Prime Minister’s Youth Business & Agriculture Loan Scheme (PMYB&ALS) 2025 ka main purpose hai ke Pakistan ke youth aur farmers ko easy aur affordable loans provide kiye jayein taake wo apna business start ya expand kar saken.
Lekin loan apply karne se pehle applicants ko kuch eligibility requirements aur documents complete karna zaroori hai.
1. Age Requirement (Umar Ki Hadd)
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General Businesses: 21 se 45 saal ke Pakistani citizens eligible hain.
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IT / E-Commerce Businesses: Age limit 18 saal se start hoti hai.
👉 Iska matlab hai ke IT aur digital business start karne wale young students bhi apply kar sakte hain.
2. Nationality & Residency
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Applicant Pakistani citizen hona chahiye.
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Permanent resident hona zaroori hai (non-resident Pakistanis apply nahi kar sakte).
3. Business Idea or Entrepreneurial Potential
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Applicant ke pass ek feasible business plan ya entrepreneurial potential hona chahiye.
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Business agriculture, IT, trade ya services sector se related ho sakta hai.
4. Loan Tiers & Financial Requirements
Loans 3 tiers mein divide kiye gaye hain:
| Tier | Loan Amount | Markup |
|---|---|---|
| Tier 1 | Upto 0.5 Million PKR | 0% Markup (Interest-free) |
| Tier 2 | 0.5 Million – 1.5 Million PKR | 5% Markup |
| Tier 3 | 1.5 Million – 7.5 Million PKR | 7% Markup |
5. Required Documents for Application
Loan application submit karne ke liye applicant ko ye documents ready rakhne honge:
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Valid CNIC (Computerized National Identity Card)
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Recent passport-size photographs
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Business plan ya project feasibility (basic format)
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Proof of income (if any existing source available)
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Educational qualification (if required for IT/E-commerce projects)
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Utility bill or residence proof for address verification
6. Application Process
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Sirf online application accept hoti hai – bank branch mein koi manual form submit nahi hota.
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Apply karein official portal par:
🔗 PM Youth Loan Application Form -
Application submit karne ke baad aap Track option se apna status check kar sakte ho.
7. Exclusions – Kon Log Apply Nahi Kar Sakte?
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Government employees (salaried) is scheme ke liye eligible nahi.
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Non-resident Pakistanis loan ke liye apply nahi kar sakte.
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Jo log pehle se large government schemes ka faida le rahe hain, unki applications reject ho sakti hain.
Benefits of Completing Requirements
Agar applicant in sari requirements aur documents complete karta hai to:
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Loan approval process fast ho jata hai.
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Repayment schedule calculator se easily manage kiya ja sakta hai.
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Transparency aur fair selection ensure hoti hai.
Conclusion
PM Youth Business and Agriculture Loan Scheme 2025 (یوتھ لون سکیم) Pakistan ke youth ke liye ek golden chance hai apna business aur agriculture projects develop karne ka.
Lekin loan lene ke liye age, nationality, business idea aur zaroori documents complete karna lazmi hai. Agar aap in requirements ko fulfill karte ho to aap easily online apply karke apna future secure kar sakte ho.