PM Youth Loan Scheme 2025 – آن لائن اپلائی، اہلیت، مکمل گائیڈ | SHM Jobs
💰 PM Youth Loan Scheme 2025 – Online Apply, Eligibility & Complete Guide in Roman Urdu
Kya aap apna Karobaar (Business) shuru karna chahte hain magar sarmaya (Investment) nahi hai?
Pakistan ke naujawanon ke liye Hukoomat-e-Pakistan ne "Prime Minister Youth Business & Agriculture Loan Scheme 2025" ka aghaz kiya hua hai. Is scheme ke tehat aap 5 Lakh se lekar 75 Lakh rupay tak ka qarza (loan) le sakte hain.
Sab se achi baat yeh hai ke 5 Lakh tak ka loan bilkul Soood (Interest) ke baghair hai. Lekin masla yeh hai ke aksar logon ki darkhwastain (applications) reject ho jati hain kyunke unhein sahi form fill karne ka tariqa nahi aata. SHM Jobs ki is detailed guide mein hum aapko wo sab batayenge jo bank manager bhi nahi batata.
📑 Is Article Mein Kya Hai?
📜 PM Youth Loan Scheme 2025 Kya Hai?
Yeh scheme Wazeer-e-Azam Pakistan ki taraf se shuru ki gayi hai taake mulk mein berozgari kam ho aur naujawan apna business set kar sakein. Ismein na sirf naya karobaar shuru karne ke liye balki purane karobaar ko barhane (Extension) ke liye bhi paise milte hain.
Target Sectors: Agriculture (Kheti bari), IT Professionals, Small Business (Dukan/Store), aur Manufacturing.
📊 Loan Categories (Tiers) - Kitna Paisa Milega?
Hukoomat ne is loan ko 3 hisson (Tiers) mein taqseem kiya hai. Har Tier ki shart alag hai:
| Category | Loan Amount (PKR) | Markup (Sood) Rate | Security Requirement |
|---|---|---|---|
| Tier 1 (T1) | 1 Lakh se 5 Lakh | 0% (Bila Sood) | Personal Guarantee |
| Tier 2 (T2) | 5 Lakh se 15 Lakh | 5% Interest | Assets / Vehicle |
| Tier 3 (T3) | 15 Lakh se 75 Lakh | 7% Interest | Property / Gold / Assets |
*Note: Tier 1 sab se popular hai kyunke usmein koi markup nahi dena parta, sirf asal raqam wapis karni hoti hai.*
🎓 Kaun Apply Kar Sakta Hai? (Eligibility Criteria)
Apply karne se pehle check karein ke aap in sharait par poora utarte hain ya nahi:
- Citizenship: Sirf Pakistani CNIC holders apply kar sakte hain.
- Age Limit: Umar 21 saal se 45 saal ke darmiyan honi chahiye.
Exception: Agar aap IT/E-commerce business kar rahe hain to kam az kam umar 18 saal bhi chalegi (Matric/Intermediate pass hona zaroori hai). - Status: Koi Sarkari Mulazim (Govt Employee) apply nahi kar sakta.
- History: Bank Defaulter na ho (Yani pehle koi loan le kar bhaga na ho).
- Quota: 25% quota khawateen (Women) ke liye makhsoos hai.
🔐 Guarantee Kya Deni Hogi?
Bank free mein paise nahi deta, usay guarantee chahiye hoti hai. Yeh step sab se important hai:
For Tier 1 (Up to 5 Lakh):
Sirf "Personal Guarantee" chahiye. Yani aapke walid, bhai, ya koi dost (jo kamaata ho) bank aa kar sign karega ke "Agar isne paise wapis na kiye to main zimmedar hun". Kisi zameen ya gold ki zaroorat nahi.
For Tier 2 & 3 (Above 5 Lakh):
Yahan aapko "Tangible Security" deni paregi. Jaise ke Property ke kaghazat, Gaari ki registration, ya Gold. Bank loan ki amount ke barabar security maangta hai.
🧮 Loan Calculator: Mahana Qist Kitni Banegi?
Aayein hisaab lagate hain ke agar aap loan lete hain to wapis kaise karna hoga. (Loan tenure: 3 Years Example).
