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- Akhuwat
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- March 12, 2024
Are you dreaming of starting or growing your own business in 2025? The Akhuwat Foundation is once again offering its interest-free business loan program under the name Akhuwat Business Loan 2025, designed especially for low-income individuals and small entrepreneurs in Pakistan.
This complete guide explains everything you need to know—how to apply, eligibility criteria, loan amount, repayment options, and how it’s different from traditional business loans.
What is Akhuwat Business Loan 2025?
Akhuwat Business Loan 2025 is part of Akhuwat Foundation’s larger Qarz-e-Hasna (benevolent loan) initiative. It is designed to help individuals across Pakistan start, sustain, or expand small businesses without paying any interest.
Unlike commercial banks that charge high interest rates, Akhuwat believes in uplifting communities through trust-based lending backed by Islamic values.
Key Features of Akhuwat Business Loan 2025
| Feature | Details |
|---|---|
| Loan Type | Interest-Free (Qarz-e-Hasna) |
| Purpose | Start or grow a small business |
| Loan Amount | Rs. 10,000 to Rs. 500,000 |
| Interest Rate | 0% |
| Processing Fee | Zero |
| Repayment Period | 12 to 36 months |
| Collateral | Not required |
| Support | Business guidance and mentorship |
| Application Mode | Online or through Akhuwat centers |
Who Can Apply for Akhuwat Business Loan?
You can apply for Akhuwat Business Loan 2025 if:
- You are a Pakistani citizen with a valid CNIC
- Aged 18–62 years
- Planning to start or expand a business
- Have no default history with banks or other loan providers
- Can provide 2 guarantors (family or community members)
- Are willing to follow Islamic ethical borrowing principles
Required Documents
Here is a list of documents you need when applying for Akhuwat Business Loan:
- Copy of CNIC
- Two passport-size photographs
- Copy of utility bill (electricity or gas)
- Business plan (if starting a new business)
- Guarantor CNICs (2 required)
- Rental agreement or property papers (if applicable)
How to Apply for Akhuwat Business Loan 2025
You can apply online or visit your nearest Akhuwat branch. Here’s how:
Option 1: Apply Online (Simple Steps)
- Visit official partner site: loaninakhuwat.online
- Click on “Apply Now” under Business Loan
- Fill in your personal and business information
- Upload necessary documents
- Submit your form and wait for verification
Option 2: Apply Offline
- Visit the nearest Akhuwat office
- Request a business loan application form
- Fill it manually and attach documents
- Provide 2 guarantors
- Wait for a call from the Akhuwat office for interview and inspection
Loan Disbursement and Repayment
After your application is approved, the loan amount is disbursed directly to your account or given via cheque. You’ll be provided with a monthly repayment schedule that suits your income.
All repayments are interest-free and are used to fund future applicants—making it a community-revolving loan system.
Benefits of Choosing Akhuwat Business Loan
- ✅ 100% Interest-Free – You repay only what you borrow
- ✅ No Bank Statements Required
- ✅ Quick Approval – 7 to 14 working days
- ✅ No Collateral Needed
- ✅ Supportive Team – Business training and mentorship included
- ✅ Social Impact – Your repayments help other entrepreneurs
Loan Repayment Example
| Loan Amount | Monthly Installment (12 Months) | Monthly Installment (24 Months) |
|---|---|---|
| Rs. 50,000 | Rs. 4,167 | Rs. 2,083 |
| Rs. 100,000 | Rs. 8,334 | Rs. 4,167 |
| Rs. 200,000 | Rs. 16,667 | Rs. 8,334 |
(No markup or processing fee applied)
Frequently Asked Questions (FAQs)
Q1. Is Akhuwat Business Loan really interest-free?
Yes. All Akhuwat loans follow the Islamic model of Qarz-e-Hasna, which means no interest or profit is charged.
Q2. Can I apply if I already have a small business?
Yes. This loan is for both new and existing businesses.
Q3. Can women apply for this loan?
Absolutely! Akhuwat strongly supports women entrepreneurs.
Q4. What happens if I miss a payment?
Akhuwat offers flexible repayment options, but you should inform the office beforehand in case of difficulty.
Q5. How do I contact Akhuwat Foundation?
You can apply via loaninakhuwat.online or call at 0347-2630723.
Akhuwat Business Loan 2025
| Feature | Akhuwat | Traditional Banks |
|---|---|---|
| Interest Rate | 0% | 12% – 30% |
| Processing Fee | None | High |
| Guarantors | 2 required | May require collateral |
| Approval Time | 7–14 days | 30+ days |
| Documentation | Minimal | Extensive |
| Business Training | Provided | Not provided |
Business Ideas You Can Start with Akhuwat Loan
- Tailoring or Stitching Center
- Mobile Repair Shop
- Grocery or Kirana Store
- Beauty Parlor or Salon
- Motorcycle Workshop
- Poultry Farming
- Tiffin/Delivery Service
- Computer/Printer Services
- Boutique or Handmade Products
- Online Freelancing Setup
Safe & Secure Way to Apply
Beware of fake Akhuwat ads and fraud loan agents.
Only use trusted websites like:
For verification, call the official number: 0347-2630723
Akhuwat Business Loan 2025 is a lifeline for aspiring entrepreneurs in Pakistan. Whether you’re looking to start a new venture or grow your existing setup, this interest-free opportunity offers financial support with respect, dignity, and ease.