Empowering Entrepreneurs: Bank Alfalah’s Support Through PM’s Youth Business & Agri Loan Scheme
PM Youth Loan Scheme 2025: Entrepreneurship in Pakistan is evolving — and Bank Alfalah is playing a key role in making business dreams a reality. Through various financing options, including the Prime Minister’s Youth Business & Agriculture Loan Scheme (PMYB&ALS), the bank is helping young entrepreneurs and farmers across the country grow their ventures and secure their future.
Whether you’re launching a startup, expanding a small business, or looking to finance your agricultural needs, Bank Alfalah’s SME and Agri Loan products offer tailored support, low interest rates, and simplified application procedures.
🌱 PM Youth Loan Scheme 2025: What Is the PM’s Youth Business & Agriculture Loan Scheme (PMYB&ALS)?
This government-backed initiative aims to uplift young Pakistani entrepreneurs and farmers by offering low-interest, accessible loans. Bank Alfalah is among the key banks implementing this scheme to help drive innovation and job creation across various sectors.
✅ Who Can Apply for PM Youth Loan Scheme 2025?
You’re eligible if you:
- Are a Pakistani citizen with a valid CNIC
- Are 21 to 45 years old (18+ for IT sector with Matric education)
- Are a sole proprietor, partner, or company director within the age limit
- Own a startup or existing SME
- Are an agricultural entrepreneur as per SBP guidelines💼
What’s Being Offered?
You can apply for two types of financing:
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Long-Term / Development Loans
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Tenor: Up to 8 years
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Grace period: Up to 1 year
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Working Capital / Production Loans
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Tenor: Up to 5 years
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Grace period: Option to pay only markup for first 2 years
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💰 PM Youth Loan Scheme 2025: Loan Tiers & Details
| Tier | Loan Amount | Interest Rate | Equity Requirement | Security |
|---|---|---|---|---|
| T2 | PKR 500,001 – 1.5 Million | 5% per annum | New: 90:10 | Personal guarantee only |
| T3 | PKR 1.5 Million – 7.5 Million | 7% per annum | New: 80:20 | As per bank’s credit policy |
✅ Women Empowerment: 25% of loans are reserved for female entrepreneurs.
🌍 Coverage and Sectors
This scheme is open to all business sectors across Pakistan, including:
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Agriculture
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Manufacturing
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Services
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Technology
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Retail
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and more
📝 How to Apply for PM Youth Loan Scheme 2025?
Apply online through the official PM Youth Portal:
🔗 Apply Now
Processing Time: Regulatory TAT is 45 days (as per SBP Circular No. 12 of 2022).
🛠️ Bank Alfalah’s SME Toolkit
Beyond loans, Bank Alfalah provides a complete support system for entrepreneurs via its SME Toolkit, which includes:
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Business planning guidance
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Financial tools and templates
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Market access resources
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Capacity-building workshops
👩💼 Personal & Corporate Banking Services
PM Youth Loan Scheme 2025: In addition to SME and Agri loans, Bank Alfalah offers a range of financial services for individuals and businesses:
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Personal Banking: Savings, digital accounts, credit cards
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Corporate Banking: Trade finance, cash management, and customized corporate solutions
📍 Need Help?
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Find a Branch/ATM
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24/7 Helpline: 📞 111-225-111
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Contact via Website
Bank Alfalah is committed to financial inclusion and entrepreneurial development. Whether you’re a young innovator, a female founder, or a farmer seeking growth — your journey starts here.
