Prime Minister's Youth Business & Agriculture Loan Scheme (PMYBALS) ke tehat naujawan karobar ya zarat ke liye asaan sharait par qarz hasil kar sakte hain. 10 November 2026 ko PM Youth Programme ke Chairman Rana Mashood Ahmad Khan ne elaan kiya ke is scheme mein qarz ki ziyada se ziyada had Rs. 75 lakh se barha kar Rs. 2 crore 50 lakh (Rs. 25 million) kar di gayi hai. Is post mein scheme ka mukammal tareeqa-e-kaar aur zaroori maloomat aasan zuban mein di ja rahi hain.
Prime Minister's Digital Youth Hub: www.pmyp.gov.pk
Ya PMYP Mobile App (Google Play Store aur Apple App Store par)
📝 Official Portal Kholein
1. Kaun apply kar sakta hai?
- Umar 21 se 45 saal.
- IT aur E-commerce ke shobe mein apply karne walon ke liye umar ki had 18 saal se shuru hoti hai.
- Naye karobar (new venture) aur pehle se chalte karobar (existing business), dono ke liye scheme khuli hai.
- Karobar aur zarat (agriculture) dono shobon ke liye, aur Islamic financing ki sahulat bhi mojood hai.
- Behtar hai ke wo log apply karein jin ke naam par pehle se koi karobar mojood ho, kyunke manzoori se pehle karobar ki tasdeeq (verification) ki jati hai.
2. Qarz ke Tiers aur Sood ki tafseel
| Tier | Qarz ki raqam | Sood / Markup |
|---|---|---|
| Tier 1 | Rs. 5 lakh tak | 0% (bila sood) |
| Tier 2 | Rs. 5 lakh se Rs. 15 lakh tak | 5% |
| Tier 3 | Rs. 15 lakh se Rs. 75 lakh tak | 7% |
| Tier 4 (naya) | Rs. 75 lakh se Rs. 2.5 crore tak | 8% (adaigi ki muddat 8 saal tak) |
| Tier 5 | Laptop ke liye Rs. 4.5 lakh tak; bairoon-e-mulk jane walon ke liye Rs. 10 lakh tak | 0% (bila sood) |
Dhyan dein: bila sood qarz (Tier 1) mein aap ko sirf wohi raqam wapas karni hoti hai jo aap ne li. Raqam 5 lakh se zyada hone par sood ki sharah ek hi nahi hoti, balki raqam ke hisab se 5%, 7% ya 8% hoti hai.
3. Apply karne ka tareeqa
- www.pmyp.gov.pk par jayein ya PMYP mobile app download karein.
- Apne CNIC aur mobile number se registration karein.
- Apna karobari mansooba, qarz ki raqam aur qarz ka maqsad likhein.
- Online form mukammal kar ke jama karwayein aur milne wala tracking ID mehfooz rakhein.
- Application ka status portal ya app mein dekhte rahein.
- Application approve hone par uska print nikalwa lein.
- Phir muta'alliqa bank / daftar jayein jahan aap ki file tayyar ki jayegi.
- File tayyar hone ke baad muta'alliqa team aap ke karobar ki physical verification karegi.
PM Youth Programme ke Chairman ke mutabiq kisi agent ya sifarish ki zaroorat nahi, aur bank har application ka faisla meritfari karta hai.
4. Karobar ki verification kaise hoti hai?
Muta'alliqa team aap ke karobar ya karobari mansoobe ka jaiza leti hai. Aap ko team ko in baton par mutmain karna hota hai:
- Aap ka karobar waqai mojood hai, ya aap ke paas qabil-e-amal karobari mansooba hai.
- Aap qarz kis maqsad ke liye lena chahte hain.
- Aap is karobar ko kis tarah aage barhayenge.
- Aap qiston ki baqaidgi se wapsi ki salahiyat rakhte hain.
Agar team aap ke karobar aur mansoobe se mutmain ho jaye to qarz ki manzoori ka agla marhala mukammal hota hai.
5. Scheme ke bare mein aham ankre
- Maali saal 2026-27 ke liye Rs. 292.5 arab ka hadaf muqarrar kiya gaya hai.
- Is se takreeban 2,66,700 naujawanon ko qarz diye jane ka mansooba hai.
- Takreeban har 4 mein se 3 faida uthane walon ko Tier-1 ka bila sood qarz milne ka andaza hai.
- Elaan ke mutabiq naujawanon ne 99% se zyada qarz wapas kiye hain.
6. Zaroori wazahat
Dhoke se bachein
- Apply karne ke liye kisi ko paise na dein. Scheme ke official zariye mein agent ki zaroorat nahi.
- Sirf www.pmyp.gov.pk aur official PMYP app istemal karein.
- Apna CNIC, OTP ya bank ki zaati maloomat kisi ajnabi ko na dein.
- "Pakki manzoori" ya "guarantee wali loan" ka wada karne walon se door rahein.
Tayyari ki list
- CNIC (asal aur copy) aur apne naam par chalta hua mobile number.
- Karobar ka saboot (agar karobar pehle se mojood hai), jaise dukan ki tasveer, ijazat nama ya bills.
- Karobari mansooba (kya karna hai, kitni raqam chahiye, kahan kharch hogi).
- Qarz ki wapsi ka mansooba (maheenay ki qist kitni ho sakti hai).
Aksar poochay jane wale sawalat
Kya 5 lakh tak ka qarz waqai bila sood hai?
Ji haan, Tier-1 mein Rs. 5 lakh tak ka qarz 0% sood par hai.
Kya naya karobar shuru karne ke liye bhi qarz mil sakta hai?
Ji haan, scheme naye aur pehle se chalte karobar, dono ke liye hai.
Kya agent ke zariye apply karna zaroori hai?
Nahi. Elaan ke mutabiq kisi agent ya sifarish ki zaroorat nahi, apply online hota hai.
Kya application jama karne se qarz pakka mil jata hai?
Nahi. Aakhri manzoori bank ki tasdeeq, karobar ki verification aur sharait par mabni hai.
Note: Ye post PM Youth Programme ke 10 November 2026 ke elaan aur dastiyab maloomat ki bunyad par tayyar ki gayi hai. Taza tareen sharait aur maloomat ke liye www.pmyp.gov.pk dekhein.
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