How To Apply PM Youth Business and Agriculture Loan Program 2026
Are you also wondering how to start your business in 2026 when there is little money or no investment? Ifyour answer is yes, then in this article, we will provide the details of the PM Youth Business and Agriculture Loan Program 2026, launched by the Government of Pakistan.
This is an initiative for those people who want to turn their ideas into reality but do not have financial support.
This scheme provides you with interest-free and low-interest loans so that you can start your business or startup confidentially. In this article, we will know what this scheme is, how to apply and what its benefits are.
PM Youth Business and Agriculture Loan Program 2026 Introduction
The Government of Pakistan has launched the PM Youth Business and Agriculture Loan Program 2026, with the primary objective of providing interest-free and low-interest loans to the young generation to start their own businesses.
This program is a part of the Prime Minister’s Youth Business and Agriculture Program (PMYP&ALS), which is designed to make the youth of Pakistan self-reliant and financially independent.
The primary objectives of this program include providing internship opportunities to Pakistan’s youth, enhancing their employment prospects, promoting financial independence for women and youth, and fostering the growth of local businesses and startup ecosystems.
What is the PM Youth Business & Agriculture Loan Program 2026?
The PM Youth Business and Agriculture Loan Program is a financial support initiative introduced by the government, especially for young entrepreneurs, students, and small business owners. Through this scheme, tier-based loans are being given to eligible applicants, with which they can start their new business or expand their existing business further. That is, if you have a good business idea but no money, then this scheme is the perfect opportunity for you.
Objectives of the Program
- Providing entrepreneurship opportunities to Pakistan’s youth
- Reducing the unemployment rate
- Giving Women and Youth Financial Independence
- Growing the local business and startup ecosystem
PM Message For Youth
The Prime Minister of Pakistan says that Pakistan’s youth is the greatest strength of our nation. Our effort is to ensure that every young Pakistani achieves his or her right by fulfilling his or her dreams.
The PM Youth Loans Scheme is not just a financial aid but a movement that has been launched to empower every person who wants to change their life through their hard work. I want every student, every freelancer, and every young entrepreneur to believe in their skills and ideas. The government stands with them.
Their dreams are no longer just dreams. We will help them make them a reality. The future of Pakistan will be bright when our youth not only do jobs but also create new jobs. This program is the first step of this mission.
Many programs have been launched for the youth by the CM of Punjab and the Government of Pakistan, including the Honhar Scholarship Program, Socio-Economic Registry Program, and the Magnificent Tourism Internship Program.
Loan Categories
These tiers provide information on loan amount, interest rate, repayment, etc. In Tier One, an amount of up to 0.5 million is being given, in Tier Two, this amount is up to 1.5 million, and in Tier Three, an amount of 1.5 million to 7.5 million is being given. In Tier One, the repayment period is three years, in Tier Two, five years, and in Tier Three, up to seven years.
TIER | Loan Amount | Interest Rate | Repayment Period |
|---|---|---|---|
Tier 1 | Up to Rs. 0.5 Million | Interest free | 3 Years |
Tier 2 | Rs. 0.5 Million – Rs. 1.5 Million | 5% | 5 Years |
Tier 3 | Rs. 1.5 Million – Rs. 7.5 Million | 7% | 7 Years |
Each tier has its own eligibility and documentation requirements, but the process is simple and transparent.
Eligibility Criteria
If you want to apply for the PM Youth Business and Agriculture Loan Program 2026, you have to fulfill the criteria given below, in which the citizen must be Pakistani, the age limit must be between 21 and 45 years, and the applicant can be from any province in Pakistan, Punjab, Sindh, Khyber Pakhtunkhwa, Balochistan, or Azad Jammu and Kashmir.
- Applicant must be a citizen of Pakistan.
- Minimum education should be matriculation. It is better if you have business knowledge.
- CNIC must be valid
- Must have a feasible business plan or startup idea
- Applicants from all provinces, Punjab, Sindh, KP, Balochistan, AJK, and JB are eligible.
- Applicants from all provinces, Punjab, Sindh, Khyber Pakhtunkhwa, Balochistan, Azad Jammu and Kashmir, and Gilgit-Baltistan are eligible.
Required Documents
Before submitting your application for the PM Youth Business and Agriculture Loan Program 2026, you will have to keep the documents ready, including your CNIC, recent passport-size photos, education certificate, bank account details, domicile certificate, business proposal, NTN, and an optional existing business.
- CNIC Computerized National Identity Card
- Recent passport-size photos
- Educational Certificate
- Bank account details
- Domicile Certificate
- Business Proposal and Feasibility Plan
- NTN Optional for Exiting Business
After completing these documents, you can apply for the PM Youth Loan Scheme 2026.
