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Prime Minister’s Youth Training Scheme

Brief Description

Aimed at training the educated youth of Pakistan through internship in private and public sector offices.

Eligibility Criteria

  • 16 years HEC recognized degree or equivalent.
  • Diploma of 3 years after Matric / FSc.
  • Madrassah graduates are also entitled to apply.
  • 50% of marks or 2.5 CGPA in final degree/diploma is the minimum threshold for selection of interns.
  • Age limit is upto 25 years on 28-02-2017.
  • Pakistani National.
  • There is no gender discrimination female candidates will be encouraged to apply.

Geographical Spread

All over Pakistan


Rs.12,000 per month for 12 months

Number of Interns


Training Programme

Focal points in each private and public office will be responsible for ensuring effective use of the internees’ services

Areas of Training

All leading private sector firms/bodies and development sector organizations, federal, provincial and local government offices including educational institutions will be offered services of the internees

Allocation of Interns

Primarily, the allocation of interns will be made in accordance with the NFC award and FPSC’s recruitment criteria for provincial/regional quotas for all three years. The selection of Interns will be as per their domicile but can be placed in originations outside of their domicile region based on the demand profile and matching of applicant profile. Per year allocation of interns is as under

Province Quota Total Batch-I & II Total Batch-III Total Placement
Punjab 25000 15671 9282 24953
Sindh 9500 4976 4350 9326
Khyber Pakhtunkhwa 5750 4212 1698 5910
Balochistan 3000 1365 1745 3110
GB/FATA/ICT 5750 2523 2760 5283
Azad jammu and Kashmir (AJK) 1000 544 511 1055
Total 50000 29291 20346 49637

Prime Minister’s Interest Free Loans Scheme

Brief Description

Micro-finance facility aimed at helping the industry raise current access level of 2.5 million people to 5.0 million in next 5 years.

Eligibility Criteria

Vulnerable rural and urban poor with a poverty score of up to 40
The focus of the program would be in the category of the poor scoring between 18.5 and 40. Even though double dipping will not be allowed to those who are recipients of loans under BISP, since not all those scoring up to 18.5 are BISP recipients (BISP micro-scheme or actual BISP) or taking loans under BISP umbrella, they will be eligible provided they meet other requirements of this scheme.
For further details visit http://www.ppaf.org.pk/ .

Focus on Women

50% of loans will go to women borrowers.

Geographical Spread

All over Pakistan, preferably limited and un-served areas.
The focus will be on districts with no or low microfinance network facilities. Districts in which microfinance beneficiaries are 12 percent or below as per the Micro Finance Network (MFN) data, will be given first priority


It will not carry any mark-up.

Tenor of Loan

Up to 3 years

Size and Number of Loans

250,000 loans of Rs.25,000 average (upto RS 50,000)

Important Stats

Total Budget 3.5 billion
Total amount released 3.5 billion

Achievements Total
Number of Loans Disbursed 272,092
Women Borrowers 62%
Amount disbursed to Borrowers
(Rs. In Million)
Amount Disbursed to 26 POs by PPAF till date (Rs. In Million) 3,100
Average loan size 22,455
Rate of Recovery (99%)
No of Partner Organizations (POs) 26
Number of branches/loan centers established 233
No. of Districts Covered 44
No of Union Councils (UCs)Covered 431

Prime Minister’s Youth Business Loan Scheme

Brief Description

The name of the scheme will be “Prime Minister’s Youth Business Loans” and it will focus on (but will not be restricted to) unemployed youth, especially educated youth looking for establishing or extending business enterprises.

Eligibility Criteria

CNIC holder;
Age 21-45;
Entrepreneurial potential;
Applicant may apply for loans under this scheme only from the designated branch mapped with his/her area of residence/business

Security Requirements

One/Up to 03 Guarantor/s having cumulative income equal to 1.5 of the amount applied for under the scheme Personal/Blood relations can also give guarantee for a borrower.
A government servant of BPS-16 and above can also act as a guarantee.

Focus on Women

50% quota of women borrowers.

Debt-Equity Ratio

90:10 with tenor of up to 8 years (including 1 year grace period).  The borrower’s contribution of equity would be either in the form of cash or immoveable property, and will be required only after approval of the loan.

Permissible collaterals (business hypothecation)


6% fixed for borrower but government will pay the difference of the cost at KIBOR+500 bps.

Sectoral Distribution of Loans

For the time being, there will be no limit on the maximum number of loans for any sector. Placement of ceilings can be considered subsequently keeping in view the importance of sectors and applications received for various sectors.

Size of Loan

Up to Rs. 20 lacs

Geographical Distribution

Whole of Pakistan
In the case of Balochistan, at least one branch of NBP will be designated per division
All non-designated NBP branches will guide the borrowers to the nearest designated branch along with facilitation to receive and dispatch the application to the nearest designated branch if so requested by the borrower.

SBP to ensure that loans are broadly in conformity with provincial populations.

Form processing Fee

Non-refundable form processing fee would be Rs.100/- at the time of submission of form. However, no fee will be charged for the form itself and a photocopy will also be admissible.

