Last Updated: 9 November 2026
Author: Muhammad Imran – Educativz.com
Source: National Bank of Pakistan (NBP) advertisement for the Prime Minister’s Youth Business & Agriculture Loan Scheme (PID K.1485-D/26), printed on 8 November 2026. Official pages: www.nbp.com.pk, PM Youth portal application form, and the State Bank of Pakistan scheme circular IH&SMEFD Circular No. 12 of 2022.
WhatsApp Group & Channel: Channel & Group
Quick answer: NBP is inviting youth to start a new business or expand an existing one under the PM Youth Business & Agriculture Loan Scheme. Rs 5 lakh to Rs 15 lakh carries 5% markup and Rs 15 lakh to Rs 75 lakh carries 7% markup. Age 21 to 45 years, tenure up to 8 years, and you apply online on the PM Youth portal by selecting National Bank of Pakistan (or scan the QR code in the ad). Helpline: UAN 111 627 627.
Closing date: the ad prints no last date. We found no official closing date either. Apply when you are ready, but remember that approval depends on NBP’s assessment, not only on submitting the form.
NBP Rs 5 lakh – Rs 75 lakh 5% markup 7% markup Age 21–45 Up to 8 years Apply online
In this guide
NBP PM Youth Loan November 2026: Details at a Glance
| Bank | National Bank of Pakistan (NBP), UAN 111 627 627, www.nbp.com.pk |
| Scheme | Prime Minister’s Youth Business & Agriculture Loan Scheme (Prime Minister’s Youth Programme) |
| Purpose | Start a new business or expand an existing business (the ad says “financial assistance”) |
| Loan band 1 | Rs 5 lakh to Rs 15 lakh, 5% markup |
| Loan band 2 | Rs 15 lakh to Rs 75 lakh, 7% markup |
| Age | 21 to 45 years |
| Loan tenure | Up to 8 years |
| Processing | “Easy and fast processing” (the ad gives no number of days) |
| How to apply | Online only: select National Bank of Pakistan on the PM Youth portal; the ad prints the link pmybals.pmyp.gov.pk/BankForm/newApplicantForm and a QR code |
| Last date | Not printed |
| Ad number | PID K.1485-D/26 |
Two Loan Bands: Rs 5–15 Lakh at 5% and Rs 15–75 Lakh at 7%
| Loan amount | Markup (end-user rate) | Who it suits |
| Rs 5 lakh to Rs 15 lakh | 5% | Small shop, workshop, home-based unit, small farm inputs, vehicle for business use |
| Rs 15 lakh to Rs 75 lakh | 7% | Bigger factory, clinic or lab, bakery or food unit, machinery, SME expansion |
Under the official scheme structure there is also a smaller loan up to Rs 5 lakh at 0%, handled through microfinance banks. This NBP ad is only for the two larger bands above, so a Rs 3 lakh loan is not what this advertisement is offering.
Is the 5% / 7% Markup Subsidised? What “Markup” Means
“Markup” is the Pakistani banking word for interest (profit rate). According to the official State Bank circular, banks lend these two bands at 6-month KIBOR + 3%, while the borrower pays only 5% or 7%. The government covers the difference and also bears part of the bank’s credit loss. That is why the borrower’s rate is far below the normal market rate. (KIBOR, the benchmark, was about 12.1–12.6% on the State Bank website this week, so an ordinary business loan would cost much more.)
Honest note: the circular above is dated 2022. The 2026 ad prints the same bands (5% and 7%), but the ad itself does not explain the subsidy. Confirm the current terms with NBP (UAN 111 627 627) before you rely on any number here.
Who Can Apply: Eligibility
- Pakistani citizen with a CNIC, aged 21 to 45 years (printed in the ad). Per the State Bank circular, for partnerships and companies one owner/partner/director must be in this age bracket.
- Official circular: for IT / e-commerce businesses the lower age limit is 18, with at least matriculation.
- Official circular: new and existing businesses, SMEs, and agriculture (crop, livestock, poultry, fishery, dairy) are all eligible.
- Official circular: for a new business the borrower’s own contribution is 10% (loans up to Rs 15 lakh) or 20% (above Rs 15 lakh), paid in cash or immovable property after approval. Existing businesses: nil.
- Official circular: Rs 5–15 lakh loans are clean (guarantee only); above Rs 15 lakh, security follows bank policy. Financed vehicles serve as collateral.
- Official circular: 25% of loans go to women.
- Official circular: a borrower can take at most two loans (one long-term, one short-term) within Rs 75 lakh in total.
Women, youth and disabled quota: the ad prints no quota. The only quota in the official circular is 25% for women borrowers. We found no official disabled-person quota for this scheme.
How to Apply Online (Step by Step)
CNIC, age 21–45 (check the date of birth on your CNIC), a clear business idea or an existing business, and the amount you really need.
Open the link printed in the ad: pmybals.pmyp.gov.pk/BankForm/newApplicantForm, or scan the QR code in the ad. When we checked on 9 November 2026 the page showed “The service is unavailable”, so if it does not open, try again later.
The ad tells you to select National Bank of Pakistan on the portal. Pick NBP as the bank you want to apply with.
Personal details, CNIC, business details and the loan amount. Wrong CNIC or business details are the commonest reason for rejection.
Keep the application reference and the mobile number you used. NBP may contact you for documents or a branch visit.
Keep your phone on. If you do not hear back, call NBP on UAN 111 627 627 or visit the nearest branch.
