Government Youth Loan Scheme for Business in Pakistan 2026
Pakistan mein berozgari ek bara masla ban chuki hai. Jobs kam hoti ja rahi hain jabke youth ki tadaad barhti ja rahi hai. Isi problem ko solve karne ke liye Government of Pakistan ne Youth Loan Scheme for Business start ki hai, jiska sab se mashhoor program Prime Minister Youth Business & Agriculture Loan Scheme (PMYB&ALS) hai.
Yeh scheme Pakistani youth ko asan sharaait par business loan provide karti hai taake wo apna karobar shuru kar saken aur doosron ko bhi rozgar de saken.
Government Youth Loan Scheme Kya Hai?
Government Youth Loan Scheme ek official program hai jo youth ko business aur agriculture ke liye loan deta hai. Is ka maqsad yeh hai ke:
Youth khud ka business start kare
Job seekers, job creators banen
Small aur medium businesses ko support mile
Pakistan ki economy strong ho
Yeh loan State Bank of Pakistan ke zariye mukhtalif banks se milta hai jaise:
National Bank of Pakistan
Bank of Punjab
Meezan Bank
HBL
UBL
Allied Bank
Prime Minister Youth Business Loan – Key Features
Loan Amount
Is scheme ke tehat:
1 lakh rupay se 75 lakh rupay tak ka loan milta hai
Loan 3 categories (tiers) mein divide hota hai
Interest Rate
Bohat kam markup / subsidized interest
Kuch cases mein interest free loan bhi mil sakta hai (government subsidy ke sath)
8 saal tak repayment time
1 saal ka grace period bhi hota hai taake business set ho jaye
Eligibility Criteria (Kaun Apply Kar Sakta Hai?)
Youth loan scheme apply karne ke liye:
Pakistani citizen hona zaroori hai
Age limit: 21 se 45 saal
Valid CNIC hona chahiye
Business idea ya plan hona chahiye
Students, jobless youth aur freelancers bhi apply kar sakte hain
Women entrepreneurs ke liye special quota available hai
Kin Businesses Ke Liye Loan Milta Hai?
Government almost har legal business ko support karti hai.
Small Business Ideas
General store / grocery shop
Mobile shop
Online business / e-commerce
Beauty parlour / salon
Tailoring business
IT & Freelancing
Software house
Digital marketing agency
Freelancing setup
Web development aur AI services
Agriculture & Livestock
Poultry farming
Dairy farming
Crop farming
Greenhouse business
Manufacturing
Garments unit
Food processing
Packaging business
Government Youth Loan Scheme Apply Karne Ka Tareeqa
Step by Step Process:
1. Online Application
Prime Minister Youth Program ki official website par ja kar form fill karein
2. Business Plan Submit Karein
Simple aur realistic business plan likhein
3. Bank Verification
Bank aapki information aur business feasibility check kare ga
4. Interview / Assessment
Kuch cases mein interview bhi hota hai
5. Loan Approval
Approval ke baad loan amount release kar diya jata hai
Required Documents
Apply karte waqt yeh documents chahiye hotay hain:
CNIC ki copy
Passport size photographs
Business plan
Educational certificates (agar available hon)
Bank account details
Youth Loan Scheme Ke Faiday
✔ Kam interest ya interest free loan
✔ Asan qistain
✔ Lamba repayment time
✔ Government support
✔ Apna business start karne ka moka
✔ Self-employment aur income growth
Common Mistakes Jo Avoid Karni Chahiye
❌ Adhoori application submit karna
❌ Weak ya unrealistic business plan
❌ Ghalat information dena
❌ Non-serious approach
👉 Tip: Hamesha simple, practical aur realistic business idea present karein.
Pakistani Youth Ke Liye Yeh Scheme Kyun Best Hai?
Is waqt Pakistan mein jobs limited hain aur competition bohat zyada hai. Aise mein apna business hi future hai. Government youth loan scheme youth ko financial support ke sath confidence bhi deti hai ke wo apne pairon par kharay ho saken.
Final Words
Government Youth Loan Scheme for Business in Pakistan har us youth ke liye ek go
lden opportunity hai jo:
Job na milne se pareshan hai
Apna business start karna chahta hai
Pakistan ke liye kuch karna chahta hai
Agar aap mehnat aur planning ke sath apply karein to yeh scheme aap ki zindagi badal sakti hai.
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