PMYB&ALS (Prime Minister's Youth Business and Agriculture Loan Scheme) promotes entrepreneurship among youth by providing business loans on simple terms and with less markup through 15 Commercial, Islamic and SME banks.

All Pakistani residents, aged between 21 and 45 years with entrepreneurial potential are eligible to apply for the loan. For IT/ E-Commerce related businesses, the lower age limit is 18 years. Applications have to be submitted online only through our website.

Loans provided under PMYB&ALS are segregated into 3 tiers.

Tier 1

The range is 0.5 million PKR with 0% markup

Tier 2

The range is above 0.5 Million upto 1.5 Million PKR with 5% markup

Tier 3

The range is above 1.5 Million upto 7.5 Million PKR with 7% markup

PM's Business & Agriculture Loan Scheme Applying Procedure

How can we help you?

Frequently Asked Questions

Financial Calculators/Templates

This section is our collection of free financial calculators and templates that can help you with calculating and computing all sort of financial functions that are required for your business.
Our calculators can help you calculate and analyze income statement, cash flow and , balance sheet and your loan repayment schedule.

Please download from the given links.

SMEDA Services

Small and Medium Enterprises Development Authority (SMEDA) has been tasked by PM’s Youth Programme Program with an advisory & supporting role to provide free guidelines to applicants.

SMEDA Free Online Support

Punjab (Head Office)

4th Floor, 3rd Building, Aiwan-e-Iqbal Complex Egerton Road, Lahore
Tel: (042) 111-111-456, 99204701-12


Bungalow No. 15-A, Chaman Housing Scheme Airport Road, Quetta
Tel: (081)-2831623 - 2831702
Email: helpdesk.balochistan@smeda.org.pk

Khyber Pakhtunkhwa

Ground Floor, State life Building The Mall, Peshawar
Tel: (091)-111-111-456, 091-9213046-7 Email: helpdesk.KhyberPakhtunkhwa@smeda.org.pk


5th Floor, Bahria Complex II M.T. Khan Road, Karachi
Tel: (021)-111-111-456
Email: helpdesk.sindh@smeda.org.pk

Learn, Grow and Get Hired!

Download Our App

The Prime Minister’s Youth Programme (PMYP) app brings all PMYP initiatives to your fingertips. This comprehensive dashboard lets any young Pakistani apply to our programmes, explore opportunities, and broaden their horizons. Young people can apply to various programmes including PM’s Youth Business & Agricultural Loan Scheme, PM’s National Innovation Award, PM’s Talent Hunt Youth Sports, and several others.

Join us today and embark on a transformative journey towards personal and professional growth!

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