Loans & Home Finance · Money
An Akhuwat loan is interest-free: Rs 10,000 to Rs 50,000 for a business or farm, up to Rs 15 lakh for housing. Who qualifies, fees and how to apply at a branch.
AI Summary
Akhuwat Islamic Microfinance gives interest-free loans (Qarz-e-Hasan) of Rs 10,000 to Rs 50,000 for a small business or farming, repaid over 10 to 36 months, and Rs 1 lakh to Rs 15 lakh for housing, repaid over 36 to 108 months. The only listed charge is an application fee of up to Rs 500 (Rs 1,000 for housing). You need a CNIC, an age of 18 to 62 and two guarantors outside your family. Akhuwat takes no online applications: you apply at a branch or call 042-111-448-464.
An Akhuwat loan is an interest-free loan from Akhuwat Islamic Microfinance (AIM) for low-income families. You can borrow Rs 10,000 to Rs 50,000 to start or grow a small business or for farming, or Rs 1 lakh to Rs 15 lakh to repair or extend a house. You need a CNIC, an age of 18 to 62 and two guarantors from outside your family. You apply in person at an Akhuwat branch, not online. Figures are from Akhuwat’s website, as of October 2026.
Akhuwat's lending so far
Rs 428 billion in interest-free loans
As of 30 Sep 2026, according to Akhuwat: 610,000 active loans, 879+ branches in 435+ cities and 3.78 million families
Akhuwat lists three loan products. All are Qarz-e-Hasan, a loan you repay without interest or profit.
| Loan | Amount | Repay over | Application fee |
|---|---|---|---|
| Family enterprise loan | Rs 10,000 to Rs 50,000 | 10 to 36 months | Up to Rs 500 |
| Agriculture loan | Rs 10,000 to Rs 50,000 | 10 to 36 months | Up to Rs 500 |
| Housing loan | Rs 1 lakh to Rs 15 lakh | 36 to 108 months | Up to Rs 1,000 |
The family enterprise loan is for setting up a new business or expanding one you already run. The agriculture loan is for small farmers, including landless farmers and tenants, to buy farm inputs and meet related costs.
Akhuwat’s pages don’t publish monthly instalments, so ask the branch what yours would be before you sign.
Yes, if your family is poor and lives on land or in a house of up to 5 marla, and your household has grown to 8 or more people. The housing loan pays for repairs and for building rooms, roofs or walls. It runs from Rs 1 lakh to Rs 15 lakh over 36 to 108 months, which is up to nine years.
Not sure of your plot size? Use our marla to square feet converter.
If you own a small plot in Punjab and want to build a whole house, also look at the government’s Apni Chhat Apna Ghar loan of up to Rs 15 lakh. Akhuwat was one of its lending partners named in December 2024 (Aaj News).
Akhuwat’s loan process page sets these conditions:
| Document | Whose |
|---|---|
| Latest utility bill | Yours (required), a family member’s (optional), both guarantors’ (required) |
| Recent photos | Yours (required) |
| Copy of your nikahnama | Yours (required, but can be waived if your marriage is checked another way) |
The branch may ask for more documents, depending on the loan.
To find your branch, use the branch finder on akhuwat.org.pk. It lists branches in Punjab, Sindh, KPK, Balochistan, AJ&K and Gilgit-Baltistan, with a contact name and mobile number for each. Akhuwat says it runs loan drives from mosques, temples and churches, and lends without regard to religion or politics.
You can also call the helpline on 042-111-448-464 or 042-35122743.
We found no online status check on Akhuwat’s website. Ask the branch that took your application. For complaints, email [email protected] or write to the head office at 19 Civic Center, Sector A2, Township, Lahore.
On cost, it is hard to beat: Akhuwat charges no interest and lists only an application fee of up to Rs 1,000. The catch is the process: you need two guarantors, a branch near your home, and three appraisals before the committee decides.
Akhuwat says it has recovered 98.65% of its loans (as of 30 September 2026). Another line on the same page says 99.9%, and we use the dated figure.
If you need money faster or more than Rs 50,000 for a business, compare a business loan or a personal loan. Before using any app, check our list of SECP-approved loan apps.
More guides: Loans · Apni Chhat Apna Ghar · Easypaisa loan · BISP and 8171 · Home loans in Pakistan · PM Youth loan scheme · Money
No. Akhuwat's own website says it does not accept online loan applications and gives loans only through its offices. Websites, apps and Facebook ads offering an online Akhuwat form are not Akhuwat's.
Rs 1 lakh to Rs 15 lakh, repaid over 36 to 108 months. It is for poor families living on land or in a house of up to 5 marla whose household has grown to 8 or more people.
042-111-448-464. The head office is at 19 Civic Center, Sector A2, Township, Lahore, and complaints go to [email protected].
No. The loans are Qarz-e-Hasan, an interest-free loan. Akhuwat's loan page lists only an initial application fee: up to Rs 500 for business and farm loans and up to Rs 1,000 for housing loans.
We found no online status check on Akhuwat's website. Ask the branch where you applied: the branch finder on akhuwat.org.pk lists a contact name and mobile number for each branch.
Photo: khadim-un-nabi Rao / CC BY-SA 3.0
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