Unemployment and poverty are some of the biggest challenges faced by the youth and small business owners of Pakistan. To tackle these issues head-on, the Government of Punjab has launched the Punjab Rozgar Scheme 2025 – a flagship initiative designed to provide easy, interest-free and low-interest loans to entrepreneurs, youth, and small & medium enterprises (SMEs) across the province.
If you want to start your own business or expand an existing one, the Punjab Rozgar Scheme offers a golden opportunity to get financial assistance up to PKR 10 million. In this detailed guide, we’ll cover everything you need to know including the application process, eligibility criteria, loan features, repayment, and more.
What is Punjab Rozgar Scheme?
The Punjab Rozgar Scheme is a government-funded loan program introduced by the Punjab Small Industries Corporation (PSIC) under the umbrella of the Punjab Government. The scheme offers soft loans to young entrepreneurs, startups, skilled individuals, IT professionals, women, and existing small businesses to boost economic activities and job creation.
It is part of the government’s vision to make Punjab economically strong by encouraging self-employment and reducing reliance on public sector jobs.
Objectives of Punjab Rozgar Scheme
The core aims of the scheme include:
- Promoting entrepreneurship among youth
- Supporting startups and SMEs
- Reducing unemployment in the province
- Boosting the local economy and innovation
- Facilitating women empowerment through inclusive financing
Loan Features – Key Highlights
| Feature | Detail |
|---|---|
| Loan Amount | Minimum: PKR 100,000 Maximum: PKR 10,000,000 |
| Loan Type | Term Loan and Working Capital |
| Markup (Interest) | 0% for some sectors, up to 4% for others |
| Repayment Period | 2 to 5 years |
| Grace Period | 6 months (may vary) |
| Collateral | Required for loans above PKR 500,000 |
| Processing Fee | PKR 2,000 (Non-refundable) |
Who Can Apply?
The scheme is open to a wide range of individuals and groups across Punjab. You are eligible if you fall under the following categories:
Eligibility Criteria
- Age: 20 to 50 years
- Nationality: Must be a resident of Punjab with valid CNIC
- Business Type:
- Startup idea
- Existing business
- Small and medium enterprise (SME)
- Freelancers and IT professionals
- Qualification: At least Matric or equivalent (preferably with technical/vocational training)
- Gender: Both males and females (including transgender individuals) are encouraged to apply
- Bank Account: Applicant must have a valid bank account for loan disbursement
Who is Not Eligible?
- Defaulters of previous government loan schemes
- Individuals with fake documents
- Those with no permanent address in Punjab
How to Apply Online for Punjab Rozgar Scheme 2025?
The entire process is online, transparent, and simple. Follow these steps to apply:
Step-by-Step Registration Process
- Visit the official portal:
👉 https://rozgar.psic.punjab.gov.pk - Click on “Apply Now”
- Create an account using CNIC and mobile number
- Fill in the online application form
- Personal details
- Business plan
- Loan amount required
- Repayment plan
- Upload the required documents (scanned)
- Submit the form
- Pay processing fee of PKR 2,000 online (via bank or mobile wallet)
- Wait for loan evaluation and approval
Required Documents
Before applying, keep the following documents ready:
- Scanned CNIC (front & back)
- Passport-size photo
- Business proposal/feasibility report
- Experience or qualification certificates (if any)
- Proof of income (if applicable)
- Bank account details
- Utility bill of home/business address
Punjab Rozgar Scheme for Women
The Punjab government encourages female entrepreneurship and has reserved a specific quota for women applicants. They are provided:
- Relaxed collateral conditions
- Priority processing
- Preferential sectors (fashion, food, handicrafts, education, IT)
Partner Banks and Loan Disbursement
The scheme is implemented through Bank of Punjab (BOP) and Punjab Small Industries Corporation (PSIC). After your application is approved:
- You will be invited for an interview and documentation
- If cleared, the loan will be disbursed into your bank account
- Monthly installment will begin after the grace period
Sectors Covered by the Scheme
This scheme covers a wide range of business categories:
- Information Technology (IT)
- Manufacturing & production
- Services (salons, tailors, mechanics, tutors, etc.)
- Retail businesses (grocery, garments, electronics)
- Agriculture & Livestock
- Food & Catering
- E-commerce startups
- Women-led home businesses
Helpline and Contact Info
For queries and support:
- ☎️ Punjab Rozgar Scheme Helpline: 042-111-575-111
- 📧 Email: info@psic.gop.pk
- 🌐 Website: https://rozgar.psic.punjab.gov.pk
- 🏢 Office: Punjab Small Industries Corporation (PSIC), Lahore
Frequently Asked Questions (FAQs)
❓ Can students apply for this loan?
Yes, if the student is 20+ years old and has a valid business idea or skill.
❓ Is collateral required for all loans?
No. Collateral is not mandatory for loans under PKR 500,000. Above that, banks may ask for it.
❓ Can I apply again if I was rejected before?
Yes, you can re-apply with corrected information or updated documents.
❓ Is this scheme available outside Punjab?
No. This scheme is only for residents of Punjab.
Final Thoughts
The Punjab Rozgar Scheme 2025 is a golden opportunity for youth, women, and aspiring entrepreneurs to become financially independent and contribute to Pakistan’s economy. With easy loans, flexible repayment, and zero to low markup, this initiative can help turn dreams into reality.
If you have a business idea or a growing venture, don’t wait—apply today and secure your future.