PM Youth Business & Agriculture Loan Scheme 2025 Guide

 Introduction

The Prime Minister Youth Business and Agriculture Loan Scheme 2025  has been launched to tackle unemployment . Many young and talented people in Pakistan are unemployed, so this program will give hope to the youth  and increase their motivation 💪. Taking advantage of this scheme, young people can start their own businesses  and farmers  will also have easy access to affordable finance . This program has been formed under the leadership of the Prime Minister Youth Program . In this program, subsidized loans will be provided to the youth, with which they will be able to start their own business or startupand will be involved in the development of Pakistan 🇵🇰. Whether you are an entrepreneur  or have already done a business or want to do it, or are looking for your future in agriculture 🌾, then these schemes are for you. You can read all the information  related to this scheme in this article, how to apply or what are the eligibility criteria . You will get to see all the details.

Key Objectives of the Scheme

The main objective of the PM Youth Loan Scheme  is to provide financial development to the youth and empower them . There is a lot of talent among the youth of Pakistan  they need support , which they will get through this scheme. The vision of this scheme, which is 2025 , is very influential and comes with improvements and wider coverage in various sectors 🌾. The main objectives of this program are as follows:

📌 From the beginning of this program, it is clear that employment opportunities will be promoted .

📌 The youth will develop a passion for doing business 💡 and they will see a hope .

📌 The more young people of Pakistan work in the business sector, the more Pakistan will benefit . 

A new Pakistan will be formed  by getting start-up tips and support for businesses led by the youth .

📌 When educated young people step into the sector of particles ⚙️, they will make the sector much stronger .

📌 Through this program, poverty and unemployment will also be greatly reduced .

📌 With this program, families  who belong to very disadvantaged communities and who have very low financial status  and lack access to capital  will benefit.

Also Read : CM Punjab E-Taxi Scheme 2025 – A Game Changer for Employment & Green Pakistan

Eligibility Criteria

As you all know that Pakistan has a large population  and hence the following eligibility criteria have been set to cover the eligible people .

🔹 The age limit for the scheme is 21 years and above and men below 45 years of age .

🔹 For some youth who want to join IT  or e-commerce business  their minimum age will be 18 years .

🔹 Applicants must have a valid CNIC  which proves that they are citizens of Pakistan 🇵🇰.

🔹 You must have a significant business plan  to make the business viable or you must be already working on a business or financial project .

🔹 Women  can also join this program. People with various disabilities ♿ can also participate in this program.

🔹 Preference will be given to rural youth 🌾.

Loan Categories / Tiers

The loan amount that the government will provide under this scheme will be based on your ability and how you will be able to repay it, which is why it has been decided to provide loans in three different tiers:

🟢 Tier 1

•  The loan amount in the first tier has been set from one lakh to five lakhs
•  The mark-up rate that has been set is zero percent
•  No collateral will be taken from you in this
•  But you will have to give a personal guarantee as security

🟡 Tier 2

•  The loan amount that will be given to you in the second tier of this scheme will be a minimum of one and a half lakh rupees and a maximum of five lakhs can be given
•  Percentage in this you have to mark up, that is, interest
•  Collateral is also included in this, it will be stated according to the bank's policy

🔴 Tier 3

•  The loan in the third tier The amount to be distributed will be from a minimum of 1.5 lakh to 7 lakh 50 thousand
•  The mark-up rate that will be applied in it will be applied at the rate of seven percent
•  Proof of the desired property may also be asked from you as collateral

How to Apply – Step-by-Step Application Process

🆓 Applying for the PM Youth Business and Agriculture Loan Scheme is 100% free and you can apply 100% online, absolutely free. Here are some easy steps that you can follow to apply:

🌐 Step 1: First of all, you have to go to the website, click on the website link
🔗 Official website: Prime Minister Youth Program

Step 2: The website will open in front of you and in the second step, you have to demand your desired loan amount — to what extent you want to take a loan, you have to choose either TR1 or TR2 or TR3.

Step 3: After this, you have to fill in the application form. You will be asked for your information such as your name and your identity card number, contact number, the business you are doing or want to do, a complete plan for it.

Step 4: After uploading all the pictures about yourself, you have to upload the required documents.
 Make sure that the documents you send are completely clear and correct. There are no errors.

Step 5: After reviewing your documents and the details you have sent, click on submit and wait.

Step 6: After submitting the form, you are given a tracking number or ID from which you can check the status of your application — whether your application has been approved or you will have to wait longer.

Documents Required

✅Some necessary documents will be required to apply, the information of which is given below. Before applying, keep these documents ready so that no problem arises:

✅ For the application, your original computerized identity card (CNIC) should be available.

✅ And you should also keep two to four passport-sized photographs.

✅ You have to describe any plan that you have thought of for your business or provide a feasibility report.

✅Educational certificate – If you have any degree or proof of education, attach it too.

✅ You will also have to provide the details of the bank account in which you want to take your loan amount.

✅ If you are already involved in any business, then any certificate of experience should be there, if available.

✅ If you want to apply for a higher loan, then you will have to provide proof of income and a guarantee will be attached.

Loan Repayment Terms

📄 Some necessary documents will be required to apply, the information of which is given below. Before applying, keep these documents ready so that no problem arises:

🆔 For the application, your original identity card, which will be computerized, should be available.

📸 And you should also keep two to four passport-sized photographs.

📝 You have to describe any plan that you have thought of for your business or provide a feasibility report.

🎓 Educational certificate. If you have any degree or proof of education, attach it too.

🏦 You will also have to provide the details of the bank account in which you want to take your loan amount.

📃 If you are already involved in any business, then any certificate of experience should be there, if available.

💼 If you want to apply for a higher loan, then you will have to provide proof of income and a guarantee will be attached.

Also Read : Apna Rozgar Rickshaw Scheme 2025 – Application Form & Complete Details

Conclusion

PM Youth Business and Agriculture Loan Scheme 2025 gives a golden opportunity to every Pakistani to make their future bright, so every Pakistani who considers himself eligible should take advantage of this opportunity. Such people or youth who want to start their own business or want to step into the agricultural sector and cannot invest freely due to low income can start their own small business with this loan and such people who are already working in the agricultural sector and want to expand their business can also take advantage of this loan to brighten their future. This scheme will create a happy atmosphere among the youth, self-confidence will be created and every Pakistani, every youth will become an Ansar himself.

Want to start any business or are doing it or are opening a small shop, this scheme can be a big step for your business, so don't wait and don't miss this opportunity, apply quickly, it's time to turn your ideas into reality, apply

Frequently Asked Questions (FAQs)

❓ Who can apply for this scheme?

Any Pakistani between the age of 21–45 (18 for IT) with a viable business idea or agricultural background.

❓ Is this loan interest-free?

Tier 1 loans are completely interest-free. Tier 2 and 3 have subsidized markup.

❓ Can I apply if I already have a job?

Yes, as long as your business plan is feasible and you can repay the loan.

❓ Can women apply?

Yes, special quotas are reserved for women and female entrepreneurs are strongly encouraged.

❓ How long does it take to get approval?

It may take 30 to 45 days depending on the bank's processing time and document verification.