Under the Prime Minister s Youth Business & Agriculture Loan Scheme (PMYB&ALS) 2025, those engaged in IT, e-commerce and technology startups will get a loan of millions to push their small businesses.
The scheme will give markup-free and low-interest finance, facilitating young people to start and grow businesses in e-commerce, fintech, agriculture technology and digital services.
Eligibility Criteria for PM Youth Loan 2025
Age: 21–45 years for general applicants.
18–45 years for IT/e-commerce entrepreneurs (with at least matriculation).
Citizenship: Must be a Pakistani citizen holding a valid CNIC.
Business Type:
Startups or existing businesses.
Farmers under SBP’s agriculture financing category.
Sole proprietorships, partnerships and registered companies.
Equity Contribution:
New businesses: 10–20% (depending on tier).
Existing businesses: No equity requirement.
Loan Structure and Financing Terms
The PM Youth Loan 2025 consists of three levels:
· Tier 1 (T1): Rs 0.5 million maximum, interest-free, repayable in 3 years.
· Tier 2 (T2): Rs 0.5–1.5 million, 5% markup, repayable up to 8 years.
· Tier 3 (T3): Rs 1.5–7.5 million, 7% markup, repayable up to 8 years.
The loans can be availed for IT hardware, machinery, working capital, and even cars, with flexible payment terms.
Also Read: PM Laptop Loan Scheme 2025: Eligibility, required documents, installment plan
How to Apply for PM Youth Loan Online
1. Applicants can apply online on the official PM Youth Portal: https://pmybals.pmyp.gov.pk/.
2. Go to the portal and click on "Apply for Loan."
3. Input your CNIC number, issue date, and your desired loan tier.
4. Enter personal information such as education, income, and contact details.
5. Input business details such as sector (IT, e-commerce, agriculture tech, etc.), name, and description. Upload supporting documents such as a business plan or registration documents.
6. Choose the loan amount, repayment period, and announce existing loans if any.
7. Submit the form and monitor progress through the "Track Application" option.
By joining Pakistan s Digital Vision, the PM Youth Loan Scheme 2025 will help contribute significantly to job creation, promoting innovation, and enhancing the country s economy.
