Akhuwat Loan 2025 – Interest-Free Qarz-e-Hasna Registration Reopens

The Akhuwat Foundation, Pakistan’s leading microfinance organization, has officially reopened registrations for its Interest-Free Qarz-e-Hasna Program 2025, offering loans of up to Rs. 15 lakh to deserving individuals — completely without interest.

This initiative is part of Akhuwat’s long-standing mission to fight poverty through compassion, enabling small entrepreneurs, students, and low-income families to start or expand their businesses without falling into debt traps.

According to the Akhuwat Head Office, applications are now being accepted at all Akhuwat Centers nationwide.
Each applicant can avail up to Rs. 15,00,000 (1.5 million) under the Qarz-e-Hasna model, repayable in easy monthly installments over five years.

What Is the Akhuwat Qarz-e-Hasna Loan Program?

The Akhuwat Qarz-e-Hasna Scheme is a completely interest-free loan initiative, inspired by Islamic principles of brotherhood and social justice.
The program is designed for individuals who want to:

• Start or grow a small business or shop.

• Cover education or medical expenses.

• Build or renovate a home.

• Support agricultural or livestock projects.

Unlike conventional banks, Akhuwat does not charge interest or processing fees. Instead, it encourages a community support model, where borrowers repay in kindness so that others may also benefit.

Key Highlights of the Akhuwat Loan 2025

The loans are distributed through Akhuwat branches located inside mosques, reinforcing transparency and community participation.

Eligibility Criteria for Akhuwat Loan 2025

Applicants must meet the following requirements:

1. Be a citizen of Pakistan with a valid CNIC.

2. Fall under the low- or middle-income category.

3. Be between 18 and 60 years of age.

4. Provide 2 to 3 witnesses (guarantors) — preferably community members, local shopkeepers, or family friends.

5. Have a clear repayment plan or business idea.

Married women are also encouraged to apply under the Akhuwat Family Empowerment Program, which focuses on female entrepreneurship and household sustainability.

How to Apply for Akhuwat Loan 2025

Follow these simple steps to apply for your interest-free loan:

✅ Step 1 – Visit Nearest Akhuwat Center

Go to your nearest Akhuwat branch or partner mosque.
You can locate centers via:
🌐 https://akhuwat.org.pk/branches

✅ Step 2 – Fill Out the Application Form

Provide details such as:

• Your name and CNIC number

• Purpose of loan

• Estimated loan amount

• Repayment plan and references

✅ Step 3 – Attach Required Documents

Bring along:

• Copy of CNIC

• Two passport-size photos

• Electricity or gas bill (for address verification)

• Business proposal or income proof (if available)

✅ Step 4 – Provide Witness Verification

Submit the names and CNICs of 2–3 witnesses (guarantors) who can vouch for your credibility.

✅ Step 5 – Attend Interview & Loan Review

You’ll be invited for a short interview or home visit by Akhuwat’s local team for verification.

Once approved, your loan will be disbursed within 2–4 weeks, and repayment will begin after one month.

Loan Repayment Process

Akhuwat follows an honor-based repayment model, encouraging borrowers to repay with integrity.

• Repayments are made in monthly or bi-monthly installments.

• There are no hidden fees, no penalties, and no interest.

• Borrowers can make payments at their local Akhuwat branch or through bank transfer.

• Early repayments are welcomed and help others in the community get loans sooner.

If someone is unable to pay temporarily due to hardship, Akhuwat provides flexible rescheduling to avoid defaults.

Types of Loans Available Under Akhuwat 2025

1. Business Loan – For entrepreneurs starting or expanding small businesses.

2. Education Loan – To help students pay for tuition, books, and fees.

3. Agriculture Loan – For farmers to buy seeds, fertilizer, or livestock.

4. Housing Loan – For home construction or renovation.

5. Health Loan – For medical emergencies and family care.

Each loan category has different limits, but all are interest-free and managed through community-based trust networks.

Why Akhuwat’s Model Works

Unlike commercial banks, Akhuwat operates on a “social collateral” model — meaning community members act as guarantors rather than assets or property.
This builds trust and ensures funds circulate among genuine, hardworking citizens.

Over the years, Akhuwat has achieved a 99.8% repayment rate, proving that compassionate lending works when combined with responsibility and trust.

Frequently Asked Questions (FAQ)

Q1. Can I apply online for the Akhuwat Loan 2025?
Currently, applications must be submitted in person at the nearest branch to verify witnesses and documents.

Q2. How long does approval take?
Typically between 2 to 4 weeks, depending on your local branch workload.

Q3. What happens if I miss a payment?
Akhuwat allows flexible scheduling — they do not impose penalties or interest.

Q4. Can women apply individually?
Yes, Akhuwat encourages female-led applications, especially for home-based businesses.

Conclusion: A Golden Opportunity for Deserving Pakistanis

The Akhuwat Loan 2025 – Qarz-e-Hasna Program is a life-changing opportunity for Pakistanis seeking to start or grow their businesses without paying interest.
With loans up to Rs. 15 lakh, flexible five-year repayment, and a simple witness-based approval system, this initiative continues to empower thousands of families nationwide.

If you’re ready to improve your livelihood, visit your nearest Akhuwat branch today and start your interest-free journey toward financial independence.

👉 Official Website: https://akhuwat.org.pk
📍 Find Branches: https://akhuwat.org.pk/branches