PM Youth Business and Agriculture Loan Scheme
Prime Minister of Pakistan Mian Muhammad Shahbaz Sharif launched the PM Youth Business and Agriculture Loan Scheme, through which residents of Pakistan aged 21 to 45 years will be able to get business and agriculture loans from the Government of Pakistan to promote their business and agriculture sector.
The Government of Pakistan states that individuals seeking to benefit from this program should visit the Prime Minister’s Youth Business and Agriculture Loan Scheme website and complete their registration process, allowing them to receive business and agriculture loans from the Government of Pakistan. The Government of Pakistan states that this scheme aims to promote the country’s economy.
They also want the import and export business can be promoted in the country, which will improve the country’s economy. Apart from this, the agriculture sector can be expanded, so that the economic condition of the country can improve. If you also want to get a business and agriculture loan from the Government of Pakistan, then for this, you will have to provide some of your information and documents.
You are being informed in this article about the complete procedure for whom the PM Youth Business and Agriculture Loan Scheme is for, how you can register yourself in this scheme, and what documents you have to provide for registration, so read the article from beginning to end.
Fetchers of the PM Youth Business and Agriculture Loan Scheme
This initiative is designed to empower the youth of Pakistan economically. It provides easy access to loans for both business and agricultural purposes. The government aims to:
- Strengthen Pakistan’s economy
- Promote import and export businesses
- Boost the agriculture sector
- Encourage self-employment and entrepreneurship
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Who is Eligible for the PM Youth Business and Agriculture Loan Scheme?
Not everyone can apply. Here are the eligibility conditions:
- Age Limit:
- 21 to 45 years for general businesses
- 18 years minimum for IT or e-commerce-related businesses
- Nationality:
- Must be a Pakistani citizen
- Dual nationality holders are not eligible
- Employment Status:
- Government employees cannot apply
- Education:
- No minimum education is required
- CNIC:
- You must have a valid CNIC issued by NADRA
PM Youth Business and Agriculture Loan Scheme: Loan Tiers and Markup Rates
The loans under the Prime Minister Youth Business and Agriculture Loan Scheme are divided into three tiers based on the loan amount and markup rate:
| Tier | Loan Amount | Markup Rate |
| Tier 1 | Up to Rs. 0.5 million | 0% (interest-free) |
| Tier 2 | Rs. 0.5m – Rs. 1.5 million | 5% |
| Tier 3 | Rs. 1.5m – Rs. 7.5 million | 7% |
You can select any tier depending on your business size, capital needs, and repayment capacity.
How to Register Online for the PM Youth Business and Agriculture Loan Scheme?
To apply, you must register through the official PMYBALS Portal at “pmybals pmyp gov pk”. Step-by-Step Registration Process:
- Visit the PMYBALS website (pmybals pmyp gov pk)
- Enter your CNIC, Issue Date, and Select the Loan Tier
- Click on the “Enter” button to start your application
- Fill out the form step by step with the required details
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Required Information for Registration
1. Personal Information
You will need to provide:
- CNIC number and issue date
- Full name
- Picture of yourself
- CNIC front and back image
- Date of birth
- Father’s or Guardian’s name
- Marital status, religion, and disability status
- Education details and degree image
- Skill set
- Current and permanent address
- Mobile number and alternate number
- Monthly income and expenses
Click “Save & Next” to continue
2. Business Information
- Main location of your business
- Business sector and sub-sector
- Business name and details
- Relevant experience
- Monthly income from business
- Upload any supporting business documents (optional)
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3. Loan Details
- Loan amount required
- Loan tenure (repayment period)
- Purpose of the loan
4. Finance Details
- Type of loan
- Approved limit
- Installment details
5. Terms & Conditions
- Check the box to accept the terms and conditions
- Submit your application
- After submission, your registration is complete
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What Happens After Submission?
Once you apply, all your data will be verified by NADRA and relevant authorities. If your information is correct and complete, you will be eligible to receive the loan under your selected tier.
Which Banks are Offering These Loans?
The following banks are participating in the Prime Minister Youth Business and Agriculture Loan Scheme Tier 1:
- Bank of Punjab
- National Bank of Pakistan
- Askari Bank
- Habib Bank Limited (HBL)
- Bank Habib
- Bank of Khyber
You will receive the loan through any of these banks, based on your selection and eligibility.
Government Helpline Numbers for Support
If you need help, the government has set up regional helplines:
- Punjab: (042) 111-111-456, 99204701-12)
- Balochistan: (081)-2831623 – 2831702
- Khyber Pakhtunkhwa: (091)-111-111-456, 091-9213046-7
- Sindh: (021)-111-111-456
Call these numbers for any query regarding eligibility, banking process, or application status.
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Frequently Asked Questions (FAQs)
Who can apply for the PM Youth Business and Agriculture Loan Scheme?
Pakistani citizens aged 21 to 45 years can apply. For IT and e-commerce businesses, the minimum age is 18.
Can government employees apply for the PM Youth Business and Agriculture Loan Scheme?
No, government employees are not eligible to apply.
Is there any educational requirement to apply for the PM Youth Business and Agriculture Loan Scheme?
No, there is no educational qualification required.
Can dual nationality holders apply for this loan?
No, applicants with dual nationality cannot register under this scheme.
What is the official website for the PM Youth Business and Agriculture Loan Scheme registration?
You can apply at “pmybals pmyp gov pk”
What are the PM Youth Business and Agriculture Loan Scheme loan amounts and interest rates?
- Tier 1: Up to Rs. 0.5 million (0% interest)
- Tier 2: Rs. 0.5m – 1.5 million (5% markup)
- Tier 3: Rs. 1.5m – 7.5 million (7% markup)
What documents are required for registration?
CNIC, photo, business details, monthly income/expenses, and optional business documents.
How will the loan be disbursed?
Through selected banks like Bank of Punjab, NBP, Askari Bank, HBL, Bank of Khyber, and Bank Habib.
Final Thoughts
The PM Youth Business and Agriculture Loan Scheme is a powerful step by the Government of Pakistan to support the youth and promote business growth. Whether you are starting a new business, expanding an existing setup, or investing in the agriculture sector, this loan can give you a strong financial boost.