Akhuwat Loan Scheme

Akhuwat Foundation’s mission is to provide Akhuwat Loan Scheme to underserved communities in Pakistan, promoting self-reliance and financial inclusion.

Welcome to Akhuwat, Pakistan’s leading provider of interest-free loans.

Established in 2001 by Dr. Muhammad Amjad Saqib, Akhuwat Foundation has expanded to rank among Pakistan’s biggest microfinance organization, giving millions of families the means to interrupt poverty cycle. Having more than 800 stores around the country, Akhuwat is working nonstop to provide underprivileged areas financial inclusion.

What we do

Our simple objective is to give people who are economically underprivileged opportunity for a better life and uplifts them. For people all throughout Pakistan, Akhuwat provides Qarz-e-Hasna, interest-free loans, thereby enabling them to invest in their education, healthcare, enterprises, and more. We are here to help you realize your dreams free from the weight of interest rates, whether your family company needs to expand or you need to pay for medical bills.

Interest-Free Loans

We do not charge any interest on our loans, providing you with a genuine chance to improve your life without added financial burden.

No Collateral Required

Our loans are based on mutual trust and a community-focused approach, so you don’t need to put up any physical collateral.

Quick Processing

Our application process is fast, transparent, and efficient. Once your application is approved, you will receive the funds you need quickly.

Nationwide Reach

With over 800 branches in cities and rural areas, Akhuwat is accessible to families across the country, ensuring that everyone has an equal chance to succeed.

Our numbers that speak

We have numbers that push us to give in our best and make sure that we break our own records. We are happy to be growing and helping more day by day.

DISBURSED IN INTEREST-FREE LOANS

RECOVERY RATE

ACTIVE LOANS

CITIES

Our Impact

Over six million people all throughout the nation have touched Akhuwat’s work; we keep growing annually. Providing interest-free loans guarantees that individuals have the chance to better their quality of life without spiraling into debt. Thousands of people have shifted toward self-reliance by means of our open, straightforward approach, therefore transforming their life.

Loan Categories Offered by Akhuwat

Family Enterprise Loans: Loans for small family businesses, providing the financial boost to expand and grow.
Education Loans: Helping students achieve their academic goals by covering tuition fees and educational expenses.
Health Loans: For individuals facing medical emergencies or requiring long-term healthcare.
Agriculture Loans: Aimed at helping farmers improve their productivity and sustain their agricultural livelihoods.
Housing Loans: To help families build, renovate, or improve their homes.
Liberation Loans: Helping individuals escape exploitative debts, giving them a chance at financial freedom.

How to Apply for a Loan?

Applying to a loan with Akhuwat is easy and direct. Either apply online using our website or visit your closest branch. You just need a current CNIC, evidence of domicile, and income records. Our lending representatives will walk you through the application procedure so that your application is handled fastest possible.

Empowering Pakistan Through Interest-Free Microfinance

Leading non-profit providing interest-free loans to reduce poverty and advance economic independence is Akhuwat Network from Pakistan. Originally founded with the goal of building a fair and equitable society, Akhuwat Foundation Loan programs have changed the lives of millions of impoverished people by giving them the financial support they need to launch or grow their companies, build houses, and help with education.

We will go over all about Akhuwat Foundation Loan Online Apply, eligibility requirements, loan kinds, and most recent updates on Akhuwat Loan Scheme 2025 including Akhuwat Home Loan, Business Loan, Student Loan, and more in this extensive guide.

Akhuwat Foundation Loan Types

1. Akhuwat Foundation Business Loan:

Aimed at entrepreneurs and small business owners, this loan helps individuals start or grow their businesses.

Loan Limit: PKR 10,000 – 100,000
No collateral required
Tenure: 10–36 months
0% interest rate

2. Akhuwat Foundation Home Loan / House Loan

Also known as the Akhuwat Housing Loan Scheme, this initiative supports low-income families in building or renovating their homes.

Available under Akhuwat Housing Scheme 2022 and updated in the Akhuwat Loan Scheme 2025
Loan Limit: Up to PKR 500,000
Repayment Tenure: Up to 10 years
Akhuwat Foundation Home Loan 2022 helped over 10,000 families across Pakistan

3. Akhuwat Foundation Education Loan / Student Loan

Education is a right, not a privilege. Akhuwat supports students through interest-free student loans.

Covers tuition, hostel, and academic materials
Open to college and university students
Repayment starts after graduation

4. Akhuwat Foundation SME Loan

For small and medium enterprises (SMEs), this scheme encourages job creation and local development.

Akhuwat Foundation Loan Application Process

For small and medium enterprises (SMEs), this scheme encourages job creation and local development.

Applying for a loan with Akhuwat is easy and transparent. Whether you are seeking a business loan, education loan, or a home loan, you can follow these simple steps:

Step 1: Visit the Nearest Akhuwat Office

Find your nearest Akhuwat branch or mosque-based center.

Step 2: Get the Application Form

You can also download the Akhuwat Foundation Loan Application Form from the official website or your local branch.

Step 3: Submit Required Documents

Provide the following:

CNIC copy
Proof of income or business (if applicable)
Photographs
Utility bill copy

Step 4: Verification and Interview

Akhuwat field staff will visit your residence and business location for verification.

Step 5: Approval and Disbursement

Once approved, the loan is disbursed interest-free through the local mosque or branch.

Key Features of Akhuwat Loans

Interest-Free: All loans are 100% Qarz-e-Hasna
Easy Repayment: Flexible plans ranging from 6 months to 10 years
Wide Accessibility: Over 800 branches across Pakistan
No Hidden Charges: Transparent and trust-based model

Eligibility Criteria

To apply for any Akhuwat loan, you must:

Be a Pakistani citizen with a valid CNIC
Be over 18 years of age
Have a sound business idea or genuine need
Agree to the ethical loan repayment plan

How to Track Your Loan?

Akhuwat provides receipts and a clear tracking system through its local offices. Digital updates are being introduced in Akhuwat Loan Scheme 2025 to allow SMS and online tracking.

Akhuwat Loan Limit

Loan limits depend on the type of loan and need-based assessment:

usiness Loan: Up to PKR 100,000
Housing Loan: Up to PKR 500,000
Student Loan: Case-specific
SME Loan: PKR 200,000 – 500,000

Akhuwat Foundation stands as a beacon of hope for millions of Pakistanis. With its interest-free loans, it empowers the poor to take charge of their future. Whether you need a home loan, a business loan, or an education loan, Akhuwat is here to help you live with dignity and purpose.

If you are looking to apply for the Akhuwat Foundation Loan Online Apply 2025, visit your nearest branch or download the application form from their official website. Join the movement and help spread the light of financial empowerment.