PMYB&ALS promotes entrepreneurship among youth by providing business loans on simple terms and with less markup through 15 Commercial, Islamic and SME banks.
Applications are submitted online only through this website.
The Prime Minister's Youth Business and Agriculture Loan Scheme gives young Pakistanis access to financing for new and existing businesses, on terms designed to be easier to manage than conventional lending.
Loans are offered through a network of 15 Commercial, Islamic and SME banks, so applicants can work with the banking model that suits them. Applications are made once, online, through this website.
Loan documentation and conditions kept straightforward for first-time borrowers.
Financing structured with reduced markup compared with regular business loans.
Commercial, Islamic and SME banks participating under one scheme.
One online form, submitted through this website only.
All Pakistani residents with entrepreneurial potential are eligible, subject to the age criteria below. There is no separate category for salaried or self-employed applicants.
Applicants must be residents of Pakistan.
The standard age band for all applicants.
IT and e-commerce businesses can apply from the lower end of the age band.
The online form is divided into short steps. Your details are saved as you move through it, so you can complete the application in one sitting.
Check your age, residency and business type against the criteria above.
Keep your CNIC, contact details, business information and bank details ready.
Complete the multi-step form. You receive a reference for your submission.
Your application is reviewed for financing under the scheme.
Financing is delivered through 15 participating Commercial, Islamic and SME banks. Each bank applies the scheme's terms within its own product and approval process.
Conventional financing for business setup, expansion and working capital.
Shariah-compliant financing structures offered under the same scheme terms.
Financing focused on small and medium enterprises and growing businesses.
Short answers to what applicants ask most often.
All Pakistani residents aged between 18 and 60 years with entrepreneurial potential. For IT and e-commerce related businesses, the minimum age is 18 years.
Applicants with IT or e-commerce businesses can apply from 18 years of age, up to 60. All other eligibility requirements remain the same.
No. Applications have to be submitted online only through this website. Bank branches do not accept applications for this scheme.
The scheme operates through 15 Commercial, Islamic and SME banks. The applicable bank is determined during the processing of your application.
Submitting the online application is free. Financing terms, including markup and repayment, are set under the scheme and communicated during processing.
Complete the online application in a few minutes. Have your CNIC, contact and bank details ready before you start.
Start your application