Example Calculation (Tier 1 - 5 Lakh Loan)
- Total Loan: 500,000 PKR
- Markup: 0% (Zero)
- Total Return Amount: 500,000 PKR
- Time Period: 3 Saal (36 Mahinay)
- Monthly Installment: 500,000 ÷ 36 = 13,888 PKR
Matlab aapko har mahinay takreeban 14,000 rupay bank ko wapis karne honge.
💡 SHM Jobs Expert Analysis
Mera zaati tajurba aur mashwara yeh hai ke agar aap Naya Business shuru kar rahe hain, to koshish karein ke Tier 1 (5 Lakh wala) loan lein.
Wajah: Is par koi sood nahi hai aur koi zameen girvi nahi rakhwani parti. Agar aap bara loan (Tier 2) le lete hain aur business na chala, to sood aur qistain aapko pareshan kar sakti hain. Hamesha chotay se start lein.
Success Tip: Form mein "Feasibility Report" (Business Plan) bohat strong banayen. Bank ko yaqeen dilayen ke aapka idea paisa kama kar dega.
📝 Online Apply Karne Ka Tariqa (Step-by-Step)
Ghar baithe apply karne ke liye yeh steps follow karein:
Step 1: PMYP Portal Par Jayen
Sirf official website pmyp.gov.pk par jayen. Kisi agent ko paise na dein.
Step 2: Form Fill Karein
Apna CNIC number dalein. Form mein apni taleem, business ka naam, aur kitna loan chahiye, yeh sab likhein.
Note: Bank ka intekhab (NBP, BOP, HBL) soch samajh kar karein jo aapke ghar ke qareeb ho.
Step 3: Documents Upload
Apni Tasveer, CNIC ki front/back pic, aur Degree ki pic upload karein.
Step 4: Submit & Wait
Submit karne ke baad aapko SMS ayega. Taqreeban 30 se 45 din ke andar Bank numainda aap se rabta karega aur verification ke liye bulaye ga.
⚖️ Pros and Cons of This Scheme
✅ Pros (Faiday)
- Tier 1 Interest Free hai.
- Easy Monthly Installments.
- Business support milti hai.
- Online processing (Transparency).
❌ Cons (Nuqsanat)
- Processing time lamba hai (1-2 months).
- Documentation bohat zyada hai.
- Rejection rate high hai (Agar plan acha na ho).
🔗 Mazeed Parhein (Related Schemes)
❓ Frequently Asked Questions (8 Sawalat)
Q1: Kya yeh loan wapis karna parega?
Jee haan, yeh "Qarza" hai, imdad nahi. Aapko yeh paise iqsaat (installments) mein wapis karne honge.
Q2: Kya females apply kar sakti hain?
Bilkul! Hukoomat ne 25% quota khaas taur par khawateen ke liye rakha hai taake wo apna kaam shuru kar sakein.
Q3: Processing time kitna hai?
Apply karne ke baad taqreeban 30 se 45 din (working days) lagte hain loan pass hone mein.
Q4: Kya main ek se zyada baar apply kar sakta hun?
Agar aapka pehla loan clear ho chuka hai to aap doosri baar apply kar sakte hain. Ek waqt mein do loan nahi milte.
Q5: Agar application reject ho jaye to kya karein?
Bank se reject hone ki wajah poochein (e.g., documents missing, bad credit history) aur usay theek kar ke dobara apply karein.
Q6: Guarantor kaun ban sakta hai?
Koi bhi Pakistani shehri jo kamaata ho aur defaulter na ho. Aapka walid, bhai ya koi rishtedar bhi guarantor ban sakta hai.
Q7: Kya overseas Pakistani apply kar sakte hain?
Nahi, yeh scheme sirf un logon ke liye hai jo Pakistan mein rehte hain aur yahin business karna chahte hain.
Q8: Bank account hona zaroori hai?
Jee haan, loan ki raqam aapke bank account mein hi transfer hogi, isliye account hona lazmi hai.
⚠️ Disclaimer: SHM Jobs provides information based on official sources. We are not a bank or government entity. Please verify details from the official PMYP website before applying.
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