PM Youth Business and Agriculture Loan Scheme 2025
PM Youth Business and Agriculture Loan Scheme 2025 is a project introduced by the Government of Pakistan to help young citizens succeed economically. Thanks to the scheme, youth can start businesses and use development opportunities in agriculture. This is an excellent option for people ready to start a business but unable to provide the needed funds.
Objective of the Loan Scheme
The main objective of the Loan Scheme 2025 is to provide interest-based or interest-free, easy loans to the youth so that they can:
- Start a business or a startup
- Obtain agricultural machinery, fertilizers, seeds, or other essential items
- Expand existing businesses
- Become self-reliant and employ others
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Loan Types and Terms of the PM Youth Loan
The loans in the PM Youth Loan Scheme 2025 are divided into three tiers:
| 1. Tier-1 Loan | 2. Tier-2 Loan | 3. Tier-3 Loan |
| Amount: Rs 1 lakh to Rs 5 lakh | Amount: Rs 5 lakh to Rs 15 lakh | Amount: Rs 15 lakh to Rs 75 lakh |
| Interest rate: 0% (no interest) | Interest rate: 5% | Interest rate: 7% |
| Repayment period: Up to 3 years in easy installments | Repayment period: 5 years | Repayment period: Up to 8 years |
Eligibility Criteria for PM Youth Loan Scheme 2025
The following criteria must be met to avail the PM Youth Loan Scheme 2025:
- Age: 21 to 45 years (Minimum age for agricultural loan is 18 years)
- Citizenship: Must be a Pakistani citizen
- Identity Card: Must have a valid CNIC
- Business Plan: New or existing business plan
- Education: Matriculation or Skilled on a priority basis
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Agricultural Loan Details
Under the PM Youth Agriculture Loan Scheme 2025, farmers can avail of loans for the following sectors:
- Purchase of fertilizers and seeds
- Modern agricultural machinery
- Vegetable, fruit, or poultry business
- Dairy farm or animal husbandry
- Tube well, greenhouse, or drip irrigation system
How to Apply for the PM Youth Loan Scheme
The application process is completely online:
- Visit the website: www.pmyp.gov.pk
- Fill the form: Provide your personal, educational, and business information
- Upload documents: CNIC, Business Plan, Bank details
- Select Bank: Select the bank as per your convenience
- Submit the form and wait for the system to verify
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Which banks are included?
The following banks are included in the PM Youth Loan Scheme 2025:
- National Bank of Pakistan
- Bank of Punjab
- Bank Al Habib
- Al Falah Bank
- UBL
- Meezan Bank (for Islamic loans)
Loan Approval and Disbursement
After the application is submitted, the bank examines the application. If all the documents are complete, the loan is approved within 30 to 45 days.The loan is repaid in easy monthly installments, which may include a grace period of 6 months for the start of the business.
Quota for women and special persons for the PM Loan
The government has reserved 25% quota for women and 5% quota for disabled persons in the PM Youth Loan Scheme 2025 so that every section can take full advantage of the development opportunities.
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Key Features of the PM Youth Loan Scheme
- Loan without any collateral (Tier-1).
- Interest-free loan facility.
- An online and transparent application system.
- Business training and mentoring.
- Equal opportunities for youth from both urban and rural areas.
Important Dates
| Stage | Date |
|---|---|
| Scheme Launch | 15 March 2025 |
| Applications Launch | 18 March 2025 |
| Application Deadline | 30 June 2025 |
| Loan Approval and Disbursement | July to August 2025 |
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Conclusion
PM Youth Business and Agriculture Loan Scheme 2025 is not only a means of economically empowering the youth but it is also a great effort to give a new direction to the economy of Pakistan. If you have a business idea or want to work in the agricultural sector then this scheme is the best opportunity for you.
