Prime Minister’s Youth Business & Agriculture Loan Scheme (PMYB&ALS) ek flagship initiative hai jo Pakistan ke youth ko business aur agriculture loans provide karta hai simple conditions aur low markup ke sath. Is scheme ka main aim hai ke young generation ko entrepreneurship aur self-employment ki taraf encourage kiya jaye.
Eligibility Criteria – Kaun Apply Kar Sakta Hai?
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Age Limit:
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Normal Businesses: 21 se 45 saal ke Pakistani citizens apply kar sakte hain.
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IT / E-Commerce Businesses: Lower age limit 18 saal hai.
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Residency: Applicant Pakistani resident hona chahiye.
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Entrepreneurial Potential: Applicant ke pass business idea ya entrepreneurial skills honi chahiye.
👉 Note: Government employees aur non-resident Pakistanis is scheme mein apply nahi kar sakte.
Loan Tiers & Markup Rates – یوتھ لون کی تفصیل
Loans ko 3 tiers mein divide kiya gaya hai:
| Tier | Loan Amount | Markup |
|---|---|---|
| Tier 1 | Upto 0.5 Million PKR | 0% Markup (interest-free) |
| Tier 2 | Above 0.5 Million to 1.5 Million PKR | 5% Markup |
| Tier 3 | Above 1.5 Million to 7.5 Million PKR | 7% Markup |
✅ Ye structure youth aur farmers dono ke liye flexible aur affordable banaya gaya hai.
Apply Karne Ka Tareeqa – Application Process
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Sirf Online Apply Hoga – koi physical application bank branch mein submit nahi hoti.
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Official PMYP website visit karein:
🔗 Apply Here -
Online form fill karen aur required details submit karein.
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Loan application ka status track karne ke liye portal par Track option available hai.
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Calculator bhi available hai jahan aap apna loan repayment schedule calculate kar sakte hain.
SMEDA Support – Free Guidance for Applicants
SMEDA (Small & Medium Enterprises Development Authority) ko assign kiya gaya hai taake applicants ko free business guidelines provide ki ja saken.
📍 Head Offices:
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Punjab: Aiwan-e-Iqbal Complex, Lahore – (042) 111-111-456
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Sindh: Bahria Complex II, Karachi – (021) 111-111-456
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Balochistan: Chaman Housing Scheme, Quetta – (081) 2831623
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KPK: State Life Building, Peshawar – (091) 111-111-456
SMEDA helpdesks applicants ko training, feasibility reports, aur financial planning mein assist karte hain.
Benefits of PM Youth Business & Agriculture Loan Scheme
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Zero aur Low Markup Loans – youth ke liye asaan repayment.
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Encourages Entrepreneurship – apna khud ka business start karne ka chance.
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Agriculture Sector Support – kisano ko easy financing.
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Digital System – online apply aur track system se transparency.
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National Growth – new jobs create honge aur economy boost hogi.
Frequently Asked Questions (FAQs)
Q1: Kya loan ke liye bank branch se apply karna hoga?
➡ Nahi, sirf online apply hota hai PMYP website par.
Q2: Kya non-resident Pakistani apply kar sakte hain?
➡ Nahi, sirf Pakistan ke residents eligible hain.
Q3: Minimum education requirement kya hai?
➡ Koi specific minimum requirement nahi, sirf entrepreneurial potential hona zaroori hai.
Q4: Kya government employees loan le sakte hain?
➡ Nahi, ye scheme sirf private individuals ke liye hai.
Q5: Loan ka repayment kaise check hoga?
➡ Website par available calculator se aap apna repayment schedule easily calculate kar sakte ho.
PM Youth Business & Agriculture Loan Scheme 2025 (یوتھ لون سکیم) ek golden opportunity hai Pakistan ke youth aur farmers ke liye. Interest-free aur low markup loans ke sath ye program unko empower karta hai ke wo apna khud ka business start karein ya agriculture projects grow karein.
Agar aap ke pass ek acha business idea hai, to abhi apply karein aur apna future secure karein.