Akhuwat Loan Scheme 2026 – Apply Online | Interest-Free Akhuwat Foundation Loan Details

The Akhuwat Loan Scheme 2026 is one of Pakistan’s most trusted interest-free microfinance initiatives, launched to support low-income individuals, families, and small entrepreneurs. Managed by Akhuwat Foundation, this scheme is based on the Islamic principle of Mawakhat (brotherhood) and aims to reduce poverty without charging interest (Riba).

For 2026, Akhuwat has continued and expanded its loan programs, focusing on family enterprises, housing, education, health, agriculture, and emergency needs. The scheme is available across Punjab, Sindh, Khyber Pakhtunkhwa (KPK), Balochistan, Gilgit-Baltistan, and Azad Jammu & Kashmir (AJK).

Akhuwat Bank Loan Scheme 2026 Apply Online

What Is Akhuwat Foundation?

Akhuwat Foundation was established in 2001 as a non-profit microfinance organization. Unlike conventional banks, Akhuwat provides Qarz-e-Hasna (interest-free loans) to financially vulnerable individuals. Millions of Pakistanis have benefited from Akhuwat loans to start businesses, build homes, pay education fees, or handle medical emergencies.

Akhuwat Loan Scheme 2026 – Key Highlights

• Loan Type: Interest-free (Shariah-compliant)
• Loan Amount Range: PKR 10,000 to 500,000 (program-dependent)
• Repayment Period: 4 months to 36 months
• Collateral: Not required
• Target Group: Low-income individuals & small entrepreneurs
• Application Mode: Physical application through Akhuwat branches
• Official Website: https://www.akhuwat.org.pk

Types of Akhuwat Loans Available in 2026

1. Family Enterprise Loan

Designed for small businesses and self-employment projects.

• Amount: PKR 10,000 – 50,000
• Duration: 10–36 months

2. Akhuwat Housing Loan

For construction, repair, or extension of houses.

• Amount: PKR 30,000 – 100,000
• Duration: Up to 36 months

3. Education Loan

Supports students facing financial hardship.

• Amount: PKR 10,000 – 50,000
• Duration: 10–24 months

4. Health Loan

For medical treatment and emergencies.

• Amount: PKR 10,000 – 50,000

5. Agriculture Loan

For farmers and small agricultural activities.

• Amount: PKR 10,000 – 50,000
• Duration: 4–8 months

6. Emergency & Marriage Loan

To support urgent family needs.

• Amount: PKR 10,000 – 50,000

Eligibility Criteria for Akhuwat Loan Scheme 2026

To apply for the Akhuwat Loan Scheme 2026, applicants must:

1. Be a Pakistani citizen
2. Be 18 years or older
3. Possess a valid CNIC
4. Belong to a low-income household
5. Have a clear purpose for the loan (business, education, housing, etc.)
6. Provide a guarantor with a valid CNIC

Required Documents

Applicants need the following documents:

• Applicant’s CNIC copy
• Guarantor’s CNIC copy
• Proof of residence
• Proof of income (if available)
• Simple business plan (for enterprise loans)

Akhuwat Loan Scheme 2026 – Application Process

Important: Akhuwat does not charge any application fee online. Beware of fake websites or agents.

Step-by-Step Application Method

• Visit the nearest Akhuwat Foundation branch
• Obtain and fill out the loan application form
• Attach required documents
• Submit the form to the branch office
• Social appraisal and verification will be conducted
• Loan approval process usually takes 3–4 weeks
• Loan is disbursed after approval

Akhuwat mainly follows a community-based approval system, often disbursing loans through mosques or community centers to ensure transparency.

Loan Approval & Repayment System

• Loans are approved after branch manager and area supervisor review
• Repayment is done in easy monthly installments
• No interest or hidden charges are applied
• Late payments are handled with flexibility and counseling

Supported Organizations & Partners

Akhuwat works in collaboration with leading organizations, including:

• Allied Bank
• Bank Islami
• PTCL
• Unilever
• Nestlé
• Careem
• Pakistan Centre for Philanthropy

Contact Details – Akhuwat Foundation

Head Office (Lahore):

• Phone: 042-111-448-464
• Address: Head Office, 19 Civic Center, Sector A2 Township, Lahore
• Website: https://www.akhuwat.org.pk

FAQs

Is Akhuwat Loan Scheme 2026 interest-free?

Yes. All Akhuwat loans are completely interest-free.

What is the maximum loan amount in 2026?

Depending on the program, loans can go up to PKR 500,000.

Can women apply for Akhuwat loans?

Yes. Akhuwat strongly encourages women entrepreneurs.

Is Akhuwat a government bank?

No. Akhuwat is a non-profit organization, not a commercial bank.