Government Loan Schemes for Youth in Pakistan
Here are the federal, provincial, AJK and Gilgit-Baltistan loan opportunities for young people in Pakistan, in one place. Choose your province for details, or scan the full list below.
Khyber Pakhtunkhwa
Ehsaas Naujawan, Ehsaas Hunar, Ehsaas Apna Ghar, Merged Districts scheme.
Read guide →Punjab
Asaan Karobar Finance, Asaan Karobar Card, Kissan Card.
Read guide →Sindh
SEDF markup subsidies and PPRP interest-free loans.
Read guide →Balochistan
Akhuwat partnership and CM Microfinance Scheme.
Read guide →Federal
PM Youth Business & Agriculture Loan Scheme, overseas employment loan.
Read guide →AJK & GB
PM Youth Loan Programme AJK and GB interest-free loans.
Read guide →All schemes
| Government | Scheme | What it offers (as reported) | Lender / partner |
|---|---|---|---|
| Federal | PM Youth Business & Agriculture Loan (Tiers 1–3) | Tier 1 up to Rs 0.5m at 0%; Tier 2 Rs 0.5–1.5m at 5%; Tier 3 Rs 1.5–7.5m at 7% | 15 commercial, Islamic & SME banks |
| Federal | PM Youth Loan – Tier 4 | 0% for the borrower; laptops and prospective overseas workers | Participating banks |
| Federal | PM Youth loan for overseas employment | Interest-free up to Rs 1 million | PM Youth Programme / banks |
| Federal | Pakistan Poverty Reduction Programme | Interest-free loans for 86,000 people (Budget 2026-27) | PPAF partners |
| KP | Ehsaas Naujawan Programme | BoK Rs 0.5–5m; Akhuwat Rs 100k–500k; 0% | Bank of Khyber, Akhuwat |
| KP | ENP for Merged Districts (proposed) | Rs 100k–1.5m; 0%; Rs 2bn | Government bank, microfinance institution |
| KP | Ehsaas Hunar | Up to Rs 500,000 for skilled youth aged 18–40; 0% | Bank of Khyber (with TEVTA) |
| KP | Ehsaas Rozgar | Interest-free and soft loans for youth employment | Bank of Khyber |
| KP | Ehsaas Apna Ghar | Up to Rs 1.5m to build or renovate a house; 0% | Bank of Khyber |
| KP | CM Youth Empowerment (tourism areas) | Up to Rs 3m to build tourist rooms at home | KP Tourism / BoK |
| Punjab | Asaan Karobar Finance | Interest-free Rs 1m–30m; Phase 2 Rs 30m–50m | Bank of Punjab |
| Punjab | Asaan Karobar Card | Interest-free Rs 0.5m–1m, digital | Bank of Punjab |
| Punjab | CM Kissan Card | Interest-free farm input loans | Bank of Punjab |
| Sindh | Sindh Enterprise Development Fund (SEDF) | KIBOR-linked markup subsidies for SMEs; women prioritised | Partner banks |
| Sindh | PPRP Enterprise Development Fund | Interest-free loans for rural entrepreneurs | SRSO |
| Balochistan | Enterprise Development Programme (with Akhuwat) | Interest-free loans for 12,000 people | Akhuwat |
| Balochistan | CM Microfinance Scheme | Rs 1bn for interest-free loans | [TO VERIFY] |
| AJK | PM Youth Loan Programme (AJK) | Interest-free Rs 0.5m–2m; Rs 1bn | Bank of AJK, Small Industries Corporation |
| GB | Akhuwat interest-free loans project | Interest-free small loans | Akhuwat with a GB government agency |
Figures are as reported in official and news sources; scheme terms change, so always confirm on the official source before applying.
Updates
- 3 Nov 2026: Full list of government youth loan schemes compiled.
Frequently asked questions
Which government loan is interest-free?
Many: Ehsaas Naujawan, Ehsaas Hunar and Ehsaas Apna Ghar in KP; Asaan Karobar Finance and Card in Punjab; PM Youth Loan Tier 1 and Tier 4; and the AJK PM Youth Loan Programme, among others.
Can I get two government loans at once?
Usually not. Several schemes, including the new ENP for Merged Districts, do not allow borrowing under two government loan schemes at the same time.
Where do I apply?
Only through each scheme’s official portal, bank or branch. Rozgar for Youth does not take applications.