PM Youth Loan Scheme 2026-27 Apply Online at pmyp.gov.pk
PM Youth Loan Scheme 2026-27 has been announced by the Government of Pakistan through an official advertisement of the Ministry of Information and Broadcasting. Under the Prime Minister’s Youth Loan Scheme for Business and Agriculture, the government has allocated Rs 292.5 billion for the financial year 2026-27. Young Pakistanis can get loans from Rs 5 lakh up to Rs 2 crore 50 lakh for new and existing businesses and for agricultural activities, at markup rates from zero to 8 percent. Applications are invited online through the Prime Minister’s Digital Youth Hub at pmyp.gov.pk. This page gives the complete tier detail, eligibility and apply method, taken from the official advertisement.
Parho Pakistan is not a part of the PM Youth Programme. Always confirm the details from the official portal pmyp.gov.pk before you apply.
| Status | Open (financial year 2026-27) |
| Announced | Official advertisement, Ministry of Information and Broadcasting, PID No. (I) 4305-D/26 |
| Last Date | No last date is printed in the advertisement. It is an ongoing programme for 2026-27, so apply as early as possible. |
| Apply Online | pmyp.gov.pk (Prime Minister’s Digital Youth Hub) |
Key Takeaways
- The government has allocated Rs 292.5 billion for the PM Youth Loan Scheme in the financial year 2026-27.
- Loans are offered in 4 tiers: up to Rs 5 lakh at zero markup, Rs 5 to 15 lakh at 5 percent, Rs 15 to 75 lakh at 7 percent, and up to Rs 2 crore 50 lakh at 8 percent.
- Pakistani citizens aged 21 to 45 years can apply. For IT and e-commerce businesses, the minimum age is 18 years.
- Youth who want to go abroad for employment can also get an interest free loan of up to Rs 10 lakh under this scheme.
PM Youth Loan Scheme 2026-27 at a Glance
| Scheme | Prime Minister’s Youth Loan Scheme (Business and Agriculture) |
| Allocation 2026-27 | Rs 292.5 billion |
| Loan Amount | Rs 5 lakh to Rs 2 crore 50 lakh (in 4 tiers) |
| Markup Rate | 0 to 8 percent, according to the tier |
| Age Limit | 21 to 45 years (18 years for IT and e-commerce) |
| Who Can Apply | Pakistani citizens, for new and existing businesses and viable agricultural activities |
| Overseas Employment | Interest free loan up to Rs 10 lakh |
| Application Fee | No fee is mentioned in the advertisement |
| Apply Through | Online at pmyp.gov.pk |
Loan Tiers and Markup Rates
The scheme gives loans on easy terms for small and medium businesses and for agriculture. The amount and markup depend on the tier you choose.
| Tier | Loan Amount | Markup Rate |
|---|---|---|
| T-1 | Up to Rs 5 lakh | Zero (interest free) |
| T-2 | Rs 5 lakh to Rs 15 lakh | 5 percent |
| T-3 | Rs 15 lakh to Rs 75 lakh | 7 percent |
| T-4 | Up to Rs 2 crore 50 lakh | 8 percent |
Tier 1 is fully interest free, which is best for a very small business or a small farming need. Bigger businesses can use Tier 3 and Tier 4, where the amount is higher but a markup of 7 to 8 percent applies. Choose the tier that matches your real business need, because the bank checks your business and your repayment capacity before approval.
Interest Free Loan for Overseas Employment
The advertisement also gives a special facility for young people who want to go abroad for a job. Such youth can get an interest free loan of up to Rs 10 lakh. This amount can help with the cost of travel documents, tickets and other expenses of overseas employment. The same online portal, pmyp.gov.pk, is used for the application.
Record of the Scheme So Far
According to the official advertisement, from January 2023 to September 2026, an amount of Rs 314 billion has already been distributed among 5 lakh 81 thousand young people under this programme. The new allocation of Rs 292.5 billion for 2026-27 shows that the scheme is continuing at a large scale for the next financial year as well.
Who Can Apply
- The applicant must be a citizen of Pakistan.
- Age must be between 21 and 45 years.
