Concessionary Loan
Featured
National
Prime Minister's Youth Programme / State Bank of Pakistan
Concessionary loans up to PKR 7.5 Million (Tier 1 interest-free; Tier 2 & 3 subsidised markup)
Business and agriculture financing for young entrepreneurs across Tier 1 (up to PKR 0.5M at 0% markup), Tier 2 (up to PKR 1.5M at 5% markup), and Tier 3 (up to PKR 7.5M at 7% markup).
Eligibility:
Pakistani citizens aged 21-45 years (minimum 18 years for IT/E-Commerce businesses) with CNIC and viable business proposal.
Status: Open for online applications via designated commercial banks
Concessionary Loan
Featured
Punjab
Government of Punjab / Bank of Punjab (BOP) / PSIC
Loans from PKR 100,000 up to PKR 10 Million at subsidized markup rates
Subsidised credit for startups and existing micro, small, and medium enterprises to stimulate economic recovery and job creation in Punjab.
Eligibility:
Eligible startups and existing businesses across Punjab; applicants aged 20 to 50 years with valid Punjab domicile.
Status: Open online via Punjab Rozgar Portal
Concessionary Loan
Featured
National
State Bank of Pakistan; participating banks
Concessionary financing up to PKR 5 Million at fixed end-user rate of up to 5% per annum with 60% risk coverage by SBP
Concessionary business financing and credit risk coverage for women entrepreneurs across Pakistan to establish and expand enterprises.
Eligibility:
Women entrepreneurs across Pakistan holding at least 50% ownership or majority control in a registered or operating enterprise.
Status: Available through all commercial banks across Pakistan
Concessionary Loan
National
Asian Development Bank (ADB)
Institutional credit lines and subsidized commercial SME on-lending
Development-finance programmes improving SME credit lines, digital inclusion, trade finance, and rural enterprise lending through Pakistani financial institutions.
Eligibility:
Usually implemented through participating commercial banks, SBP, and accredited microfinance institutions.
Status: Multi-year sovereign and non-sovereign facilities
Concessionary Loan
Punjab
Government of Punjab; Punjab Small Industries Corporation (PSIC)
Revolving interest-free credit line on digital card
Interest-free revolving SME credit card facility for vendors, traders, and small shopkeepers to meet inventory and operational cash flows.
Eligibility:
Small entrepreneurs and registered shopkeepers/vendors in Punjab meeting scheme criteria.
Status: Registration open via Punjab portal
Concessionary Loan
Punjab
Government of Punjab; Punjab Small Industries Corporation (PSIC) / Akhuwat
100% Interest-free micro-loans
Interest-free micro-enterprise financing for new businesses, micro-enterprises, and young entrepreneurs to foster self-employment in Punjab.
Eligibility:
Punjab resident small enterprises and entrepreneurs with viable business plans and valid Punjab domicile/CNIC.
Status: Open via PSIC partner branches in Punjab
Concessionary Loan
National
Pakistan Poverty Alleviation Fund (PPAF)
Microcredit financing, asset transfers, and interest-free livelihood support
Microfinance and livelihood/enterprise financing for underserved communities, rural entrepreneurs, and micro-enterprises across marginalized districts.
Eligibility:
Micro-entrepreneurs and community organizations vetted through PPAF partner organizations (POs).
Status: Ongoing through nationwide partner organizations
Concessionary Loan
Punjab
Punjab Small Industries Corporation (PSIC)
Interest-free small business startup credit
Interest-free credit for craftsmen, skilled tradespersons, and technical TVET graduates to launch independent self-employment ventures.
Eligibility:
Skilled, semi-skilled, and home-based artisans and certified TVET graduates in Punjab.
Status: Open application cycles via PSIC
Concessionary Loan
Punjab
Punjab Small Industries Corporation (PSIC)
100% Interest-free micro-financing
Interest-free finance to establish, strengthen, and modernize traditional arts, handicrafts, and cottage crafts across Punjab districts.
Eligibility:
Artisans, cottage-industry workers, and traditional handicraft makers domiciled in Punjab.
Status: Open through PSIC regional offices
Concessionary Loan
Punjab
Punjab Small Industries Corporation (PSIC) / Women Business Incubation Centers (WBIC)
Interest-free seed/expansion loans
Revolving interest-free finance for women entrepreneurs who have graduated from WBIC incubation centers to establish independent commercial units.
Eligibility:
Graduated WBIC incubatees in Punjab with verified graduation certificates.
Status: Open for WBIC graduates
Concessionary Loan
National
World Bank / Government of Pakistan / Pakistan Microfinance Investment Company (PMIC)
Concessionary microcredit lines and disaster-resilience financing
Access to microcredit and resilience of the microfinance sector post-climate shocks, supporting climate-affected micro-borrowers and MSMEs.
Eligibility:
Implemented through Pakistan Microfinance Investment Company (PMIC) and accredited microfinance institutions/banks.
Status: Active program via PMIC partner MFIs
Concessionary Loan
National
State Bank of Pakistan; participating commercial banks
Clean loans up to PKR 10 Million without requiring traditional real-estate collateral
Collateral-free term loans and working-capital/running finance for collateral-deficient SMEs through risk-coverage and refinancing.
Eligibility:
New borrowers of participating commercial banks, micro and small enterprises lacking traditional collateral.
Status: Continuous via participating partner banks
Concessionary Loan
National
World Bank Group
Multi-tier credit facilities and risk sharing
Access-to-finance, financial inclusion, digital economy enablement, and credit guarantee facilities for Pakistani MSMEs.
Eligibility:
Usually implemented through Government of Pakistan, SBP, and financial intermediaries.
Status: Ongoing multi-year country partnership programs
