Pakistan's Largest Interest-Free Loan Program
Empowering Lives0% Markup Loans
Dignity-driven microfinance for millions of Pakistanis — no hidden charges, no interest, no barriers.
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3.6M+ Families Empowered
99.9% Recovery Rate
366B PKR Total Disbursed
Loan Transparency & Disclosures
No Hidden Costs. No Processing Fees. Zero Markup. Always.
Loan Type Repayment Period Markup Rate Amount Range
Small Business Loan 6–36 Months 0% Markup Rs 10,000 – 100,000 Emergency Loan 3–12 Months 0% Markup Rs 5,000 – 50,000 Education Support 12–24 Months 0% Markup Rs 20,000 – 150,000 Marriage Loan 12–48 Months 0% Markup Rs 50,000 – 300,000 Health Loan 6–24 Months 0% Markup Rs 10,000 – 150,000 Home Improvement 12–36 Months 0% Markup Rs 30,000 – 200,000
🔒 Privacy Policy
📄 Terms of Service
📖 Guidelines
Our Reach
Transforming Pakistan,One Family at a Time
Since our founding, Akhuwat has disbursed interest-free loans to millions of underserved families.
3.6M+ Families Empowered
99.9% Loan Recovery Rate
366B PKR Total Loans Disbursed
What We Do
Our Core Programs
From microfinance to education, Akhuwat's programs are designed to break the cycle of poverty sustainably.
Finance Microfinance Interest-free business loans helping entrepreneurs establish and grow small enterprises across Pakistan.
Education Education Support Scholarships and interest-free loans enabling deserving students to pursue quality education.
Healthcare Health Support Emergency health loans ensuring families can access medical care without financial distress.
Loan Programs
Choose Your Loan Plan
Flexible, interest-free financing tailored to your needs — with complete transparency.
🏪
Business
Small Business
0% Markup
Rs 10,000 – 100,000 Duration: 6–36 Months Easy Installments No Hidden Charges Apply Now → Most Popular
🎓
Education
Education Loan
0% Markup
Rs 20,000 – 150,000 Duration: 12–24 Months Student Support Flexible Terms Apply Now → ⚡
Emergency
Emergency Loan
0% Markup
Rs 5,000 – 50,000 Duration: 3–12 Months Quick Approval No Interest Apply Now → 🏠
Home
Home Improvement
0% Markup
Rs 30,000 – 200,000 Duration: 12–36 Months Renovation Support Easy Approval Apply Now → 💍
Family
Marriage Loan
0% Markup
Rs 50,000 – 300,000 Duration: 12–48 Months Family Support No Interest Apply Now → 🏥
Health
Health Loan
0% Markup
Rs 10,000 – 150,000 Duration: 6–24 Months Medical Support Quick Processing Apply Now →
Application Status
Track Your Loan
CNIC number daalein ya application ID — AI aapki status turant check karega.
Check Your Application
CNIC number ya Application Reference ID daalein apni status check karne ke liye.
Check Status
Test karein: 35202-1234567-8 | AKH-789456 | 35202-9876543-1
"
People deserve to live with dignity and get support in transforming their lives. Akhuwat aims to play its role in empowering people and paving sustainable pathways out of poverty through microfinance and education.
— Dr. Amjad Saqib, Founder, Akhuwat
Apply for an Interest-Free Loan
Form fill karein — tamam details seedha aapke WhatsApp pe bhej di jaayengi.
✓ Eligibility Criteria
Pakistani citizen with valid CNIC
Age 18–65 years
No prior loan default history
Valid guarantor required
Proof of income or business
Permanent residential address
Loan Type
Apni zaroorat ke mutabiq loan program select karein
Loan Amount
Amount select karein
Min: Rs 5,000
Rs 25,000
Max: Rs 100,000
Personal Information
Sahi details daalein — verification ke liye use hogi
Home Address *
Employment & Income
Apne peshay ke baare mein batayein
Occupation *
Select Business Owner Salaried Employee Daily Wage Worker Farmer Student Homemaker Other
Monthly Income
Select Range Below Rs 10,000 Rs 10,000–25,000 Rs 25,000–50,000 Rs 50,000–100,000 Above Rs 100,000
Loan Purpose *
Start Business
Expand Business
Education Fees
Medical Emergency
Home Repair
Marriage
Debt Repayment
Other
Repayment Duration
Select 3 Months 6 Months 12 Months 18 Months 24 Months 36 Months 48 Months
Additional Notes
Is application submit karne se aap yeh confirm karte hain ke di gayi tamam malumat sahih hai. Koi processing fee nahi hai. Submit karne par tamam details seedha WhatsApp +92 319 0784209 par bhej di jaayengi.
Submit karne par
tamam details automatically WhatsApp
+92 319 0784209 par bhej di jaayengi
✓
Application Submit Ho Gayi!
Aapki tamam details WhatsApp +92 319 0784209 par bhej di gayi hain. Hamari team 3–5 working days mein review karke aapse rabta karegi.
AKH-000000
Yeh reference number save kar lein apni application track karne ke liye.
Track Your Application
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Sawaal? +92 319 0784209 ya email karein
Privacy Policy Last updated: January 1, 2025
1. Information We Collect Akhuwat Foundation loan applications process karne ke liye personal information collect karta hai:
Full name, CNIC number, and date of birth Contact information including phone and email Home and business address Financial information including income and employment details Loan application history and repayment records 2. How We Use Your Information Loan application evaluate karne ke liye Application status updates bhejne ke liye Identity verification ke liye Regulatory requirements comply karne ke liye Relevant program updates (consent ke saath) 3. Data Security Aapka data securely store kiya jaata hai aur sirf authorized personnel access kar sakte hain. Industry-standard security measures use kiye jaate hain.
4. Data Sharing Hum aapka data kisi third party ko commercial purposes ke liye nahi dete. Sirf:
Pakistani law ki zaroorat par regulatory authorities Aapki application mein named guarantors Loan delivery mein involved partner organizations
Terms of Service Apply karne se pehle inhe parh lein
1. Loan Agreement Akhuwat se loan le kar aap original amount monthly installments mein wapas dene ka waada karte hain. 0% markup — koi interest ya service charge nahi.
2. Eligibility Pakistani citizen with valid CNIC 18 se 65 saal ki umar Qualified guarantor zaroori Koi defaulted loan history nahi 3. Repayment Terms Monthly installment dates par payment zaroori hai. Flexible repayment periods 3 se 48 months.
4. Default Policy Non-payment par Akhuwat field officers rabta karenge. Repeated defaults future loans ke liye ineligibility aur legal action ka sabab ban sakte hain.
5. Application Accuracy Sab information sahih honi chahiye. Galat information se application reject ya cancel ho sakti hai.
Application Guidelines Apply kaise karein aur kya expect karein
Step 1: Loan Type Choose Karein Available programs review karke apni zaroorat ke mutabiq select karein. Repayment capacity dhyan mein rakh kar wisely choose karein.
Step 2: Documents Tayyar Karein Original CNIC 2 passport-size photographs Proof of income (salary slip, business records) Proof of residence (utility bill) Guarantor's CNIC aur contact details Step 3: Application Submit Karein Online ya nearest branch. Online applications 3–5 working days mein review hoti hain.
Step 4: Verification Akhuwat field officer ghar ya business visit karega. Yeh visit zaroori hai — 30–60 minute.
Step 5: Disbursement Approval ke baad loan directly aapko mil jaayega. Typically local mosque mein ceremony hoti hai.
Repayment Disbursement ke ek mahine baad installments shuru. Kisi bhi Akhuwat branch par payment kar sakte hain.
