PM Agriculture Loan Scheme 2023 Online Apply – وزیر اعظم زرعی قرضہ

The PM Agriculture Loan Scheme 2023 Online Apply has been introduced by the government of Pakistan. In this blog, we will delve into the details of this scheme, its benefits, and its impact on the lives of farmers. Agriculture has been the backbone of societies for centuries, providing sustenance and livelihoods to countless individuals around the world. In many countries, including our own, farmers face a multitude of challenges ranging from unpredictable weather patterns to rising input costs. Recognizing the importance of agriculture and the need to support the farming community,

Understanding PM Agriculture Loan Scheme 2023 Online Apply

The Prime Minister’s Agriculture Loan Scheme is a commendable initiative aimed at easing the financial burdens faced by farmers. It offers accessible and affordable credit to help farmers invest in their farms, and purchase equipment, seeds, fertilizers, and other necessary resources. This scheme not only assists farmers in enhancing their productivity but also contributes to the overall growth of the agricultural sector.

PM Agriculture Loan Scheme 2023 Online Apply

Key Features of Zari Loan Scheme

Low-Interest Rates: One of the most attractive features of this scheme is the provision of loans at significantly low-interest rates. This allows farmers to access the capital they need without the burden of high repayment costs.

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Flexible Repayment Options: The PM Agriculture Loan Scheme 2023 Online Apply understands the cyclic nature of agriculture. Therefore, it offers farmers the flexibility to repay their loans based on their harvest cycles, ensuring that they can repay without straining their finances.

Digital Integration: To make the process seamless and convenient, the scheme has integrated digital platforms. Farmers can apply for loans, track their applications, and receive funds digitally, reducing paperwork and long waiting times.

Credit Access for Marginalized Farmers: The scheme aims to be inclusive, offering credit access to not just large landowners, but also to small and marginalized farmers who often find it difficult to secure loans from traditional sources.

Benefits of Agriculture Scheme to Farmers

PM Agriculture Loan Scheme 2023 Online Apply

Increased Productivity: With access to capital, farmers can invest in modern machinery, high-quality seeds, and effective fertilizers, leading to increased productivity and improved crop yields.

Risk Mitigation: Unforeseen events like natural disasters or crop failures can cripple farmers financially. The scheme’s affordable credit can act as a safety net, helping farmers recover from such setbacks.

Empowerment: By providing farmers with the means to make informed decisions, the scheme empowers them to adopt modern agricultural practices and technologies that can lead to sustainable farming.

Cm Punjab Kisan Card 2024

The Punjab government under the leadership of CM Maryam Nawaz Sharif has announced a Kisan Card. This Kisan card is a hope for small and medium farmers. This card will help them in the procurement of seeds and machinery like equipment. Besides this, she also announced the solar tube well scheme for the farmers under the Kisan card.

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PM Loan Scheme Criteria

Prime Minister Youth Qarza Scheme applies to all Pakistani Citizens except government employees and their families. Except for them, all citizens are encouraged to apply for the loan scheme 2023. Especially young entrepreneurs with great business ideas, businessmen who want to expand their businesses, startups, and many more. There is a special quota for women. They are also encouraged to apply for the scheme. Under PMYB&ALS the loan will be given with less markup as compared with other banks. You can also track your application on the Ehsaas Tracking Web Portal.

Tire 1

You can get up to 5 lac rupees loan with 0 % markup.

Tire 2

You can get up to 15 lac rupees loan with a 5 % markup.

Tire 3

You can get up to 75 lac rupees loan with a 7.5 % markup.

PM Agriculture Loan Scheme 2023 Online Apply

Prime Minister Agriculture Scheme App 2023

There is no need for a physical application to apply for PM Agriculture and Business Loan 2023. You just have to apply online on the PM Youth Program website. You can also download the PM Youth Loan App from PlayStore.

Eligibility Criteria for PM Youth Loan

  • All Citizens of Pakistan are eligible other than government employees.
  • There are no education requirements for this loan application.
  • People between the ages of 18 to 45 years are eligible to apply.

Agriculture/Zari Loan Scheme Center

Punjab (Head Office)

4th Floor, 3rd Building, Aiwan-e-Iqbal Complex Egerton Road, Lahore
Tel: (042) 111-111-456, 99204701-12


Bungalow No. 15-A, Chaman Housing Scheme Airport Road, Quetta
Tel: (081)-2831623 – 2831702
Email: [email protected]

Khyber Pakhtunkhwa

Ground Floor, State Life Building The Mall, Peshawar
Tel: (091)-111-111-456, 091-9213046-7 Email: [email protected]

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5th Floor, Bahria Complex II M.T. Khan Road, Karachi
Tel: (021)-111-111-456
Email: [email protected]

Real-Life Impact of the Qarza Scheme

The PM Agriculture Loan Scheme 2023 Online Apply has already begun making a positive impact on the lives of countless farmers across the country. Stories of farmers transitioning from subsistence farming to profitable agribusiness ventures are becoming more common. These success stories not only uplift the farmers and their families but also contribute to the overall economic development of rural areas.


The PM Agriculture Loan Scheme 2023 Online Apply is more than just a financial initiative; it is a testament to the government’s commitment to uplift the farming community. By providing accessible credit, the scheme empowers farmers to overcome financial obstacles and modernize their practices. As the scheme continues to evolve and reach more farmers, it has the potential to transform the agricultural landscape, ensuring food security and prosperity for generations to come.

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