AJK and Gilgit-Baltistan Youth Loan Schemes
Young people in AJK and Gilgit-Baltistan can use regional interest-free schemes as well as the federal PM Youth Loan.
PM Youth Loan Programme (AJK)
Interest-free Rs 0.5m–2m; Rs 1bn; Bank of AJK & Small Industries Corporation.
Guide coming soonAkhuwat interest-free loans (GB)
Interest-free small loans for low-income residents.
Guide coming soonPM Youth Business & Agriculture Loan
Federal scheme open to AJK and GB citizens.
Read guide →Sources: Express Tribune – AJK youth loan scheme, Kashmir English, Akhuwat – GB project.
Updates
- 3 Nov 2026: AJK and GB schemes added.
Frequently asked questions
How much can I get in AJK?
The PM Youth Loan Programme in AJK offers interest-free loans of Rs 0.5–2 million, through the Bank of AJK and the Small Industries Corporation.
Can AJK and GB youth apply for the federal PM Youth Loan?
Yes. Citizens of AJK and GB with a valid CNIC can apply for the PM Youth Business & Agriculture Loan Scheme.
Are there interest-free loans in GB?
Yes. Akhuwat runs an interest-free small loans project in Gilgit-Baltistan with a government agency.