- For IT and e-commerce businesses, applicants from 18 years of age can apply.
- The loan can be taken for a new business or for an existing business.
- Agricultural loans are for viable agricultural activities.
- Youth seeking employment abroad can apply for the interest free loan of up to Rs 10 lakh.
How to Apply Online
- Open the Prime Minister’s Digital Youth Hub at pmyp.gov.pk.
- Select the Prime Minister’s Youth Loan Scheme (Business and Agriculture) application.
- Fill the online application form with your personal details, your business or agriculture activity detail, and the loan tier and amount you need.
- Submit the form online. Keep your CNIC and basic business information ready before you start.
- After submission, the bank will check and verify your application. Loan approval is subject to the rules of the scheme and the scrutiny of the bank, as clearly stated in the advertisement.
The advertisement does not list any documents and does not mention any application fee. If the portal or the bank asks for documents during checking, provide only genuine documents of your own business.
Selection and Approval
There is no test or interview for this scheme. Every application is checked by the bank under the scheme rules. The bank looks at your business, your activity and your ability to repay the loan in monthly instalments. If your business is real and your plan is workable, your chances of approval are better. A loan is a responsibility: the full amount, with markup where it applies, has to be repaid to the bank, so borrow only the amount your business actually needs.
Important Dates
| Allocation Announced For | Financial year 2026-27 |
| Applications | Open online at pmyp.gov.pk |
| Last Date | Not announced in the advertisement |
Fraud Warning
Apply only through the official portal pmyp.gov.pk. No agent, middleman or office can approve your loan, and nobody is authorised to take money for this scheme. If any person asks for a commission or a fee for approval, it is fraud. Also be careful of fake websites and fake social media pages that copy the name of the PM Youth Programme. The official address given in the government advertisement is only pmyp.gov.pk.
Official Advertisement and Contact
This advertisement is issued by the Ministry of Information and Broadcasting, Government of Pakistan, under PID No. (I) 4305-D/26, for the Prime Minister’s Youth Programme. The complete official advertisement is given below. Read it fully, and apply through the Prime Minister’s Digital Youth Hub at pmyp.gov.pk.
Official Advertisement
Related Schemes
- Parwaz Card 2026 Interest Free Business Loans in Punjab
- Ehsaas Naujawan Program Interest Free Loans in Khyber Pakhtunkhwa
- Punjab Rozgar Scheme Apply Online
Frequently Asked Questions
How much loan can I get under the PM Youth Loan Scheme 2026-27?
The scheme has four tiers. You can get up to Rs 5 lakh in Tier 1, Rs 5 lakh to Rs 15 lakh in Tier 2, Rs 15 lakh to Rs 75 lakh in Tier 3, and up to Rs 2 crore 50 lakh in Tier 4. The tier depends on the size of your business and your need.
What is the markup rate of the PM Youth Loan Scheme?
Tier 1 loans are fully interest free. Tier 2 carries 5 percent markup, Tier 3 carries 7 percent markup, and Tier 4 carries 8 percent markup. Youth going abroad for employment can get up to Rs 10 lakh interest free. These are the rates printed in the official government advertisement for 2026-27.
Who can apply for the PM Youth Loan Scheme 2026-27?
Every Pakistani citizen aged 21 to 45 years can apply for a new or existing business, or for a viable agricultural activity. For IT and e-commerce businesses, the minimum age is 18 years. Youth who want to go abroad for a job can apply for the interest free overseas employment loan.
How can I apply online for the PM Youth Loan Scheme?
Go to the Prime Minister’s Digital Youth Hub at pmyp.gov.pk, open the Youth Loan Scheme (Business and Agriculture) application, fill the online form with your details and business information, and submit it. After that, the bank checks your application under the scheme rules and contacts you about the next steps.
What is the last date to apply for the PM Youth Loan Scheme 2026-27?
The official advertisement does not print any last date. The government has allocated Rs 292.5 billion for the financial year 2026-27, and applications are taken online at pmyp.gov.pk. Because bank checking takes time and funds are given under the scheme rules, it is better to apply as early as possible.
