Akhuwat Foundation Loan 2025 – Complete Guide to Interest-Free Microfinance in Pakistan. The Akhuwat Foundation Loan 2025 is one of Pakistan’s most successful and trusted interest-free microfinance programs. Designed to support low- and middle-income families, Akhuwat provides Qarz-e-Hasna (benevolent loans) without interest, collateral, or hidden charges. Whether you want to start a small business, invest in agriculture, or build/renovate your home, this program offers a dignified way to improve your financial stability.
With 870+ branches across Pakistan, Akhuwat is empowering millions through its model of Islamic brotherhood, trust-based lending, and community welfare. This guide covers everything you need to know about loan types, eligibility, application process, benefits, and FAQs.
What Is the Mission of Akhuwat Foundation?
Akhuwat was founded with a clear vision: a poverty-free Pakistan through interest-free financing.
The organization follows a unique model based on:
- Trust-based lending instead of commercial banking
- Community involvement for verification and repayment
- Zero exploitation, ensuring complete financial dignity
- Shariah-compliant financial practices
Through this people-centered approach, Akhuwat reaches deep into underserved areas, supporting entrepreneurship, agriculture, housing, and community development.
Available Loan Products Under Akhuwat Foundation 2025
Akhuwat offers different loan categories to meet the financial needs of families across Pakistan.
1. Family Enterprise Loan – Grow Your Small Business
Ideal for individuals planning to start or expand a small business.
Loan Details
| Feature | Details |
|---|---|
| Loan Amount | Rs. 10,000 – Rs. 50,000 |
| Repayment Period | 10–36 months |
| Interest Rate | 0% (Qarz-e-Hasna) |
| Best For | Shops, home businesses, tailoring, salons, tuition centers |
This loan helps micro-entrepreneurs build sustainable income streams.
2. Agriculture Loan – Support for Farmers
Designed for farmers and rural workers involved in crop farming or livestock.
Loan Details
| Feature | Details |
|---|---|
| Loan Amount | Rs. 10,000 – Rs. 50,000 |
| Repayment Period | 10–36 months |
| Interest Rate | 0% |
| Purpose | Seeds, fertilizers, pesticides, livestock, equipment |
This loan supports Pakistan’s rural economy and helps farmers increase productivity.
3. Housing Loan – For Construction and Renovation
This scheme supports low-income families needing financial help for housing needs.
Loan Details
| Feature | Details |
|---|---|
| Loan Amount | Rs. 100,000 – Rs. 1,500,000 |
| Tenure | 36–108 months |
| Interest Rate | 0% |
| Eligibility | Families living in houses up to 5 Marla, with 8+ family members |
| Purpose | Construction, renovation, sanitation, room addition |
4. Akhuwat Housing Finance Company (AHFC)
For larger housing needs, Akhuwat operates a dedicated Shariah-compliant housing finance company.
| Category | Limit |
|---|---|
| Low-Income Individuals | Up to Rs. 5 Million |
| Middle-Income Individuals | Up to Rs. 10 Million |
- Use: Buying a home or constructing a new house
- Shariah Compliance: Yes
- Contact: 042-35834335
Eligibility Criteria for Akhuwat Foundation Loan 2025
To ensure fairness and transparency, Akhuwat uses specific eligibility rules.
| Criteria | Requirement |
|---|---|
| Age | 18–62 years |
| Identification | Valid CNIC |
| Residence | Must live within 5 KM of an Akhuwat branch |
| Guarantors | 2 non-family guarantors |
| Business Capability | Must be able to start or expand a business |
| Character Verification | Must be a responsible, trusted member of the community |
How to Apply for Akhuwat Loan?
Akhuwat does not offer online loan applications. The process is done in-person to ensure transparency and community-based verification.
Step 1: Visit Your Nearest Akhuwat Branch
Locate a branch near you and collect the loan application form.
Step 2: Social Appraisal
Akhuwat staff will visit your community to assess:
- Your character
- Your financial need
- Your family environment
Step 3: Business Appraisal
They will evaluate your business idea or agricultural/housing requirement.
Step 4: Second Appraisal
A re-evaluation is performed to verify the accuracy of your information.
Step 5: Guarantor Verification
Two non-family guarantors are required and must be trustworthy.
Step 6: Loan Approval Committee Review
Your case is reviewed by the internal committee.
Step 7: Loan Disbursement
If approved, the loan amount is provided without any interest.
Why Choose Akhuwat Interest-Free Loans?
Akhuwat stands out because it offers:
100% Interest-Free Loans
No riba, no extra charges, no hidden deductions.
Community Empowerment
A system built on trust and mutual support.
Shariah-Compliant Finance
Every loan is based on Islamic financial principles.
Easy Access Across Pakistan
870+ branches ensure maximum reach.
Proven Impact
Millions of beneficiaries have successfully started businesses, built homes, and improved their lives.
Contact Details Akhuwat Foundation Pakistan
| Department | Contact |
|---|---|
| General Helpline | 042 111 448 464 |
| Housing Finance (AHFC) | 042-35834335 |
| Website | www.akhuwat.org.pk |
| Branches | 870+ nationwide |
Conclusion
The Akhuwat Foundation Loan 2025 is more than just financial support — it’s a lifeline for families striving for stability, dignity, and economic independence. Whether you are an entrepreneur, farmer, or homeowner, Akhuwat’s interest-free model offers a fair and ethical pathway to growth.
If you want to start a business, improve your home, or uplift your family’s financial future, visit your nearest Akhuwat branch today and begin your journey toward empowerment.
FAQs – Akhuwat Foundation Loan 2025
1. Is the Akhuwat loan truly interest-free?
Yes. All loans are 100% interest-free (Qarz-e-Hasna).
2. Can I submit an online application?
No. You must visit the branch to apply.
3. What is the maximum loan amount?
- Regular Akhuwat housing loans: Up to Rs. 1.5 million
- AHFC housing loans: Up to Rs. 10 million
4. What documents are required?
- CNIC
- Two non-family guarantors
- Business or housing details (depending on loan type)
5. Who is eligible?
Any Pakistani aged 18–62 living within 5 KM of a branch with the ability to start a business or project.
6. How long does approval take?
Usually a few weeks, based on verification and branch load.