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Documents to Keep Ready
The ad does not print a document list. Banks usually ask for the following under this scheme, so keep them ready (NBP may ask for more or less):
- CNIC (both sides) and a recent passport-size photo
- Latest education certificate (matriculation or above is needed for IT / e-commerce)
- A simple business plan / cash-flow estimate and a price quotation for machinery or stock
- Existing business: shop or business proof, bank statements, tax or chamber registration if you have it
- Agriculture: land record (fard / passbook) or tenancy proof
- Loan above Rs 15 lakh: collateral and guarantor papers as NBP asks
Repayment Examples at 5% and 7% (Our Estimate)
The ad prints no instalment table. These are our reducing-balance estimates (8 years = 96 months unless stated); the bank’s actual schedule, grace period and processing charges may differ.
| Loan | Markup | Tenure | Approx. monthly instalment | Approx. total markup |
| Rs 5 lakh | 5% | 5 years | Rs 9,436 | Rs 66,137 |
| Rs 10 lakh | 5% | 8 years | Rs 12,660 | Rs 2,15,352 |
| Rs 15 lakh | 5% | 8 years | Rs 18,990 | Rs 3,23,028 |
| Rs 30 lakh | 7% | 8 years | Rs 40,901 | Rs 9,26,511 |
| Rs 50 lakh | 7% | 8 years | Rs 68,169 | Rs 15,44,184 |
| Rs 75 lakh | 7% | 8 years | Rs 1,02,253 | Rs 23,16,276 |
Rule of thumb: your business should earn at least 1.5 times the monthly instalment, after rent, salaries and electricity, or the loan becomes a burden.
What the Advertisement Does NOT Say
| Item | Status |
| Closing date | Not printed (we found no official closing date either) |
| Documents list | Not printed |
| Processing fee / charges | Not printed |
| Women / disabled quota | Not printed (official circular: 25% for women) |
| Guarantee / collateral | Not printed (circular: guarantee only up to Rs 15 lakh) |
| Grace period, instalment schedule | Not printed |
| Number of days to approve | Not printed (“easy and fast” only) |
| Other banks | Not in this ad; the scheme itself is open to other banks per the official circular |
Scam Warning: Youth Loan Frauds
- The application is online only on the official portal. Do not pay any agent to “approve” or “speed up” your loan.
- Nobody should ask for a fee, a token or a mobile-wallet payment before approval. Anyone who does is a fraudster.
- Never share your OTP, PIN or ATM card details on call or WhatsApp.
- Type the portal link yourself or scan the QR code in the official ad; do not trust links forwarded on WhatsApp or Facebook.
- Check anything suspicious with NBP on UAN 111 627 627.
Karna / Nahi Karna
| Karna (Do) | Nahi Karna (Don’t) |
| Apply only on the official PM Youth portal and choose National Bank of Pakistan | Don’t pay any agent or “consultant” to get the loan |
| Ask for the bank charges and instalment schedule in writing | Don’t sign anything you have not read |
| Borrow only what the business can repay (see the table above) | Don’t take a Rs 75 lakh loan for a Rs 10 lakh idea |
| Keep CNIC, photo, business plan ready before applying | Don’t enter wrong CNIC or business details |
| Call UAN 111 627 627 to confirm current terms | Don’t trust a closing date or rate quoted only on social media |
| Remember: this is a loan to repay, with markup | Don’t treat it as a grant (“free money”) |
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NBP PM Youth Loan November 2026: FAQs
What is the NBP PM Youth Business & Agriculture Loan?
A government-backed loan scheme in which National Bank of Pakistan finances youth to start a new business or expand an existing one: Rs 5 lakh to Rs 15 lakh at 5% markup and Rs 15 lakh to Rs 75 lakh at 7% markup, per the ad printed on 8 November 2026.
What is the age limit?
21 to 45 years, as printed in the ad. The official circular allows 18 for IT / e-commerce businesses with at least matriculation.
How long can I take to repay?
Up to 8 years, as printed in the ad.
How do I apply?
Online only: choose National Bank of Pakistan on the PM Youth portal, using the link printed in the ad or the QR code. There is no paper form.
Is there a last date?
The ad prints no last date and we found no official closing date. Confirm with NBP on UAN 111 627 627.
Is the 5% / 7% markup subsidised?
The official State Bank circular says banks lend at 6-month KIBOR + 3% and the government pays the difference above the borrower’s 5% or 7%. The circular is from 2022; check current terms with NBP.
Do I need collateral?
The official circular says loans up to Rs 15 lakh are secured only by a personal guarantee, and above Rs 15 lakh as per bank policy. The ad prints nothing on collateral.
Is there a quota for women?
The official circular reserves 25% of loans for women borrowers. The ad prints no quota.
Can I apply with another bank?
This ad is NBP’s. The scheme is open to other commercial banks, but this article covers only the NBP advertisement.
Who do I contact?
NBP UAN 111 627 627 and www.nbp.com.pk, as printed in the ad.
Keywords: NBP PM youth loan November 2026 PM Youth Business Agriculture Loan youth loan scheme 2026 Rs 75 lakh business loan NBP loan 5% markup pmybals.pmyp.gov.pk وزیراعظم یوتھ بزنس لون نیشنل بینک آف پاکستان قرض اہلِ ہنر کا روشن کل
Disclaimer: Educativz.com is not National Bank of Pakistan and not part of the Prime Minister’s Youth Programme. We read the advertisement line by line and checked the State Bank circular. Terms can change; always confirm with NBP before you apply.
