PM Youth Loan Calculator (Pakistan)

Independent repayment estimator for the Prime Minister's Youth Business & Agriculture Loan Scheme (PMYB&ALS), Tiers 1 to 4.

Browser tool — no upload

What do you want to calculate?

Loan amount (Rs)

Loan type

Repayment period (months, grace included)

Grace period (months, Tier 2 and 3 only)

Rs 18,871 a month

Rs 1,000,000Total loan

Rs 132,274Total markup

Rs 1,132,274Total you repay

60Months

Loan	Tier	Markup	Months	Installment
Loan	Tier 2	5% a year	60	Rs 18,871

New business: the scheme asks for your own contribution (debt:equity 90:10 for Tier 1 and 2, 80:20 for Tier 3), about Rs 111,111 on top of the loan amount shown. Existing businesses: nil for Tiers 1 to 3.

Month-by-month schedule

Month	Installment	Principal	Markup	Balance
1	Rs 18,871	Rs 14,705	Rs 4,167	Rs 985,295
2	Rs 18,871	Rs 14,766	Rs 4,105	Rs 970,530
3	Rs 18,871	Rs 14,827	Rs 4,044	Rs 955,702
4	Rs 18,871	Rs 14,889	Rs 3,982	Rs 940,813
5	Rs 18,871	Rs 14,951	Rs 3,920	Rs 925,862
6	Rs 18,871	Rs 15,013	Rs 3,858	Rs 910,848
7	Rs 18,871	Rs 15,076	Rs 3,795	Rs 895,772
8	Rs 18,871	Rs 15,139	Rs 3,732	Rs 880,634
9	Rs 18,871	Rs 15,202	Rs 3,669	Rs 865,432
10	Rs 18,871	Rs 15,265	Rs 3,606	Rs 850,166
11	Rs 18,871	Rs 15,329	Rs 3,542	Rs 834,837
12	Rs 18,871	Rs 15,393	Rs 3,478	Rs 819,445
13	Rs 18,871	Rs 15,457	Rs 3,414	Rs 803,988
14	Rs 18,871	Rs 15,521	Rs 3,350	Rs 788,467
15	Rs 18,871	Rs 15,586	Rs 3,285	Rs 772,881
16	Rs 18,871	Rs 15,651	Rs 3,220	Rs 757,230
17	Rs 18,871	Rs 15,716	Rs 3,155	Rs 741,514
18	Rs 18,871	Rs 15,782	Rs 3,090	Rs 725,732
19	Rs 18,871	Rs 15,847	Rs 3,024	Rs 709,885
20	Rs 18,871	Rs 15,913	Rs 2,958	Rs 693,971
21	Rs 18,871	Rs 15,980	Rs 2,892	Rs 677,992
22	Rs 18,871	Rs 16,046	Rs 2,825	Rs 661,945
23	Rs 18,871	Rs 16,113	Rs 2,758	Rs 645,832
24	Rs 18,871	Rs 16,180	Rs 2,691	Rs 629,652
25	Rs 18,871	Rs 16,248	Rs 2,624	Rs 613,404
26	Rs 18,871	Rs 16,315	Rs 2,556	Rs 597,089
27	Rs 18,871	Rs 16,383	Rs 2,488	Rs 580,706
28	Rs 18,871	Rs 16,452	Rs 2,420	Rs 564,254
29	Rs 18,871	Rs 16,520	Rs 2,351	Rs 547,734
30	Rs 18,871	Rs 16,589	Rs 2,282	Rs 531,145
31	Rs 18,871	Rs 16,658	Rs 2,213	Rs 514,487
32	Rs 18,871	Rs 16,728	Rs 2,144	Rs 497,759
33	Rs 18,871	Rs 16,797	Rs 2,074	Rs 480,962
34	Rs 18,871	Rs 16,867	Rs 2,004	Rs 464,095
35	Rs 18,871	Rs 16,938	Rs 1,934	Rs 447,157
36	Rs 18,871	Rs 17,008	Rs 1,863	Rs 430,149
37	Rs 18,871	Rs 17,079	Rs 1,792	Rs 413,070
38	Rs 18,871	Rs 17,150	Rs 1,721	Rs 395,920
39	Rs 18,871	Rs 17,222	Rs 1,650	Rs 378,698
40	Rs 18,871	Rs 17,293	Rs 1,578	Rs 361,405
41	Rs 18,871	Rs 17,365	Rs 1,506	Rs 344,040
42	Rs 18,871	Rs 17,438	Rs 1,433	Rs 326,602
43	Rs 18,871	Rs 17,510	Rs 1,361	Rs 309,092
44	Rs 18,871	Rs 17,583	Rs 1,288	Rs 291,508
45	Rs 18,871	Rs 17,657	Rs 1,215	Rs 273,852
46	Rs 18,871	Rs 17,730	Rs 1,141	Rs 256,121
47	Rs 18,871	Rs 17,804	Rs 1,067	Rs 238,317
48	Rs 18,871	Rs 17,878	Rs 993	Rs 220,439
49	Rs 18,871	Rs 17,953	Rs 918	Rs 202,486
50	Rs 18,871	Rs 18,028	Rs 844	Rs 184,459
51	Rs 18,871	Rs 18,103	Rs 769	Rs 166,356
52	Rs 18,871	Rs 18,178	Rs 693	Rs 148,178
53	Rs 18,871	Rs 18,254	Rs 617	Rs 129,924
54	Rs 18,871	Rs 18,330	Rs 541	Rs 111,594
55	Rs 18,871	Rs 18,406	Rs 465	Rs 93,188
56	Rs 18,871	Rs 18,483	Rs 388	Rs 74,705
57	Rs 18,871	Rs 18,560	Rs 311	Rs 56,145
58	Rs 18,871	Rs 18,637	Rs 234	Rs 37,508
59	Rs 18,871	Rs 18,715	Rs 156	Rs 18,793
60	Rs 18,871	Rs 18,793	Rs 78	Rs 0

