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Quality Akhuwat Business loans to suit your own business
Akhuwat Foundation is a name of trust and hope in Pakistan. Since its inception, Akhuwat has empowered thousands of individuals by providing interest-free microfinance loans. One of its most impactful offerings is the Akhuwat Business Loan, designed to help entrepreneurs, small business owners, and startups build or expand their businesses without the burden of interest. In this guide, we will explain everything you need to know about Akhuwat Business Loan 2025 – from eligibility, loan amount, and required documents to the complete application process.Simple Qualification
The amount a lender is willing to lend to financing your purchase fact in your ratio of debt to income, among other things.
We make loans on properties including
- Retail
- Apartments
- Factories
- Strip Centers
- Factories
- Office Buildings
- Warehouses
- Industrial
- Non-Profits
- Religious Institutions & Buildings
- Mixed-Use / Single Use
Required Documents
To apply for Akhuwat Business Loan, you need the following documents: Copy of CNIC Passport size photograph Utility bill of your residence/shop Business feasibility or plan Guarantor’s CNIC copy Proof of residence (rental agreement or ownership)
- Fixed rate loan terms of 1 to 5 years with interest-only payments**
- Up to 20 years fully amortized
- 30 year amortization schedule with a balloon payment due in 15
- Customized loan terms to fit your unique needs
What Is Akhuwat Business Loan?
Akhuwat Business Loan is a part of Akhuwat’s Qarz-e-Hasna (benevolent loan) program. It is an interest-free loan offered to individuals who want to start or grow their small business, shop, or self-employment setup.
It aims to reduce poverty by creating economic opportunities for low-income individuals through dignified financial assistance.
How Much Loan Can You Get?
The loan amount under the Akhuwat Business Loan program depends on the applicant’s needs, repayment capacity, and business plan. Typical loan amounts include:
| Loan Type | Amount Range (PKR) |
|---|---|
| Start-up Loan | 10,000 – 50,000 |
| Business Expansion | 50,000 – 500,000 |
| Women Entrepreneurs | 10,000 – 100,000 |
| Special Cases | Up to 1,000,000 |
✅ Note: Loans are 100% interest-free and repaid in easy monthly installments.
Required Documents
To apply for Akhuwat Business Loan, you need the following documents:
Copy of CNIC
Passport size photograph
Utility bill of your residence/shop
Business feasibility or plan
Guarantor’s CNIC copy
Proof of residence (rental agreement or ownership)
Who Can Apply?
Eligibility Criteria:
Pakistani citizen aged 18 to 62
Resident of the area for at least 6 months
Applicant must have a valid CNIC
Sound reputation and character
Willingness to repay the loan on time
Must provide 1–2 personal guarantors
Must have a viable business idea or existing setup
How to Apply for Akhuwat Business Loan
Here is the simple step-by-step process:
Step 1: Visit Akhuwat Center
Locate your nearest Akhuwat office via Akhuwat.org.pk or call 0347-2630723.
Step 2: Get Loan Application Form
Obtain and fill out the Akhuwat loan form completely. Attach required documents.
Step 3: Submit Application
Submit the filled form to the concerned Akhuwat branch along with documents.
Step 4: Verification
Akhuwat staff will verify your home, business plan, and guarantor details.
Step 5: Approval & Disbursement
Once approved, the loan will be disbursed through a cheque or bank transfer.
Loan Duration & Repayment Terms
| Loan Term | Installment Frequency | Repayment Mode |
|---|---|---|
| 6 to 24 Months | Monthly | Bank deposit / Collection |
No interest is charged
No processing or hidden fees
Early repayment is allowed
What Businesses Are Supported?
Akhuwat supports a wide range of business types, including:
Tailoring & stitching units
Grocery shops
Mobile repairing
Women-led home businesses
Beauty parlors
Catering services
Livestock & dairy farming
Carpenters, plumbers, electricians
Online stores and freelancers
Benefits of Akhuwat Business Loan
✅ Interest-Free: 100% Riba-free loan
✅ Dignity-Based Lending: No collateral or property required
✅ Fast Approval: Quick verification and disbursement
✅ Nationwide Access: Over 800 branches in Pakistan
✅ Supports Women: Special support for female entrepreneurs
✅ Flexible Terms: Easy installments over 6 to 24 months
Akhuwat Business Loan for Overseas Pakistanis?
While Akhuwat loans are mainly for people residing in Pakistan, if you are an overseas Pakistani willing to start a business for a family member or invest in your hometown, you may guide your nominee to apply on your behalf under your supervision.
Apply Online via Safe Channels
You can apply for Akhuwat business loans through the official branch or trusted informational platforms like:
https://akhuwatinfocenter.com/
https://loaninakhuwat.online/
Important: Akhuwat never demands advance payment or online processing fees. Always verify authenticity.
Akhuwat Business Loan Contact Details
Official Website: akhuwatbusiness.info
Helpline/WhatsApp: 0347-2630723
Offices: Available in all major cities and towns across Pakistan
Beware of Fake Akhuwat Loan Ads
Many fake websites or Google Ads misuse Akhuwat’s name. Always verify:
✅ Akhuwat loans are 100% interest-free
✅ No online advance fee is charged
✅ Official WhatsApp number: 0347-2630723
If you see any fake ad or receive suspicious calls/messages, report immediately to Akhuwat and Google Ads support.
FAQs – Akhuwat Business Loan
Q1: Is this loan available for new businesses only?
No, both new and existing businesses can apply.
Q2: Can women apply for business loans?
Yes. Akhuwat encourages women-led businesses.
Q3: What happens if I miss an installment?
You should inform the branch early. Akhuwat believes in support, not punishment.
Q4: Can I apply online?
You can download the form online but must submit it physically at the Akhuwat branch.
Q5: Is there any processing or registration fee?
No. Akhuwat does not charge any registration or hidden fees.
Summary Table – Akhuwat Business Loan
| Feature | Details |
|---|---|
| Loan Amount | PKR 10,000 to 500,000 |
| Interest | 0% (Qarz-e-Hasna) |
| Repayment Term | 6 to 24 months |
| Eligibility | 18–62 years, valid CNIC, guarantor |
| Application Fee | None |
| Where to Apply | Nearest Akhuwat Center |
| Processing Time | 7 to 14 days |
| Contact | 0347-2630723 |
| Website | akhuwat.org.pk |
Final Words
The Akhuwat Business Loan 2025 is an amazing opportunity for those who want to uplift their lives through self-employment or entrepreneurship. With no interest, no fees, and a community trust model, Akhuwat has proven that poverty can be reduced through kindness and support.
Whether you are starting a new business or growing an existing one, Akhuwat is here to support you.
Apply today and take a step toward a financially empowered future.