The Government of Pakistan has introduced a new financing facility under the Prime Minister’s Youth Programme to support citizens planning to work abroad by offering interest-free loans for essential expenses.
The initiative, launched as a new Tier-4 category under the Prime Minister’s Youth Business and Agriculture Loan Scheme, aims to facilitate prospective overseas workers by covering training, visa, travel, and settlement costs.
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Officials said the move is designed to reduce financial barriers for Pakistanis seeking employment opportunities abroad and to boost foreign remittances.
Eligibility Criteria
- Be a Pakistani citizen holding a valid CNIC
- Be aged between 21 and 45 years
- Hold a valid job offer or employment letter abroad, or be recruited through an Overseas Employment Promoter (OEP)
- Ensure the job offer is authenticated by the relevant Pakistan Mission abroad / Community Welfare Attaché (CWA), OEP, and Protector Office
- Provide complete details of overseas training, job, travel, and related expenses to justify loan usage
Loan structure and benefits
Under the scheme, eligible individuals can obtain financing of up to Rs1 million with a repayment period of up to five years.
The loans are being offered at a 0 percent markup rate, making them fully interest-free, with a debt-to-equity ratio set at 80:20.
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Here’s How to Apply
Borrowers will also have the flexibility to repay the loan early or make partial payments after six months, subject to certain conditions.
Officials confirmed that no insurance requirement has been imposed under this financing category, further easing access for applicants.
Required Documents
Applicants must prepare scanned copies or clear images of the following documents:
Personal Documents
- CNIC (Front and Back)
- Passport-size photograph
- Valid job offer/appointment letter
- Passport bio page (for co-borrower, if applicable)
Employment & Overseas Documents
- Job offer letter duly authenticated by:
- Pakistan Mission abroad / Community Welfare Attaché (CWA)
- Overseas Employment Promoter (OEP)
- Protector Office
- Details of overseas training, travel, visa, and settlement expenses
- Company details (address, email, phone, website of employer abroad)
- Protector registration number and date (if applicable)
Educational & Skill Documents (if applicable)
- Educational certificates
- Technical education certificates
- Artisan or skill verification documents
Financial Documents
- National Tax Number (NTN), if available
- Income details (current and monthly income)
- Bank account details (if available)
- Loan history (if any outstanding or previous loans)
Co-Borrower Documents
- CNIC and photograph of co-borrower
- Passport details
- Relationship proof with applicant
- Address and contact details
- Employment/financial details (if applicable)
Additional Requirements
- Two references (non-blood relatives) with CNIC and mobile numbers
- Utility bill consumer ID
- Proof of residence details
Documentation and guarantees
Applicants must submit verified job offer documents along with details of travel, visa, and settlement expenses.
In cases where required, income documents of a secondary borrower must be provided, along with a personal guarantee from immediate family members, including spouse, parents, son, or brother.
Supporting overseas employment goals
The government said the initiative is part of broader efforts to promote legal overseas employment and support workforce mobility.
With increasing demand for skilled workers in international markets, the scheme is expected to help Pakistani youth secure jobs abroad while reducing upfront financial burdens.
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Officials added that the programme aligns with Pakistan’s strategy to strengthen remittance inflows and improve economic stability through overseas employment opportunities.
How to Apply (Online Process)
Applicants must complete the online application form available on the official PM Youth Programme portal. The form requires personal, financial, educational, employment, and co-borrower details.
Applicants can submit the form after filling in all required fields and uploading necessary documents. A mobile number registered in the applicant’s name is required for registration and communication.