Status: the State Bank of Pakistan still lists this scheme as active on its incentive schemes page (checked 25 October 2026), but we found no dated notice about its validity after 30 June 2026, which some banks mention. Ask a participating bank or the PM Youth Programme before you plan around it.

Eligibility in short: Pakistani citizens with a CNIC aged 21 to 45 (18 for IT and e-commerce businesses, with at least matric); Tier 4 laptop loans are for students of HEC-recognised institutions, freelancers and young entrepreneurs aged 18 to 30. Government employees and guarantors of other scheme loans cannot apply. At least 25% of loans are meant for women. A person can have up to two loans (one short term, one long term) within Rs 7.5 million, and each is charged at its own tier rate.

How the numbers are worked out: equal monthly installments on the reducing balance at the borrower rate of the tier (0% for Tier 1 and Tier 4, 5% for Tier 2, 7% for Tier 3). During any grace period this calculator assumes only markup is paid; banks may do this differently. Real offers also depend on the bank, its checks and your documents. Processing fees, insurance and other charges are not included.

Toolysite is an independent calculator. It is not affiliated with or endorsed by the Government of Pakistan, the State Bank of Pakistan, the PM Youth Programme or any bank, and it does not take applications. Results are estimates for planning and do not confirm eligibility, approval or final terms. Please check current rates, fees and conditions with a participating bank before you decide.

Sources: SBP IH&SMEFD Circular No. 12 of 2022 (Tiers 1 to 3), SBP PMYB&ALS FAQs (26 January 2023), SBP SH&SFD Circular No. 01 of 2025 (Tier-4)

About PM Youth Loan Calculator (Pakistan)

The PM Youth Loan Calculator estimates the monthly installment, total markup and total repayment for loans under the State Bank of Pakistan's Prime Minister's Youth Business & Agriculture Loan Scheme (PMYB&ALS). It covers Tier 1 to 3 business and agriculture loans, two loans taken together (one short term and one long term) and the Tier 4 laptop and prospective overseas worker loans.

The rates and rules come from SBP circulars (IH&SMEFD Circular No. 12 of 2022, the PMYB&ALS FAQs of 26 January 2023 and SH&SFD Circular No. 01 of 2025), last checked on 25 October 2026. Toolysite is independent and is not affiliated with the government, the State Bank or any bank; the estimate does not confirm eligibility or approval. Everything is calculated in your browser.

How to use PM Youth Loan Calculator (Pakistan)

Choose what to calculate: one loan, two loans together, a laptop loan or an overseas worker loan.
Enter the loan amount, the repayment period in months and any grace months.
Read the monthly installment, total markup and the month-by-month schedule.
Check the status note, then confirm the terms with a participating bank.

Help & FAQ

Which loans does this calculator cover?

Tiers 1 to 3 of the Prime Minister's Youth Business & Agriculture Loan Scheme (up to Rs 0.5 million at 0%, above that up to Rs 1.5 million at 5%, above that up to Rs 7.5 million at 7%) and the Tier 4 laptop and overseas worker loans added in February 2025 (both at 0%).

How were these rules checked?

On 25 October 2026 we read the State Bank of Pakistan circulars and FAQs linked at the bottom of the tool: IH&SMEFD Circular No. 12 of 2022, the PMYB&ALS FAQs of 26 January 2023 and SH&SFD Circular No. 01 of 2025.

Is the scheme still open?

On 25 October 2026 the State Bank of Pakistan still listed it as active, and we found no closure notice. We could not find a dated notice about its validity after 30 June 2026, which some banks mention, so ask a participating bank or the PM Youth Programme before you plan around it.

Can I take two loans?

Yes, one short-term and one long-term loan at the same time, within Rs 7.5 million in total. Each loan is charged at the rate of its own tier. Use the two-loans option to see both together.

Does the grace period count inside the 8 years?

The circular says up to 8 years with a grace period of up to one year and does not say more. This calculator keeps the total, grace included, within 8 years. Ask your bank how it applies the grace period and whether markup is paid during it.

Is this the exact installment my bank will quote?

No. It is an estimate from the published scheme terms. Banks can add fees, ask for security and decide whether to approve a loan, so confirm everything with the bank.

Is my data safe?

Yes. This tool runs in your browser, so what you type or open stays on your device and is not uploaded to Toolysite.

Is anything saved?

Nothing you enter is saved on our servers. Only preferences such as favourites and recently used tools are kept in your browser.

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