Key Features of the PWD Loan Scheme

• Loan Amount: Up to PKR 50,000 per borrower, interest‑free
• Repayment: Monthly installments over a period up to 18 months, with 0% interest

Eligibility Requirements for Akhuwat Loan Scheme

1. Must be certified as disabled by an authorized medical board, or hold a Khidmat Card, and able to present a viable business plan
2. Be between 18–60 years of age
3. Hold a valid CNIC and be economically active
4. Good character in the community, and loan‑default free from other institutions
5. No active loan within the family from Akhuwat or other microfinance sources
6. Applicants with business ideas should be willing to undergo training for 3–4 weeks

Application & Disbursement Process

• Submit a completed loan application at your nearest Akhuwat Islamic Microfinance‑branch or associated outlet.
• Provide documentation: CNIC, disability certification or Khidmat Card, business plan, and proof of training (if applicable).
• Akhuwat’s team will conduct social and business appraisals.
• Loans are approved on a first‑come, first‑served basis, via either group or individual lending methods
• Funds are disbursed monthly, either via bank transfers or through community centers

What You Can Do Next

• Visit an Akhuwat branch in your district (look under their Islamic Microfinance program)
• Alternatively, check the Punjab Social Protection Authority for other PWD support programs
• Prepare the required documents and express your interest in the Graduation & Income Generation Scheme for PWDs

Akhuwat Loan Requirements

Akhuwat Foundation is a non-profit organization in Pakistan that provides interest-free loans to help low-income individuals start small businesses or fulfill essential needs. The main goal of Akhuwat is to eliminate poverty and promote self-reliance.

If you want to apply for a loan from Akhuwat, you must fulfill certain conditions and provide some documents. In this article, we will explain in simple words what the Akhuwat loan requirements are.

1. Pakistani Citizenship

Akhuwat loans are only given to Pakistani citizens. You must have a valid CNIC (Computerized National Identity Card) issued by NADRA.

2. Age of the Applicant

The age limit for applying for an Akhuwat loan is usually between 18 and 62 years. People who are too young or too old may not be eligible for the loan.

3. Income Assessment

The applicant’s monthly income is reviewed to ensure they can repay the loan. If you have no income at all, you may not qualify. Akhuwat wants to ensure that loans are repaid so that other needy people can also benefit.

4. Purpose of the Loan

The applicant must clearly state the purpose of the loan, such as:

• Starting a small business
• Expanding an existing business
• Home repair
• Educational expenses
  etc.

5. Guarantor (Zamin)

To get a loan, one or two guarantors are required. These are people who can vouch for the applicant’s character and repayment ability. Guarantors must also have valid CNICs.

6. Community Reputation

Akhuwat usually provides loans through mosques or community centers. The applicant should have a good reputation in the local community to build trust.

7. Loan Amount and Repayment

Akhuwat usually provides loan amounts ranging from PKR 10,000 to PKR 100,000. Some special programs may offer higher amounts, such as:

• Educational loans
• Housing loans
• Health loans

The repayment period and monthly installments are decided based on the applicant’s income. Monthly payments are usually required.

8. Required Documents

You’ll need the following documents to apply for the loan:

• Copy of your CNIC
• Two passport-size photographs
• Electricity or gas bill (for address verification)
• Copy of the guarantor’s CNIC
• Business details (if applicable)

9. Application Process

Visit your nearest Akhuwat office to apply. Collect the loan form, fill it with accurate information, and submit it. After submission, Akhuwat’s team may visit your home or business for a survey.

If everything is in order, the loan will be issued to you within a few days.

10. Types of Akhuwat Loans

Akhuwat offers different types of loans, including:

• Business Loans (Microfinance)
• Education Loans
• Housing Loans
• Health Loans

Each loan type has its own limits and conditions, but the basic requirements are similar.

In Conclusion

If you are willing to work hard and need financial support to improve your life, an Akhuwat loan can be a great opportunity for you. Remember, an Akhuwat loan is not charity it’s a trust that must be returned on time so others can benefit too.

For more information, you can visit the Akhuwat website or contact your nearest branch.

اخوت کے 8 اہم قرضہ جاتی منصوبے

اخوت مختلف نوعیت کے قرضہ جات فراہم کرتی ہے تاکہ ہر طبقہ فکر سے تعلق رکھنے والے افراد مستفید ہو سکیں

