Federal Government Loan Schemes for Youth
The federal government’s main youth loan programme is the Prime Minister’s Youth Business & Agriculture Loan Scheme (PMYB&ALS), run with the State Bank of Pakistan and partner banks.
| Tier | Loan amount | Markup for borrower |
|---|---|---|
| Tier 1 | Up to Rs 500,000 | 0% |
| Tier 2 | Rs 500,001 – 1,500,000 | 5% |
| Tier 3 | Rs 1,500,001 – 7,500,000 | 7% |
| Tier 4 | Laptops, overseas workers | 0% |
PM Youth Business & Agriculture Loan
Tiers 1–3 through 15 banks; age 18–45.
Guide coming soonPM Youth loan for overseas employment
Interest-free up to Rs 1 million for young people going abroad for work.
Guide coming soonPakistan Poverty Reduction Programme
Interest-free loans for 86,000 people in Budget 2026-27.
Guide coming soonSources: ProPakistani – loan tiers, Express Tribune – Tier 4, ProPakistani – overseas employment loan, ProPakistani – Budget 2026-27.
Updates
- 3 Nov 2026: Federal schemes added.
Frequently asked questions
What are the PM Youth Loan tiers?
Tier 1: up to Rs 500,000 at 0%. Tier 2: Rs 500,001–1.5 million at 5%. Tier 3: Rs 1.5–7.5 million at 7%. Tier 4: 0% for laptops and prospective overseas workers.
Who can apply?
Pakistani citizens with a valid CNIC, including from AJK and GB; the age range is 18–45 (check the latest rules).
How many banks offer it?
The scheme runs through 15 commercial, Islamic and SME banks.