- Akhuwat Loan (Qarz-e-Hasna / Interest-Free Loan)
- Akhuwat College or University Admission
- Akhuwat Health Services
- Akhuwat Clothes Bank (donation or support)
- Akhuwat Housing Loan
- Job application with Akhuwat Foundation
Let me know which one you’re interested in, and I’ll guide you step-by-step on how to apply.
If you’re asking about applying for a loan, here’s a general guide:
✅ How to Apply for Akhuwat Loan (Qarz-e-Hasna)
- Visit Your Nearest Akhuwat Office:
Applications are usually processed in person through your local Akhuwat branch.
Use this link to find a nearby branch:
🌐 Akhuwat Branch Locator
- Required Documents:
CNIC (Computerized National Identity Card)
Recent photographs
Utility bills (for address verification)
Business or income details
References from your community
- Submit Application Form:
Forms are available at the branch or can be downloaded (some locations).
You may be interviewed and your home/business visited by their team.
- Community Involvement:
Akhuwat often involves local mosques or community centers in the loan approval process.
- Loan Disbursement:
If approved, funds are typically given in a public ceremony to ensure transparency.
About Akhuwat Foundation
Established in 2001 in Lahore by Dr. Amjad Saqib, Akhuwat is a nonprofit focused on poverty alleviation through interest-free microfinance and community programs .
It has expanded to over 800 branches in more than 400 cities across Pakistan .
To date, Akhuwat has disbursed over 5–6 million interest-free loans, amounting to PKR 180–239 billion, benefiting around 3 million families, with a repayment rate of 99.9% .
🧾 Loan Types & Amounts
Akhuwat offers a variety of loans tailored to address different needs:
Loan Type Purpose Amount Range (PKR) Duration (Months)
Family Enterprise / Business Start or expand micro-businesses 10,000 – 50,000 (up to 650,000 in some cases) 10–36 months
Agriculture Farming inputs and livestock support 10,000 – 50,000 4–8 months
Liberation To free borrowers from high-interest debt 10,000 – 100,000 10–36 months
Housing Constructing or repairing homes 30,000 – 100,000 (some sources up to 1,000,000) Up to 36 months
Education Tuition or education-related expenses 10,000 – 50,000 10–24 months
Health / Emergency Medical or urgent financial needs 10,000 – 50,000 10–24 months
Marriage Wedding-related expenses 10,000 – 50,000 10–24 months
Additional categories include Khawajasira (transgender support) and Car loans, depending on eligibility and branch availability .
⚙️ Eligibility & Application Process
Applicants must be Pakistani citizens aged 18–62 (some say up to 65) and possess a valid CNIC.
Typical requirements include proof of residence, an identity card, two community guarantors (or peer group), and a basic income or business plan .
Applications are submitted at the nearest branch. Applicants may form peer groups of 3–6 members who mutually guarantee each other’s loans, or apply as an individual with guarantors .
Akhuwat emphasizes minimal paperwork, transparency, and a quick local verification process. Approval generally takes about 7–10 working days .
💡 Key Features & Impact
Zero interest and no hidden charges: Borrowers repay only the principal amount, without any markup .
Optional mutual support fund contribution of approximately 1% (voluntary) for borrowers to give back .
99.9% repayment rate, indicating high borrower accountability and trust within communities .
Community-based model: Loans are disbursed via religious centers (like mosques or churches), leveraging volunteer networks and community solidarity .
🚩 Things to Watch Out For
Beware of scams: Some users have reported fraudulent messages or contacts impersonating Akhuwat, asking for advance payments for loan approval. These are scams — official Akhuwat branches never ask for advance fees besides small mandatory registration fees, if any .
If you’re approached by someone claiming to be from Akhuwat and demanding money, do not proceed. Report to local authorities if needed.
✅ How to Apply
- Locate your nearest official Akhuwat branch via their website.
- Prepare essential documents: valid CNIC, proof of residency, two guarantors, and, if applying for a business loan, a simple business or income plan.
- Visit the branch or apply via the online portal (if available in your area).
- Undergo verification and participate in a peer group or choose individual guarantee.
- Receive training or guidance as required.
- Loan is disbursed — normally through community gatherings at religious centers or branch events.
- Begin repayment per agreed schedule (all loans are interest‑free).
Summary
Akhuwat Foundation provides completely interest-free loans to empower low-income Pakistanis across multiple categories.
Loan amounts range from PKR 10,000 up to PKR 100,000–650,000, varying by program.
Its model is built on trust, community solidarity, and dignity, resulting in one of the highest microfinance repayment rates nationwide.
Always apply through official branches and never fall for scams promising guaranteed fast funding through unofficial contacts.