Important Dates
Activity | Date |
|---|---|
Application Start | October 2025 |
Last Date to Apply | 30 November 2025 |
Result Announcement | December 2025 |
Loan Disbursement | From January 2026 |
How To Apply Online PM Youth Business and Agriculture Scheme
If you want to apply online for the PM Youth Business and Agriculture Loan Program 2025, then you can apply online by following the steps given in this article, in which you will have to visit their official website, register your data, and fill out the application form.
Step 1: Visit the Official Website
- Go to Website
- Click on the” Youth Business Loan” section
Step 2: Register Yourself
- Enter CNIC number
- Create your account
- Fill personal details (name, address, contact info)
Step 3: Fill Application Form
- Select your Loan category (Tier 1, 2, or 3)
- Enter business details and the amount required
- Upload the required documents
Step 4: Submit Form
- After form completion, click on ”Submit Application”
- A confirmation message will appear, and you’ll receive an application tracking ID
Step 5: Verification & Approval
- Bank officers verify documents
- If approved, the loan amount is transferred directly to your bank account
Partner Banks Under the PM Youth Business and Agriculture Loan Program 2025
The government has included multiple banks in this program so that the applicant can select a bank according to their convenience. Bank partners include National Bank of Pakistan, Bank of Punjab, Al Habib Meezan Bank, Habib Bank Limited, United Bank Limited, and JS Bank.
- National Bank of Pakistan (NBP)
- Bank of Punjab (BOP)
- Bank Al Habib
- Meezan Bank
- Habib Bank Limited (HBL)
- United Bank Limited (UBL)
- Allied Bank
- JS Bank
- Zarai Taraqiati Bank (for agriculture-based projects)
Eligible Sectors for Loan
Almost every sector of business is eligible under the PM Youth Business and Agriculture Loan Program, like Agriculture and Livestock Project, Food Industry and Restaurant, IT Start-up, Service Providers, Tailoring Salon, Repair Shop, etc.
- Agriculture and Livestock projects
- Small manufacturing units
- Food Industry and Restaurants
- IT startups and freelancing setup
- Retail and wholesale business
- E-commerce platforms
- Service providers( tailoring, salon, repair shop, etc.)
Key Benefits of the Loan Program
The Government of Pakistan has launched the PM Youth Business and Agriculture Loan Program, which has many benefits, some of which will be told to you in this article, including benefits such as interest-free loans, flexible repayment periods, government guarantee, business guidance, equal opportunities for both men and women, special quota for women entrepreneurs, and an online tracking system.
- Interest-free loans up to Rs 0.5 million
- Flexible repayment period up to 7 years
- Government guarantee for transparency and safety
- Business guidance and training support
- Equal opportunity for both men and women
- Special quota for Women entrepreneurs: 25%
- Online tracking system to monitor application status
Youth Loan Scheme Special Quota for Women
The government has fixed a special quota of 25% in this scheme to promote women’s empowerment. This means that out of every four applicants, one seat is reserved exclusively for women entrepreneurs. Women applicants are preferred in projects that have home-based or skill-based business ideas
. The government aims to enable women to become self-dependent through their own home or equipment-level startups. Special preference is given to business ideas that are home-based, handicraft tailoring, and online services-oriented.
Impact of the Program
Expectations from the PM Youth Business and Agriculture Loan Program: More than five lakh businesses will be established, more than one million jobs will be created, women entrepreneurship will double, and the share of the small business sector in Pakistan’s GDP will increase.
- 500,000+ new businesses will be established.
- 1 million+ new jobs will be created.
- Women’s entrepreneurship will double
- The share of the small business sector in Pakistan’s GDP will increase
Conclusion
PM Youth Business and Agriculture Loan Program 2026 is a life-changing opportunity for Pakistan Youth Entrepreneurs. It is not just a loan but a source of confidence and empowerment that is giving every Pakistani youth a chance to start their own business journey.
If you also want to turn your ideas into a reality, then apply now because a decision today can become your success story tomorrow. Dream Big Start Small Youth Loan Scheme is here to turn your dreams into reality.
Frequently asks questions?
1. Who can apply for the PM Youth Loan Scheme 2026?
Any Pakistani citizen aged 21 to 45 years with a valid CNIC and a business idea can apply
2. Is the loan interest-free?
Yes, loans up to Rs. 500,000 Tier 1 are interest-free
3. What is the repayment period?
Repayment time varies from 3 to 7 years, depending on the loan tier
4. Is the scheme available across Pakistan?
Yes, it’s open for all provinces, including Azaad Jammu Kashmir and Gilgit-Baltistan