خوت مختلف نوعیت کے قرضہ جات فراہم کرتی ہے تاکہ ہر طبقہ فکر سے تعلق رکھنے والے افراد مستفید ہو سکیں۔ قرضِ حسنہ وہ قرض ہے جو چھوٹے کاروبار شروع کرنے یا موجودہ کاروبار کو وسعت دینے کے لیے دیا جاتا ہے، اور اس کی رقم عموماً 10,000 سے 50,000 روپے تک ہوتی ہے۔ زراعتی قرضہ کسانوں کو فراہم کیا جاتا ہے تاکہ وہ بیج، کھاد، اور زرعی آلات خرید سکیں، اور یہ رقم فصل کی کٹائی کے بعد واپس کی جاتی ہے۔ تعلیمی قرضہ غریب مگر ذہین طلبہ کو اعلیٰ تعلیم کے لیے دیا جاتا ہے، جو مکمل طور پر بلاسود ہوتا ہے۔ مکان قرضہ چھوٹے گھروں کی تعمیر یا مرمت کے لیے دیا جاتا ہے، جو خاص طور پر اخوت ہاؤسنگ اسکیم کے تحت دستیاب ہے۔ صحت قرضہ طبی ضروریات جیسے سرجری، ہسپتال کے اخراجات یا دیگر علاج کے لیے فراہم کیا جاتا ہے۔ کاروباری خواتین کے لیے قرض اس مقصد کے لیے دیا جاتا ہے کہ خواتین گھر بیٹھے کاروبار شروع کر سکیں اور خود کفیل بنیں۔ معذور افراد کے لیے قرض ایسے افراد کو باعزت روزگار فراہم کرنے کے لیے دیا جاتا ہے جو جسمانی معذوری کا شکار ہوں۔ اخوت لباس بینک قرضہ مخصوص مواقع یا موسم جیسے رمضان یا سردیوں میں چھوٹے پیمانے پر کاروبار کے لیے قلیل مدتی بنیاد پر دیا جاتا ہے تاکہ کم آمدن والے افراد کو فوری مالی تعاون مل سکے۔

اخوت قرض حاصل کرنے کا طریقہ کار

• Family Enterprise Loan
• Education Loan
• Agricultural Loan
• Health Loan

Akhuwat Foundation is known for offering interest-free loans (Qarz-e-Hasna) across Pakistan to help people start small businesses, support education, or handle urgent financial needs.

Please note that Akhuwat does not provide loans online. All applications must be submitted in person at your nearest Akhuwat branch. The form is only the first step in the process. You must also attend a meeting with the unit manager, provide required documents, and go through a verification process.

Avoid any websites or agents claiming to offer online Akhuwat loans — they may be fake or misleading.

Eligibility Criteria for Akhuwat Agriculture Loan Scheme:

To qualify for the Akhuwat Agriculture Loan, applicants must meet the following conditions:

• Must be a Pakistani citizen
• Age between 18 and 62 years
• Should be a small farmer or agricultural worker
• Must have proof of land ownership or tenancy
• Good reputation in the local community
• Must be willing to repay in due time

How to Apply Akhuwat Interest free loan?

Step-by-Step Application Process

1. Visit the nearest Akhuwat branch
   Locate your nearest Akhuwat office or mosque center.
2. Obtain and fill the application form
   Provide personal details, income information, and your business plan.
3. Attach required documents
   Include CNIC copy, two passport-size photos, proof of residence, and a business plan.
4. Submit the form and attend an interview
   Akhuwat’s field officers will verify your details and may visit your residence or business.
5. Loan approval and disbursement
   Once approved, the loan is disbursed either in full or in installments, depending on the business type.

How to Apply for Akhuwat Loan Online?

Akhuwat does not offer any online application platform for loans. All applications must be submitted in person at the nearest Akhuwat branch or mosque center.

Beware of Scammers

• Akhuwat does not accept loan applications via WhatsApp, Facebook, or any unofficial websites.
• Never share your personal documents or pay money to individuals claiming to offer Akhuwat loans online.
• Do not contact random phone numbers shared in social media groups or comments — these are likely scams.

Always verify information by visiting the official Akhuwat website: https://www.akhuwat.org.pk or calling their official helpline

Akhuwat Loan Schemes – Loan products offered

Instant Loans in Pakistan

An instant loan refers to a small or medium-sized loan that can be accessed quickly with minimal paperwork. These loans are ideal for people who need urgent financial assistance. In Pakistan, such loans can be obtained through:

• Microfinance banks
• Mobile apps and digital wallets
• Government schemes
• Non-profit organizations like Akhuwat Foundation

Akhuwat Foundation – Interest Free Loans in Pakistan

Akhuwat is one of the largest Islamic microfinance institutions in the world. It provides Qarz-e-Hasna (interest-free loans) to help individuals start small businesses, manage emergencies, or support education.

Key Features:

• Interest-free loans
• Community-based lending model
• Easy repayment options
• Focus on social responsibility and poverty alleviation

Who Can Apply for an Akhuwat Loan?

To apply for a loan from Akhuwat Foundation, you must meet the following eligibility criteria:

• Must be a Pakistani citizen with a valid CNIC
• Age should be between 18 and 62 years
• Must live within 2 to 2.5 kilometers of an Akhuwat branch
• Should have a business plan or income-generating idea
• Must not have any criminal background
• Should provide two guarantors (non-family members)
• Must have a good reputation in the community

Documents Required for Akhuwat Loan

To apply for an Akhuwat interest-free loan, you need to submit the following documents:

• Photocopy of CNIC
• Two recent passport-sized photographs
• Proof of residence (utility bill or rent agreement)
• Business plan or reason for the loan
• Information of two non-family guarantors

Other Instant Loan Options in Pakistan

Besides Akhuwat, you can also consider these loan apps and platforms for quick financial support:

• EasyPaisa Loan (via app)
• JazzCash Loan (via mobile wallet)
• UBL Click Loan
• HBL Personal Loan
• Khushhali Microfinance Bank
• FINCA Microfinance Bank