Akhuwat does not currently offer an option to apply for a Qard‑e‑Hasan (interest‑free) loan fully online. To initiate the application process, you’ll need to visit an Akhuwat branch in person.
📝 Step-by-Step Guide to Apply
- Check Your Eligibility
You must:
Be a Pakistani citizen aged 18–62 with a valid CNIC.
Be economically active and have a viable business plan or reason for the loan.
Provide two guarantors (for individual loans) or form a group of 3–6 members (for group loans), who are not close relatives.
Live within about 2–2.5 km of an Akhuwat branch.
Have a clear social profile (no criminal record, good community standing).
- Gather Required Documents
Bring to the branch:
Your CNIC (and CNICs of guarantors/group members).
Recent utility bill for address verification.
Recent photograph.
Copy of Nikahnama (if applicable). Additional documents may be requested depending on the loan type.
- Visit Your Nearest Branch
Submit your application form and required documents.
Unit Manager conducts a social appraisal (home/community visit) and business appraisal.
Branch manager reviews your case, followed by approval from the Loan Approval Committee.
- Fund Disbursement
Once approved (typically within 3–4 weeks), disbursement happens at a mosque or community center.
Loans are disbursed via cash-over-counter or bank transfer. You’ll also receive social guidance on finance and ethical principles.
Want to Prepare Before Visiting?
Read up on products and process online:
Overview of loan types & fee structure: “Loan Products” on Akhuwat’s website
Detailed process breakdown here: “Loan Process” page
Next Steps
- Find your nearest branch: Contact their main desk at 042‑111‑448‑464 or use their Branch Network link.
- Gather documents and prepare your business plan.
- Visit in person to submit your application
Helpful Video Walkthrough
This YouTube video explains the steps in plain language and visual detail, perfect if you want to see the on-the-ground process before you go:
Summary
Although you can’t apply entirely online, you can:
Prepare ahead by understanding the process, eligibility criteria, and required paperwork from their website.
Drop by your nearest Akhuwat branch with your documents.
After social & business appraisal, attend disbursement event and attend monthly repayment sessions.
Let me know if you’d like help locating the branch nearest to you in Lahore or preparing required documents!