Latest News Akhuwat Foundation Loan 2025 – A Complete Guide to Interest-Free Microfinance in Pakistan
Akhuwat Foundation Loan
The Akhuwat Foundation Loan 2025 continues to be one of Pakistan’s most impactful interest-free loan programs, offering financial support to individuals who want to start businesses, grow agricultural activities, or improve their homes. Built on Islamic principles of Qarz-e-Hasna (benevolent lending), Akhuwat provides loans without interest, collateral, or hidden charges, making it the most accessible microfinance system in the country.With over 870+ branches nationwide, Akhuwat has successfully empowered millions of families, helping them escape poverty and build a sustainable livelihood. If you’re planning to apply for an Akhuwat loan this year, this comprehensive and updated guide covers everything you need to know.
Understanding Akhuwat Foundation’s Mission in 2025
Akhuwat was founded with a simple yet powerful vision:
to eliminate poverty through interest-free microfinance and community-driven development.
Unlike commercial banks, Akhuwat operates on:
- Trust-based lending
- Community involvement
- Zero exploitation policy
- Shariah-compliant financing
- Social and economic inclusion
In 2025, the foundation continues expanding its reach in remote and low-income areas, helping individuals build financial stability through ethical and dignified financial support.
Types of Loans Offered Under Akhuwat Foundation 2025
Akhuwat provides several interest-free loan programs. Below are the major loan categories along with updated details.
Family Enterprise Loan – Boosting Small Business Growth
The Family Enterprise Loan supports individuals who want to start or expand micro and small-scale businesses.
- Loan Amount: Rs. 10,000 – Rs. 50,000
- Repayment Period: 10 – 36 months
- Interest Rate: 0%
- Best For: Shopkeepers, home-based businesses, tailors, freelancers, beauticians, service providers
This loan is ideal for beginners who need small capital to stabilize or expand their income sources.
Agriculture Loan – Supporting Farmers and Rural Workers
Akhuwat’s Agriculture Loan helps farmers improve production, livestock management, and essential farming operations.
- Loan Amount: Rs. 10,000 – Rs. 50,000
- Repayment Period: 10 – 36 months
- Interest: 0%
- Use Cases: Buying seeds, fertilizers, pesticides, tools, renting tractors, livestock management
This loan continues to be a major support system for Pakistan’s farming community.
Housing Loan – For Home Construction & Renovation
This program assists low-income families who want to build or renovate their homes.
- Loan Amount: Rs. 100,000 – Rs. 1,500,000
- Loan Tenure: 36 – 108 months
- Interest: 0%
- Eligibility: Household size of 8+ members, residence up to 5 Marla
- Purpose: Constructing rooms, repairing roofs, sanitation improvements, structural upgrades
This is one of the most sought-after loan categories in 2025 due to rising construction costs.
Akhuwat Housing Finance Company (AHFC) – Large Loan Facility
For larger home construction or purchase projects, Akhuwat operates AHFC, a specialized housing finance division.
- Low-Income Individuals: Up to Rs. 5 million
- Middle-Income Individuals: Up to Rs. 10 million
- Shariah-Compliant: Yes
- Purpose: Full home construction or property purchase
- Helpline: 042-35834335
Eligibility Criteria for Akhuwat Foundation Loan 2025
To ensure fairness and transparency, Akhuwat follows strict eligibility rules.
| Eligibility Category | Required Details |
| Age Limit | 18 to 62 years |
| CNIC Requirement | Valid CNIC |
| Location | Must live within 5 KM of an Akhuwat branch |
| Guarantors | Two non-family guarantors |
| Business Ability | Must be able to start or run a business |
| Community Reputation | Should be a responsible and trustworthy member of society |
Step-by-Step Akhuwat Loan Application Process (Updated 2025)
- Akhuwat does not offer online applications. All applications must be submitted at your nearest branch.
- Find the closest branch through the official website or helpline.
- Fill out the form carefully and attach CNIC copies and guarantor details.
- Akhuwat officers visit your neighborhood to assess your character, honesty, and social reputation.
- They evaluate your business plan or financial need.
- A follow-up check ensures all information is accurate.
- The guarantors are contacted and verified.
- Your case is reviewed and approved if all criteria are met.
- Loan is given at the mosque or branch through an official disbursement ceremony.
Akhuwat Contact Information
- General Helpline: 042-111-448-464
- AHFC Housing Helpline: 042-35834335
- Website: www.akhuwat.org.pk
- Branches: 870+ nationwide
FAQs About Akhuwat Foundation Loan 2025
1. Are Akhuwat loans completely interest-free?
Yes. All Akhuwat loans follow the Qarz-e-Hasna model and are 100% interest-free.
2. Can I apply online for an Akhuwat loan?
No, Akhuwat strictly deals with in-person applications at branches.
3. How long does approval take?
It usually takes 2–4 weeks, depending on the branch workload and verification process.
Conclusion
The Akhuwat Foundation Loan 2025 continues to empower individuals across Pakistan through interest-free, Shariah-compliant, and community-supportive financing. Whether you need capital for business, farming, or home improvement, Akhuwat offers a dignified and ethical solution. If you’re seeking financial assistance, visit your nearest Akhuwat branch today and take the first step toward stability and self-reliance.
