistani citizens aged 21–45 years (or 18+ for IT/e‑commerce/agriculture) .
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Minimum education level: often matriculation or intermediate depending on loan type .
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25% of loans reserved for women, plus quotas for widows, disabled persons, children of martyrs .
💰 Loan Tiers & Terms
| Tier | Amount (PKR) | Interest/Markup | Max Tenure |
|---|---|---|---|
| T1 | Up to 500,000 | 0% | 3 years (up to 1-year grace) |
| T2 | 500K – 1.5 million | 5% | 5–8 years (with grace) |
| T3 | 1.5 – 7.5 million | 7% | 5–8 years (with grace) |
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Equity requirement: For new ventures—10% in T1 and 20% in T2/T3; none for existing businesses .
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Security: Collateral often required for T2 & T3; e.g., financed vehicles can be used as collateral .
🛠️ What You Can Use the Loan For
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Starting or expanding micro/small business across sectors including agriculture, services, e‑commerce .
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Education and skill-development loans (e.g., vocational, technical training) .
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Financing agricultural production, livestock, machinery, vehicle purchase .
🚀 Additional Youth Empowerment Packages
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Youth Laptop Scheme 2025: 100,000 merit- and need-based laptops through Digital Youth Hub .
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Broader youth initiatives under PM Shehbaz Sharif including tech training, device distribution, and creation of a National Youth Council.
📝 How to Apply
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Visit the official PM Youth Programme portal (pmyp.gov.pk / kamyabjawan.gov.pk)
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Register, complete and submit the online application.
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Provide docs: CNIC, educational proof, business/agriculture plan, equity contribution proof (if needed), collateral details.
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Monitor application via portal; approved loans disbursed through partner banks like NBP, BOP, HBL, ABL .
