The Government of Punjab has launched the latest initiative to empower skilled individuals and budding entrepreneurs. The Punjab Rozgar Scheme provides an opportunity to secure loans ranging from PKR 100,000 to PKR 10 million (1 Crore) to start or expand a business. Here’s everything you need to know about eligibility, benefits, and the application process for this government-supported loan scheme.
What is the Punjab Rozgar Scheme?
The Punjab Rozgar Scheme is a government-backed program aimed at promoting self-employment, supporting small businesses, and encouraging entrepreneurship across Punjab. Whether you have technical skills, a diploma, or simply a great business idea, you can access significant financial support under this scheme.
Loan Amount: Minimum PKR 100,000 to Maximum PKR 10 million (1 Crore)
Loan Tenure: 2 to 5 years with a grace period of 6 months
Mark-up (Interest Rate): Without collateral 4%, With collateral 5%
Who Can Apply?
The scheme targets skilled individuals and aspiring entrepreneurs living in Punjab. Here are the eligibility requirements:
Age between 20 and 50 years
Must be a permanent resident of Punjab with a valid CNIC
Skilled individuals, diploma holders, technical or vocational graduates, university or college students, and certificate holders
Both men and women can apply
Business idea or plan required for new or existing businesses
Key Benefits
Access up to PKR 1 Crore without heavy collateral
Loans available for a wide range of business sectors
Grace period of 6 months to ease the initial repayment burden
Affordable markup compared to private loans
Minimal processing fee of just PKR 2,000
Collateral & Guarantee Requirements
For loans up to PKR 1 million, only personal guarantees are required. For higher amounts, the following conditions apply:
Personal or third-party guarantees
The guarantor must be a Pakistani citizen, preferably from Punjab
Guarantor should either have financial standing equivalent to the loan amount or be a government employee of Grade 10 or above
Guarantor’s age should be under 55 years
No existing default or waived loans in the guarantor’s name
How to Apply
Applying for the Punjab Rozgar Scheme is a simple online process:
Visit the official website of the scheme via JobCity.pk or the designated government portal
Fill out the application form carefully with valid personal and business details
Upload the required documents, including your CNIC, recent photograph, and relevant qualifications
Pay the non-refundable processing fee of PKR 2,000 through official channels only
Avoid sending fees or documents to unauthorized individuals. Always apply directly through the official website.
Other Government Loan Schemes You Should Know
If the Punjab Rozgar Scheme doesn’t meet your needs, here are some alternative government programs available:
Prime Minister Youth Loan Scheme
Loan up to PKR 500,000
Available across Pakistan
No interest, no collateral
Ideal for young entrepreneurs and small businesses
Simple application based on CNIC and a business idea
Apni Chhat Apna Ghar Housing Loan
Get up to PKR 1.5 million
Loan tenure up to 7 years
Available for residents with valid property documents in Punjab
No interest loan for building or renovating a home
Three Marla Free Plot Scheme
Government initiative offering free 3 Marla residential plots
Only for eligible low-income families in Punjab
Punjab Easy Business Loan Scheme
Loans up to PKR 10 million
Processing fee PKR 10,000 (non-refundable)
More documentation required, but potential for higher loan amounts
Option for interest-free financing under certain conditions
Important Reminders
Apply for the amount you genuinely need—borrowing more than necessary increases repayment stress
Government provides these schemes to promote economic stability; misuse or false applications can lead to legal action
Double-check all information and documents before applying
Avoid dealing with agents or intermediaries; use only official websites or government offices
Final Words
The Punjab Rozgar Scheme 2025 is a golden opportunity for skilled individuals, aspiring entrepreneurs, and small business owners to secure affordable financing for their ventures. With loans up to PKR 1 Crore, flexible repayment terms, and low markup rates, this initiative can help unlock your business potential.
Stay updated with the latest government programs by regularly visiting the JobCity.pk website or trusted official sources.
If you want more details on other government initiatives like business loans, youth loans, or housing schemes, explore the information portals provided by the Government of Punjab.
Start your business journey today — turn your ideas into reality with Punjab Rozgar Scheme!