The PM Youth Business and Agriculture Loan Scheme 2025 is one of Pakistan’s largest government-supported financing programs designed to support entrepreneurs, youth, farmers, SMEs, freelancers, e-commerce businesses, and anyone who wants to launch or expand a business.
This guide explains how to apply, loan amounts, markup rates, eligibility, documents, bank process, and step-by-step requirements—everything you need in one place.
What Is the PM Youth Business & Agriculture Loan Scheme?
This national program provides affordable business and agriculture loans to young Pakistanis for:
- Starting a new business
- Expanding an existing business
- Purchasing machinery or equipment
- Working capital
- Agriculture development & production
The goal is simple: create jobs, support SMEs, strengthen agriculture, and boost entrepreneurship in Pakistan.
2025 Loan Structure — Tier 1, Tier 2 & Tier 3 Explained
The loan scheme is divided into three tiers, each with different financing limits, markup, and requirements.
✔ Tier 1 (T1)
- Loan Amount: Up to Rs. 500,000
- Markup: 0% to 3% (depending on sub-type)
- Security: Easy conditions / guarantor based
- Ideal For: Home businesses, freelancers, micro setups, retail stalls
✔ Tier 2 (T2)
- Loan Amount: Above Rs. 500,000 up to Rs. 1.5 million
- Markup: Around 5%
- Security: Personal guarantee / flexible documentation
- Ideal For: Small production units, retail shops, service businesses
✔ Tier 3 (T3)
- Loan Amount: Above Rs. 1.5 million up to Rs. 7.5 million
- Markup: Around 7%
- Security: Collateral/asset-backed (bank dependent)
- Ideal For: Medium businesses, factories, machinery purchase, food processing units
What You Can Use the Loan For (Allowed Uses)
✔ Business & Startup Projects
- Retail shops
- Manufacturing units
- Food stalls
- Wholesale trading
- E-commerce businesses
- IT & freelancing setups
- Construction-related businesses
✔ Agriculture Projects
- Crop farming
- Livestock
- Dairy farming
- Poultry
- Fish farming
- Agriculture machinery
- Cold storage
- Greenhouse farming
✔ Working Capital
Includes:
- Inventory purchase
- Daily operating expenses
- Salaries
- Digital tools/software
❌ Not Allowed
- Personal use
- Loan repayment of another bank
- Gambling or illegal activities
Eligibility Criteria — Who Can Apply?
To qualify for the PM Youth Loan:
✔ Age Requirements
- 21–45 years for general businesses
- 18 years minimum for IT, tech & e-commerce (with basic education)
✔ Nationality
- Must be a Pakistani citizen with valid CNIC
✔ Business Requirements
- New startups OR existing businesses
- Sole proprietors, partnerships & companies all eligible
✔ Education
- No strict degree requirement
- Business-related skills/experience preferred
- IT applicants must meet minimum education criteria
✔ Gender
- Male, female, and transgender individuals can apply
- Women applicants receive priority processing
Documents Required (Simple Checklist)
Prepare the following before applying:
- CNIC (front/back)
- Passport-size photo
- Bank account details
- Phone number & email
- Business plan (1–2 pages)
- Proof of business (if existing)
- Utility bill (optional but helpful)
- NTN (optional but recommended for SMEs)