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Pakistan’s Prime Minister’s Youth Business & Agriculture Loan Scheme (PMYB&ALS) includes a Tier-4 laptop-financing facility with a 0% end-user rate. It is limited by laptop category and applicant eligibility, and the published terms also require a 20% equity contribution, a family-member guarantee and an undertaking to retain the student’s degree until the loan is repaid. Students apply through a participating bank’s university referral process; confirm that the route is active before relying on it.
What the 0% laptop loan covers
The State Bank of Pakistan’s Tier-4 circular, dated February 3, 2025, describes laptop financing for students at HEC-recognized institutions, freelancers and young entrepreneurs. Its 0% rate is the end-user rate for this laptop product—not a promise that every applicant will be approved or that the full purchase price will be financed. Read the SBP Tier-4 circular.
This laptop facility is distinct from PMYB&ALS business and agriculture financing in Tiers 1–3. The SBP overview lists those tiers separately: Tier-1 loans up to Rs. 0.5 million at 0% markup, Tier-2 loans above Rs. 0.5 million through Rs. 1.5 million at 5%, and Tier-3 loans above Rs. 1.5 million through Rs. 7.5 million at 7%. Those rates should not be confused with Tier-4’s laptop terms. See the SBP scheme overview.
Who may qualify
Students
The circular’s student criteria are Pakistani citizenship, age 18–30, and current study at an HEC-recognized educational institution. Student applications depend on an arrangement between the institution and an interested bank: the university refers students through the PMYP portal, and installments are added to university fees for collection through the financing bank.
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Freelancers and young entrepreneurs
The circular also includes freelancers and young entrepreneurs, but it does not say they use the student university-referral route. Banks are to seek a business plan showing productive use of the laptop and assess repayment capacity. They may consider the combined income of primary and secondary borrowers.
How much can be financed
The circular sets maximum financing by laptop category. The applicable amount is the category ceiling or the laptop’s actual cost, whichever is lower.
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| Laptop category | Maximum financing under the February 3, 2025 SBP circular |
|---|---|
| Basic | Rs. 150,000, or actual cost if lower |
| Medium | Rs. 300,000, or actual cost if lower |
| Advanced | Rs. 450,000, or actual cost if lower |
The circular does not identify brands, models, technical specifications, retailers or online marketplaces as approved. Confirm that a proposed laptop and its price fit the bank’s process before making a purchase.
What “0% interest” does—and does not—mean
The borrower-facing end-user rate is 0%, while the circular lists a bank rate of KIBOR+3. The borrower still has to meet the facility’s other terms:
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- Equity: the debt-equity ratio is 80:20. The borrower should confirm with the bank how the contribution is calculated for the selected laptop.
- Repayment term: financing can run for up to four years; the circular does not state that every borrower receives the maximum term.
- Student security: the university or college provides an undertaking to retain the degree as collateral until final settlement.
- Guarantee: a family member’s personal guarantee is required.
- Credit reporting: the circular says all types of loans will be reported in E-CIB.
These are the published scheme terms, not a guarantee of approval or a statement that there are no other bank-specific charges or steps. Ask the financing bank to disclose the total amount payable, contribution, installment schedule and any applicable charges before accepting an offer.
How students can apply
- Ask your institution first. Contact its financial-aid office or designated scheme office and ask whether it has an active MOU with a participating commercial or Islamic bank for Tier-4 laptop financing.
- Confirm the referral route. Under the SBP circular, the university refers eligible students to banks through the PMYP portal. The PMYP portal is the scheme’s online entry point, but a portal listing alone does not establish that applications are currently open.
- Check current bank participation and status. Ask the university and bank whether they are accepting Tier-4 applications now, what documents they require, and which laptop category and purchase process they accept.
- Review the written terms before proceeding. Verify the approved amount against the category ceiling and actual price, your 20% contribution, repayment duration and collection method, family guarantee, and degree-retention undertaking.
The SBP overview links applicants to the PMYP portal, but the published sources do not establish which university-bank MOUs are active now or whether applications are open on a particular date. Treat availability as something to verify directly rather than assuming the scheme is currently accepting applications.
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How freelancers and young entrepreneurs should proceed
Contact PMYP and a participating bank to confirm the current application channel for non-student applicants. Prepare a business plan that explains how the laptop will be used productively and be ready for the bank’s repayment-capacity assessment. The circular does not establish that non-student applicants can apply through a university referral.
Has the scheme changed for 2026–27?
On February 24, 2026, Pakistan’s Press Information Department reported that PMYP was preparing an expansion for the 2026–27 cycle and that the Tier-3 ceiling was under review. That announcement concerned a planned expansion and Tier-3 review; it did not announce new Tier-4 laptop ceilings or establish that revised laptop terms are in force. Read the government update. For Tier-4 limits and application availability, confirm current terms with the institution, portal and bank.
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