Prime Minister Youth Business Agriculture Loan Scheme ne naujawanon aur kisano ke liye ek khaas program shuru kiya hai jiska naam hai PM Youth Business & Agriculture Loan Scheme. Iska maqsad hai ke log asaani se qarz hasil kar ke apna business ya zaraati kaam shuru ya barha saken.
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💸 Qarzon Ki Categories Aur Sood Ki Sharah
Ye scheme teen mukhtalif tiers mein taqseem hai:
✅ Tier 1 (T1):
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Qarz Ki Miqdaar: PKR 500,000 tak
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Sood: 0% (Bilkul Bina Sood)
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Muddat: 3 saal tak
✅ Tier 2 (T2):
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Qarz Ki Miqdaar: PKR 500,001 se 1.5 million tak
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Sood: 5%
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Muddat: 8 saal tak (1 saal ka grace period shamil)
✅ Tier 3 (T3):
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Qarz Ki Miqdaar: PKR 1.5 million se 7.5 million tak
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Sood: 7%
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Muddat: 8 saal tak (1 saal ka grace period shamil)
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🔧 Qarz Ka Maqsad
Yeh qarz aap in kaamon ke liye use kar saktay hain:
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Naya business shuru karna ya pehla business barhana
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Samaans aur machinery khareedna
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Local tor par tayar commercial vehicle lena
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Zaraati production ya development ke liye loan lena
💰 Apni Hissadari (Equity)
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Tier 2 ke liye: Nai business par 10% lagana zaroori hai
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Tier 3 ke liye: 20% tak apni taraf se lagana hoga
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Jo business pehle se chalta ho: Us ke liye koi equity nahi chahiye
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🔐 Collateral (Zamanat) Ki Zarurat
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Tier 1: Koi security nahi
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Tier 2: Sirf ek personal guarantee
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Tier 3: Zamanat bank ke rules ke mutabiq hogi (jaise ke vehicle hi guarantee banega)
👤 Kaun Apply Kar Sakta Hai?
Umar Ki Had:
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Aam business ke liye: 21 se 45 saal
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IT aur e-commerce ke liye: 18 se 45 saal
Nationality: Sirf Pakistani shakhsiat ho aur valid CNIC ho
Taleem:
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IT ya e-commerce ke liye kam az kam Matric hona chahiye
Business Type:
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Koi bhi shakhs ya group apply kar sakta hai (partnership ya company)
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Kam az kam ek shakhs eligible age mein hona chahiye
Sectors: Har qisam ke karobar zaraat, services, manufacturing, e-commerce waghera
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📝 Apply Karne Ka Tareeqa
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Website par jaayein: https://pmybals.pmyp.gov.pk
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Online application form bharain
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CNIC, business plan aur zaroori documents attach karein
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PKR 100 ka ek martaba ka NADRA verification fee ada karein
🏦 Partner Banks
Ye qarz neeche diye gaye banks ke zariye diya jata hai:
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National Bank of Pakistan (NBP)
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Bank of Punjab (BOP)
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Habib Bank Limited (HBL)
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Meezan Bank
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Bank Alfalah
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Allied Bank Limited
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Bank Al Habib
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Sindh Bank
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Zarai Taraqiati Bank Limited (ZTBL)
👩💼 Khawateen Ke Liye Khaas Hissa
Is scheme ka 25% quota khawateen ke liye rakha gaya hai, taake wo bhi apna karobar shuru kar saken.
🔁 Do Qisam Ke Loans Ka Option
Aap short-term aur long-term dono loans ek sath le saktay hain – bus ye zaroori hai ke dono ka total PKR 7.5 million se zyada na ho.
🌾 Kisano Ke Liye Support
Zaraati production aur development ke liye khas loan options bhi diye ja rahe hain, taake kisano ka rozgar behtar ho.
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📞 Rabta Ki Tafseelat
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Website: https://pmybals.pmyp.gov.pk
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Helpline: 0800-77000
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Email: info@pmyp.gov.pk
✨ Aakhri Baatein
Yeh scheme Pakistan ke naujawanon aur kisano ke liye ek qeemti moka hai. Is se na sirf rozgar barhega, balkay apna business shuru karne ka sapna bhi pura ho sakta hai. Har wo shakhs jo kuch kar dikhana chahta hai, is platform ko use kar ke apni zindagi badal sakta hai.