Application Form

Will require minimum essential information and the format will be as simple as possible to facilitate applicants


SBP will arrange appropriate training for private banks to implement the scheme. NBP and FWBL will provide appropriate training to their own staff. NBP will also assist in training of FWBL and SMEDA Staff

Executing Banks

Sectors and Products

All sectors. Standardized schemes/projects/ undertakings will be designed by SMEDA, projects designed by private sector service providers or by individuals themselves.
Role of SMEDA:
The 50 or so feasibilities prepared and uploaded by SMEDA would be extensively publicized and their access to public made easier through multiple linkages with other relevant websites;
SMEDA will work closely with Punjab Information Technology Board (PITB) to ensure that the schemes are accessible to those who participated in the PITB survey;

Important Stats

Banks Applications Received Applications sanctioned Disbursement
No. Amount No. Amount
ABL 12 6 5.60 6 5.60
Askari Bank 22 6 5 6 5
Albaraka 62.00 43.00 36.36 40.00 30.74
Bank Alfalah 24.00
Bank Al Habib 54.00 22.00 37.48 22.00 37.48
Dubai Islamic Bank 2.00 2.00 3.70
Faysal Bank
FWBL 569 208 237.87 165 184.01
HBL 35 11 15.40 6 7.75
JS Bank 44 8 14.10 8 14.10
Meezan Bank 509 226 156.77 211 156.94
Sindh Bank 42 26 42.97 25 39.61
Soneri Bank 3
Summit Bank 268 205 200.13 187 180.15
UBL 234 47 57.08 33 41.20
Total 1,882 810 812.62 709 702.74

Prime Minister’s Fee Reimbursement Scheme

Brief Description

Aimed at encouraging pursuit of higher education by students from less developed areas through financing of their tuition fees paid directly to universities.  Upfront payment of tuition fees directly to the universities at the time of admission by the deserving students has been started from Spring 2015 semester.

Eligibility Criteria

All students registered in Masters/Ph.D programs in an HEC approved public sector educational institution.
For further details visit http://www.hec.gov.pk/frs

Geographical Spread

Students domiciled in interior Sindh, Southern Punjab (Divisions of Multan, Bahawalpur and DG Khan), entire Balochistan, less developed areas of KP (Malakand, Kohistan, DI Khan, Lakki Marwat, Batagram, Kala Dhaka/Torghar, Hangu, Kohat, Bannu and Karak), GB  and FATA.

The districts of Layyah, Mianwali, Bhakkar, Khushab, and Attock will also be included.

Average Tuition Fees

Rs.40,000 per year

Total Number

50,000 students (year 2013-2014)

Executing agency

Higher Education Commission (HEC) in collaboration with the Ministry of Education and Trainings, which will be responsible for its implementation on the ground.

Important Stats

Province 2013-2014 2014-215 2015-2016 Grand Total
Punjab 18084 11010 14677 43771
Sindh 8096 9264 5383 22743
KPK 8792 11198 9563 29553
Balochistan 11100 13553 3815 28468
ICT 394 604 593 1591
AJK 3279 4929 9179 17387
GB 2250 2100 4935 9285
Total 51995 52658 48145 152798

Update on FY 2016-17:

  • First phase of online registration for newly enrolled students was launched during 15thJuly 2016 to 30th Nov 2016.
  • Second and last phase of online registration for newly enrolled students has been started from 1st January 2017 and last date is 15th April 2017.

The status of students registered so far is as under:

 New Registration Approved Disapproved Pending Total Registered students
22726 567 5299 28592

Following is the program wise detail of amount released to universities for FY 2016-17:

  Master MS/M.Phil. PhD Total No. of Students Total Amount (Rs. in Million)
Payment Processed 8,380 4,714 1,244 14,338 629,488,489
Other Administrative Expanses 5,495,044
Total 634,983,533

Executing Agencies

  1. Higher Education Commission (HEC) in collaboration with the Ministry of Education and Trainings, which will be responsible for its implementation on the ground.
  2. www.hec.gov.pk/frs

People to contact

  1. Coordinator:
    Ms. Romina Khurshid Alam, MNA

    Ms. Maiza Hameed MNA

  2. Focal Person: Dr G Raza Bhatti, Member HRD
    E-mail:rbhatti@hec.gov.pkMs Shumaila
    meMs Asmat

PPL announces Scholarship Scheme 2016-2017 for students of Balochistan under a 4-year Study Plan from Grade 9th to 12th 


In order to impart quality education to promising and underprivileged youth of Balochistan, Pakistan Petroleum Limited (PPL) announces scholarships under 4-year educational programme for students of Dera Bugti and other districts in Balochistan who are presently enrolled in Grade 9 at any well-reputed Cadet/ Military/ Residential schools & colleges established by the government across the country.

Details of scholarship schemes together with the eligibility criteria can be obtained from the following advertisement texts.

Online application form will remain available at: http://www.ppl.com.pk/content/education/scholarship-schemes until the deadline on October 31, 2016.