What is the Prime Minister Youth Loan Program (PMYB&ALS)?

PMYB&ALS is a Government of Pakistan initiative offering subsidized business and agriculture loans to eligible citizens to start or expand businesses.

Who is eligible for the Prime Minister Youth Loan?

Pakistani citizens aged 21–45 with a valid CNIC can apply. For IT and e-commerce, the minimum age is 18. A viable business idea or plan is required.

What are the loan tiers and interest rates?

Tier 1: up to PKR 0.5m at 0% markup; Tier 2: PKR 0.5m–1.5m at 5% markup; Tier 3: PKR 1.5m–7.5m at 7% markup.

Is there a last date to apply?

Applications are generally open year-round, but applying early helps with faster processing. Always check the official portal for active windows.

Do I need collateral for the PM Youth Loan?

Tier 1 is typically collateral-free. For Tier 2 and Tier 3, banks may request security depending on risk and loan size.

What documents are required?

Valid CNIC, recent photograph, basic personal and business details, business plan/feasibility, bank account info, and a recent utility bill. Additional documents may be requested by the bank.

How long does approval take?

Processing commonly takes 30–45 days after a complete submission, depending on verification and bank assessment.

Which banks are partners in the scheme?

Major partners include NBP, BOP, HBL, UBL, Meezan Bank, Bank Al Habib, and Askari Bank. Availability may vary by region.

Is there a quota for women?

Yes. A dedicated portion of financing is reserved to support women entrepreneurs.

What are the repayment and grace periods?

Repayment can be up to 8 years with a grace period of around 1 year, subject to bank policy and loan tier.

Is PMYB&ALS the same as the Kamyab Jawan Program?

PMYB&ALS is the evolved/updated form of the earlier Kamyab Jawan Program with improved terms and broader sector coverage.

How can I track my application status?

Use the Track Application option on the official portal and enter your CNIC or tracking number to view current status.

Prime Minister Youth Loan Program 2025 (PMYB&ALS) – Apply Online for Interest-Free Business Loans in Pakistan

The Prime Minister Youth Loan Program 2025 (PMYB&ALS) is a landmark initiative by the Government of Pakistan aimed at empowering the youth through affordable business financing. Whether you’re an aspiring entrepreneur, student, or farmer — this program gives you a chance to start your own business and contribute to Pakistan’s growing economy.

At SBEP.org.pk, we guide you step-by-step through the loan application process, eligibility criteria, required documents, and the best strategies to ensure fast approval.

Apply Online for PM Youth Loan Program

What Is the Prime Minister Youth Loan Program?

The Prime Minister Youth Business and Agriculture Loan Scheme (PMYB&ALS) is a government-backed loan initiative that helps young Pakistanis start or expand their businesses. The program promotes entrepreneurship, self-employment, and innovation through subsidized financing.

It’s available to all Pakistani citizens aged 21 to 45 years (or 18+ for IT professionals) who have a business idea or existing venture.

Loan Categories and Interest Rates

Tier	Loan Limit (PKR)	Interest / Markup Rate	Purpose
Tier 1	Up to 0.5 million	0% (Interest-Free)	Small business or startup
Tier 2	0.5 million – 1.5 million	5%	Small to medium business
Tier 3	1.5 million – 7.5 million	7%	Medium-scale enterprise

Tip: Start small with Tier 1 if it’s your first loan — the interest-free option is best for new entrepreneurs.

Who Can Apply for PM Youth Loan?

