Interest-Free Loan Programs in Pakistan
Your Trusted Guide to Interest-Free Loans in Pakistan
Are you looking for authentic information about interest-free loans in Pakistan? Do you want to learn how to apply for financial help from trusted organizations like the Akhuwat Foundation? You’ve come to the right place.
LoanGuidePK.com is Pakistan’s dedicated platform that offers educational and informative content about free loan programs, eligibility criteria, application processes, and verified organizations providing loans without interest. We are not a loan provider. Instead, we aim to be your guide and resource for navigating Pakistan’s interest-free loan system with confidence.
About Akhuwat Foundation
The Akhuwat Foundation is one of Pakistan’s most respected and impactful NGOs. Established in 2001, Akhuwat’s mission is to create a poverty-free society by offering interest-free loans (Qarz-e-Hasna) to the poor and underserved communities.
Key Highlights:
Over 4.5 million families supported
Loans worth PKR 180+ billion distributed
Operates through more than 800 branches across Pakistan
Model based on Islamic Microfinance
Loans range from PKR 10,000 to PKR 500,000
Repayment in easy installments
Akhuwat promotes financial inclusion and self-reliance through its unique model of community support and mutual trust.
Loan Programs from Non‑Profit Organizations
Akhuwat offers several loan categories to support individuals and families with different financial needs. Below are the most popular ones:
01.
Business Loan (Qarz-e-Hasna)
Designed for small entrepreneurs and daily wage earners. Loan amounts range from PKR 10,000 to 100,000 to start or grow small businesses.
02.
Agricultural Loan
For farmers who need seasonal financing for seeds, fertilizers, and other inputs. These loans are usually short-term and easy to repay.
03.
Education Loan
Students can get help to pay tuition and academic fees. These loans cover college, university, and technical education costs.
04.
Housing Loan
Akhuwat also provides small home loans for construction or repair purposes. The Akhuwat Foundation home loan supports the dream of owning a decent shelter.
Eligibility Criteria & Required Documents
While the program is open to all deserving citizens, the following criteria apply:
Pakistani nationality
Age between 18 and 60 years
Proof of income or business plan
Must not be a defaulter with any financial institution
Two guarantors (non-family)
CNIC and verified residential address
How to Apply for an Interest-Free Loan via Non-Profit Organizations?
If you meet the eligibility criteria, follow this step-by-step guide:
Visit the Nearest Branch
Locate the nearest Akhuwat office using the Akhuwat Foundation contact number or through their official website.
Fill Out the Application Form
Provide your personal and financial details honestly.
Attach Required Documents
Include your CNIC copy, electricity/gas bill, two passport-size photos, and a business plan (if applying for a business loan).
Provide Two Guarantors
Non-family members are required to vouch for your credibility.
Interview and Evaluation
Akhuwat staff will verify your documents and possibly visit your home/business.
Loan Disbursement
If approved, funds are transferred to your bank account or provided in cheque/cash.
How to Contact?
Akhuwat Foundation Helpline Number: 042-111-448-464
Head Office: 19-C, Civic Center, Sector C, Township, Lahore
Official Website: www.akhuwat.org.pk
Akhuwat Head Office WhatsApp Number: Usually not provided officially—avoid trusting unverified numbers.
Note: Please verify all contact details via their official channels.
FAQ: Common Questions About Interest-Free Loan Providers
Is the Akhuwat Foundation loan really interest-free?
Yes, all Akhuwat loans are 100% interest-free under the Islamic principle of Qarz-e-Hasna
How long does it take to receive the loan?
Processing time may vary from 7 to 21 days, depending on documentation and verification.
Can I apply online?
Currently, the application process is manual. You must visit the nearest branch.
Interest-Free Loans in Pakistan – Other Trusted Sources
Besides Akhuwat, here are other organizations that offer Qarz-e-Hasna:
1. Agahe Pakistan
Offers micro-loans for women and small business owners.
2. Saylani Welfare Trust
Provides financial assistance for poor families and youth entrepreneurs.
3. Ehsaas Program (Kamyab Jawan)
The government’s subsidized loan program for young entrepreneurs.
4. Pakistan Poverty Alleviation Fund (PPAF)
Supports various microfinance and community-based programs.
All these organizations work independently. Always verify the contact numbers and addresses from their official websites.
Important Disclaimer
LoanGuidePK.com is not affiliated with Akhuwat Foundation or any other NGO or government institution. We do not collect applications, offer loans, or take any fees from visitors. This website is purely informational and aims to educate the public about available financial assistance options in Pakistan.
Always apply directly through official channels and never share your personal information with unverified agents.
Your Financial Awareness Hub
In a country where millions face financial challenges, access to trustworthy information can change lives. At LoanGuidePK.com, we believe that everyone deserves a chance to grow, study, and support their families with dignity. With detailed loan guides, eligibility criteria, and contact information, we aim to become Pakistan’s #1 loan awareness portal.
Stay informed. Stay safe. And always double-check before applying for any loan.
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