The Government of Pakistan has launched the Prime Minister Youth Business & Agriculture Loan Scheme 2025, giving a huge opportunity for young entrepreneurs and farmers to grow their businesses.
This initiative is designed to provide easy access to finance for startups, small businesses, and the agriculture sector across the country.
If you are planning to start your own business or expand an existing one, this loan scheme can be your perfect starting point.
Let’s dive into the important details about eligibility, loan amounts, interest rates, repayment terms, and how you can apply online.
Purpose of the PM Youth Business & Agriculture Loan Scheme
The main goal of this scheme is to support young entrepreneurs and boost economic growth by providing easy financing options.
The loans can be used for:
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Small and Medium Enterprises (SMEs) setup or expansion
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Agriculture production and development
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Leasing or financing of machinery, equipment, or locally manufactured vehicles for commercial use
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Civil works financing (up to 65% of the total loan limit)
This is a massive step to help young Pakistanis build businesses, increase agricultural productivity, and create more jobs in the economy.
Who is Eligible?
To apply for the Prime Minister Youth Loan Scheme 2025, you must meet the following conditions:
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Must be a Pakistani citizen with a valid CNIC.
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Age between 21 to 45 years with a strong business idea or entrepreneurial potential.
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For IT and E-Commerce businesses, the minimum age is 18 years, and at least matriculation (10th grade education) is required.
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In case of a company, partnership, or any other business form, at least one owner, partner, or director must meet the above age criteria.
Whether you are an individual, a group of partners, or a company, you are eligible if you fulfill these basic requirements.
Loan Amount Offered
Through this scheme, you can access financing ranging:
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From Rs. 1.5 million to Rs. 7.5 million
This range covers a wide variety of business needs—from small startups to medium-sized expansions.
Also Read: Why the PM Laptop Scheme 2025 Is a Game-Changer for Students in Pakistan
Interest Rate (Pricing)
The loan is being offered at special subsidized rates to make repayment easy:
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7% per annum (as per latest SBP instructions)
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6.5% per annum for women entrepreneurs and persons with disabilities
These rates are extremely low compared to regular market financing, making it an affordable solution for young Pakistanis.
Loan Tenure and Grace Period
The repayment structure is also highly flexible:
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Maximum loan tenure: up to 8 years, including a one-year grace period.
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For working capital or production loans, the maximum tenure is 5 years.
This means you get enough time to establish your business, start earning profits, and then pay back comfortably.
How to Apply for PM Youth Loan Online
Applying for the Prime Minister Youth Business & Agriculture Loan Scheme is simple and online.
Follow these steps:
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Visit the official PM Youth Program Portal at: pmyp.gov.pk
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Click on the “Apply for Loan” section.
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Fill in the online loan application form with accurate personal, business, and financial details.
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Upload the required documents (CNIC, educational certificates, business plan, etc.).
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Submit your application and note down your application number for tracking.
Tip: Always fill your information carefully to avoid delays or rejection.
Final Words
The Prime Minister Youth Business and Agriculture Loan Scheme 2025 is a fantastic chance for Pakistan’s youth to turn their ideas into reality.
Whether you want to start a small shop, expand a farming business, or launch an online IT company—this loan gives you the financial strength to begin.
Don’t miss out on this golden opportunity to become part of Pakistan’s growing entrepreneurial community.
Start your journey today by applying through the official portal pmyp.gov.pk, and for detailed guides, updates, and tips, always stay connected with laptoppmyp.pk.