You are eligible if you meet the following criteria:

Pakistani citizen with a valid CNIC
Age between 21–45 years (18+ for IT professionals)
Business plan or startup idea ready for execution
Preferably educated or skilled in the relevant field
Applicants from all provinces and regions (Punjab, Sindh, KP, Balochistan, Gilgit Baltistan, AJK)

Special focus is given to:

Women entrepreneurs (25% quota)
Farmers and agricultural startups
Freelancers and IT professionals

Documents Required

Here’s a checklist of documents you’ll need before applying:

Valid CNIC
Recent photograph
Educational or professional certificates (if applicable)
Business plan or feasibility report
Bank account details
Utility bill copy (residential or business address)

How to Apply for Prime Minister Youth Loan Online

Step-by-Step Guide

Follow these simple steps to apply through the official PM Youth Program portal:

Visit the official website: https://pmyp.gov.pk
Click “Apply Online” under Business & Agriculture Loan
Create your loan profile and verify your CNIC
Fill out the application form with your personal, business, and bank details
Upload required documents
Submit your application and save the tracking number

Application Tracking

After submission, visit the same website and click “Track Application” to check your loan status.

How to Track Your PM Youth Loan Application Status

Follow these quick steps to check your Prime Minister Youth Loan (PMYB&ALS) application progress using your CNIC or tracking number:

Open the official portal:
Visit the PM Youth Program official website and click on “Track Application” from the main menu.
Enter your details:
Provide your CNIC number or the tracking ID you received when you submitted your application.
View your current status:
Once you submit your information, the system will display your current loan application status — whether it’s under review, approved, or pending bank verification.
Follow bank instructions:
If your application has been approved or requires additional documents, follow the instructions provided by your selected bank for final processing.

💡 Tip: Always keep your tracking number safe. It’s needed to check updates or contact the bank later.

Partner Banks List (2025)

The PM Youth Loan scheme works with multiple banks across Pakistan:

Bank Name	Availability
National Bank of Pakistan (NBP)	Nationwide
Bank of Punjab (BOP)	Punjab & Federal Areas
Habib Bank Limited (HBL)	Nationwide
Meezan Bank	Nationwide
United Bank Limited (UBL)	Nationwide
Bank Al Habib	Nationwide
Askari Bank	Nationwide

Note: Each bank follows transparent procedures and offers digital tracking for your application.

Loan Categories by Sector

Category	Examples
Agriculture	Dairy farming, crop production, fisheries
Small Business	Shops, services, manufacturing units
IT & Freelancing	Software houses, digital marketing
Women Entrepreneurs	Fashion, food, beauty, or handmade products
Startups	Innovative business ideas

Benefits of PM Youth Loan Scheme

Interest-free loans for small businesses
Online application – no need to visit offices
Fast processing through partner banks
Equal opportunities for men and women
Boost for national economy through self-employment

PM Youth Loan Repayment Terms

Repayment period: Up to 8 years
Grace period: 1 year
Monthly or quarterly installment options
Early repayment allowed without penalty

Frequently Asked Questions (FAQs)

1. What is the last date to apply for PM Youth Loan 2025?

There is no fixed deadline; applications are open throughout the year. However, early submission ensures faster processing.

2. Can students apply for the Prime Minister Youth Loan?

Yes. Students aged 18 or above with a viable business idea can apply, especially under Tier 1 (interest-free).

3. Is collateral required for the loan?

For Tier 1 loans, no collateral is needed. For Tier 2 and Tier 3, banks may ask for security based on loan size and risk assessment.

4. How long does loan approval take?

It usually takes 30 to 45 days, depending on document verification and bank assessment.

5. Can women apply for PM Youth Loan?

Absolutely! Women entrepreneurs are strongly encouraged, and 25% of total loans are reserved for them.

6. Is this the same as Kamyab Jawan Loan Scheme?

Yes. The PMYB&ALS is an upgraded version of the Kamyab Jawan Program, with improved terms and broader eligibility.

Contact Information

For official support:

Helpline: 051-9203584
Website: https://pmyp.gov.pk
Email: info@pmyp.gov.pk

For personalized guidance and updates, contact our experts at SBEP.org.pk — we’ll help you prepare your application and business plan for maximum approval success.

Start Your Journey Today

The Prime Minister Youth Loan Program 2025 is more than a financial scheme — it’s a path toward self-reliance, innovation, and growth. Don’t wait for opportunities to come — create them today.

👉 Apply Now or get expert help from SBEP.org.pk to kickstart your business journey.