PM Agriculture Loan Scheme 2025

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PM Agriculture Loan Scheme 2025
The Government of Pakistan has launched the Pm Agriculture Loan Scheme 2025 to support farmers, rural youth, and agribusinesses by offering easy and affordable financing. This scheme is part of the broader Prime Minister Youth Business and Agriculture Loan Scheme (PMYB&ALS), aiming to strengthen the agricultural sector and ensure food security through financial inclusion.

Purpose of the Scheme
The PM Agriculture Loan Scheme is designed to:

Provide financial support to farmers for crop production, livestock, fisheries, and agribusiness

Improve agricultural productivity and modernize farming practices

Encourage rural entrepreneurship, especially among youth and women

Boost exports and reduce rural poverty by enabling small and medium-scale farmers

Loan Structure
The agriculture loan is offered under three tiers, each tailored to meet the needs of different types of farmers and agribusinesses:

Tier 1

Loan Amount: Up to Rs. 500,000

Interest Rate: 0% (Interest-Free)

Best for small farmers and individual growers

Tier 2

Loan Amount: Rs. 500,001 to Rs. 1.5 million

Interest Rate: 5%

Suitable for medium-scale agricultural businesses or cooperative farms

Tier 3

Loan Amount: Rs. 1.5 million to Rs. 7.5 million

Interest Rate: 7%

Ideal for commercial-scale agribusinesses and large farms

Eligibility Criteria
To apply for the PM Agriculture Loan, the applicant must:

Be a Pakistani citizen with a valid CNIC

Be aged 21 to 45 years (minimum 18 for agricultural applicants)

Possess a viable agricultural or farming plan

Be directly involved in farming, livestock, poultry, fisheries, or agribusiness

Not be a government employee

Have no history of loan default

Women, youth, and individuals from rural and remote areas are strongly encouraged to apply.

Documents Required
Valid CNIC

Business or farm plan

Land ownership or tenancy proof (if applicable)

Two passport-size photographs

Proof of income or guarantor (for higher loan tiers)

Bank account details

Repayment Terms
Tenure: Up to 8 years, depending on the size and nature of the agricultural business

Grace Period: Up to 1 year for principal repayment

Installments: Monthly, quarterly, or seasonal (linked to crop cycles)

How to Apply
The application process is fully digital and simple:

Visit the official online portal

Register with CNIC and contact number

Fill in the application form with personal and farm/business details

Upload required documents

Submit and track your application

Applicants may select the nearest bank branch for loan disbursement and further support.

Key Benefits
No collateral required for loans up to Rs. 1.5 million

Zero to low markup rates, making it affordable for all farmers

Flexible repayment plans according to farming seasons

Encouragement for modern and sustainable agriculture

Equal opportunity for men and women in the agriculture sector

Conclusion
The PM Agriculture Loan Scheme 2025 offers a golden opportunity for farmers and agri-entrepreneurs to access easy and affordable financing. With its farmer-friendly terms and focus on youth empowerment, the scheme can play a key role in boosting Pakistan’s agriculture sector and achieving national food security goals. Whether you're a crop grower, livestock farmer, or agribusiness owner, this scheme can help turn your agricultural vision into reality.