The Prime Minister Youth Loan Program 2025 is a golden opportunity for young entrepreneurs in Pakistan who want to start or expand their own businesses. Launched under the vision of Prime Minister Shehbaz Sharif, this program aims to provide interest-free and low-interest loans to youth, helping them become financially independent and contribute to the country’s economic growth.
If you are a student, small business owner, or aspiring entrepreneur, this guide will explain how to apply online for the Prime Minister Youth Loan Scheme 2025, who is eligible, and how much financing you can receive.
What is the Prime Minister Youth Loan Program 2025?
The PM Youth Business and Agriculture Loan Scheme is a government-funded initiative designed to promote entrepreneurship, self-employment, and agricultural development. The program provides easy loans ranging from PKR 500,000 to PKR 7.5 million, depending on your business plan and category.
These loans are available through various commercial and Islamic banks under the supervision of the State Bank of Pakistan (SBP).
How to Apply Online for Prime Minister Youth Loan 2025
Applying for the loan is simple and completely online. Follow these steps to submit your application successfully:
Step 1: Visit the Official Website
Go to the official portal: https://pmyp.gov.pk/
This is the official website for the Prime Minister Youth Program (PMYP), where all applications are processed.
Step 2: Click on “Apply for Loan”
On the homepage, click the “Apply for Loan” button. You’ll be redirected to the online registration page.
Step 3: Fill Out the Application Form
Enter the required personal and business details such as:
- Full Name
- CNIC Number
- Date of Birth
- Mobile Number (registered on CNIC)
- Address and Education Details
- Business Category (Agriculture, Trade, Services, Manufacturing, etc.)
- Estimated Loan Amount
Step 4: Upload Required Documents
You’ll need to attach the following documents:
- Copy of CNIC
- Business Plan or Feasibility Report
- Latest Photograph
- Educational Certificates (if applicable)
- Proof of Business (for existing entrepreneurs)
Step 5: Submit Application
After completing the form, carefully review all details and click Submit. You will receive a confirmation message and tracking number via SMS or email.
You can use this tracking number to check your loan application status later on the same website.
Loan Categories & Markup Rates
The Prime Minister Youth Loan Program offers three financing tiers:
- Tier 1 (T1): Loans up to PKR 500,000 with 0% interest rate.
- Tier 2 (T2): Loans from PKR 500,001 to PKR 1.5 million with 5% interest rate.
- Tier 3 (T3): Loans from PKR 1.5 million to PKR 7.5 million with 7% interest rate.
The repayment period ranges from 3 to 8 years, depending on your business type.
Eligibility Criteria
To apply for the Prime Minister Youth Loan, you must:
- Be a Pakistani citizen with a valid CNIC.
- Be aged between 21 and 45 years (18 for IT/e-commerce businesses).
- Have a feasible business plan or existing small business.
- Preferably have some educational background or business experience.
Both male and female applicants are encouraged to apply, with special quotas reserved for women, differently-abled persons, and rural entrepreneurs.
Key Benefits of PM Youth Loan 2025
- Interest-free and low-interest loans with flexible repayment.
- No collateral required for small loan categories.
- Equal opportunities for both men and women.
- Digital tracking system for transparent processing.
- Encourages youth entrepreneurship and job creation.
Final Words
The Prime Minister Youth Loan Program 2025 is an incredible opportunity for Pakistan’s youth to start their own business, enhance their income, and contribute to the national economy.
