Loan Application Methods
- In-Person (Official Akhuwat Model)
This remains the core method aligned with their mission:
Visit your nearest Akhuwat center or community branch (often at mosques or local centres) with your documents.
Akhuwat staff will:
- Accept your completed application form.
- Conduct social appraisal (home/community background check).
- Conduct business appraisal (if relevant).
- Review by Branch Manager and Loan Approval Committee, leading to approval. Total time: ~3–4 weeks.
- Official Online Application (Limited Availability)
Some official channels now support an initial online form:
Visit Akhuwat’s official loan portal provided on their official website.
Steps:
- Fill application with name, CNIC, loan type, income, and purpose.
- Upload CNIC scan, income proof, utility bill, and guarantor details.
- Submit and await contact for further verification (via phone or in-person visit).
- If approved, funds disbursed through bank deposit or cash. Approval typically in 1–3 weeks.
⚠️ Important Note: Most online portals offering instant approval or requiring WhatsApp payment are fraudulent and not affiliated with Akhuwat. Real Akhuwat branches never ask for file fees via WhatsApp or guarantee same-day approval.
📋 Loan Types & Amounts
Akhuwat’s interest-free loans support multiple needs:
Business / Family Enterprise: PKR 10,000–650,000
Education, Marriage, Liberation (debt relief), Emergency Health, Agricultural, and Housing loans — up to PKR 500,000 depending on program.
✅ Eligibility Criteria
Pakistani citizen with valid CNIC, aged 18–62.
From a low-income household with economic activity.
Able to provide either:
Two non-related guarantors (individual loan), or
Be part of a group of 3–6 members for group lending.
Reside within ~2–2.5 km of an Akhuwat centre.
📄 Required Documents
CNIC copies (applicant + guarantor(s))
Utility bill or address proof
Income proof (salary slip, bank record, or business income)
Recent passport-size photo
Business plan or education proposal, if applying for those categories
📅 Approval & Disbursement
In-person process typically: 3–4 weeks from application to disbursement.
Online route (where available): may take 1–3 weeks depending on verification steps.
Disbursement often occurs in held community events (e.g., at mosques or churches) after approval.
💰 Fees & Costs
No interest or hidden fees—only repay the principal amount.
Some programs may include a small nominal service/registration fee, but transparent and not considered interest.
⚠️ Avoid Scams
Numerous fraudulent websites and WhatsApp-based agents falsely use the name “Akhuwat” to collect fee upfront, often promising near-instant approval. These are scams.
Affected users reported these scams requesting thousands for fake certificates within a day. As one Redditor noted:
“Scam. That’s not how Akhuwat works.”
🧭 Summary
Step Description
- Choose Loan Type Business, Education, Housing, Marriage, Health, Agriculture, etc.
- Prepare Documents CNICs, utility bill, income proof, photo, guarantors, and plan if needed
- Apply Official online portal (if
