Fill in the form — all details will be sent directly to our WhatsApp.
"
People deserve to live with dignity and get support in transforming their lives. Akhuwat aims to play its role in empowering people and paving sustainable pathways out of poverty through microfinance and education.
— Dr. Amjad Saqib, Founder, Akhuwat
Stay Updated
Get the latest news from Akhuwat — new loan programs, success stories & more.
Apply for an Interest-Free Loan
Complete the form below and our team will review your application within 3–5 working days.
1
Your Info
2
Loan Details
3
Submit
Eligibility Criteria
Pakistani citizen with valid CNIC
Age 18–65 years
No prior loan default history
Valid guarantor required
Proof of income or business
Permanent residential address
Loan Type
Select the loan program that best suits your needs
🏪
Business
Rs 10K–100K
🎓
Education
Rs 20K–150K
⚡
Emergency
Rs 5K–50K
🏠
Home
Rs 30K–200K
💍
Marriage
Rs 50K–300K
🏥
Health
Rs 10K–150K
Loan Amount
Drag the slider to select your desired loan amount
Min: Rs 5,000Rs 25,000Max: Rs 100,000
Personal Information
Please provide your correct details — these will be used for verification
Employment & Income
Tell us about your current occupation
Start Business
Expand Business
Education Fees
Medical Emergency
Home Repair
Marriage
Debt Repayment
Other
By submitting this application, you confirm that all information provided is accurate. Akhuwat reserves the right to verify all details. Processing takes 3–5 working days. There are no processing fees for applying.
or
✓
Application Submitted!
Your loan application has been received. Our team will review it and contact you within 3–5 working days.
AKH-000000
Save this reference number for tracking your application.
Akhuwat Foundation collects personal information necessary for processing loan applications and delivering our services. This includes:
Full name, CNIC number, and date of birth
Contact information including phone number and email address
Home and business address
Financial information including income and employment details
Loan application history and repayment records
2. How We Use Your Information
Your information is used solely for the following purposes:
Processing and evaluating your loan application
Communicating updates regarding your application status
Verifying your identity and eligibility
Complying with regulatory and legal requirements
Sending relevant program updates and newsletters (with consent)
3. Data Security
Akhuwat Foundation takes data security seriously. All personal data is stored securely and is accessible only to authorized personnel involved in loan processing. We implement industry-standard security measures to protect your information from unauthorized access, alteration, or disclosure.
4. Data Sharing
We do not sell, rent, or share your personal information with third parties for commercial purposes. Information may only be shared with:
Regulatory authorities as required by Pakistani law
By applying for and accepting a loan from Akhuwat Foundation, you agree to repay the full principal amount in agreed monthly installments. All loans carry 0% markup — no interest or service charges are applied.
2. Eligibility
Must be a Pakistani citizen with a valid CNIC
Must be between 18 and 65 years of age
Must provide a qualified guarantor
Must not have any defaulted loans with Akhuwat or affiliated organizations
3. Repayment Terms
Borrowers are required to repay loans on agreed monthly installment dates. Akhuwat offers flexible repayment periods ranging from 3 to 48 months depending on loan type and amount. Timely repayment enables the funds to be lent to other deserving families.
4. Default Policy
In case of non-payment, Akhuwat's field officers will make contact to understand the borrower's situation. Akhuwat's policy emphasizes compassion — however, repeated defaults may result in ineligibility for future loans and legal proceedings as a last resort.
5. Application Accuracy
All information submitted in the application must be accurate and truthful. Providing false information is grounds for immediate rejection or cancellation of the loan agreement.
Review the available loan programs and select one that matches your need. Each loan type has different amount ranges and repayment durations. Choose wisely based on your repayment capacity.
Step 2: Prepare Required Documents
Original CNIC (Computerized National Identity Card)
Two passport-size photographs
Proof of income (salary slip, business records, or bank statement)
Proof of residence (utility bill or tenancy agreement)
Guarantor's CNIC and contact details
Step 3: Submit Your Application
You can apply online through this website or visit the nearest Akhuwat branch. Online applications are reviewed within 3–5 working days. You will be contacted by our team for an in-person verification visit.
Step 4: Verification Process
An Akhuwat field officer will visit your home or place of business to verify the information provided. This visit is mandatory and typically takes 30–60 minutes. Please ensure your guarantor is also available during this time.
Step 5: Loan Disbursement
Upon successful verification and approval, the loan amount is disbursed directly to you. The ceremony is often held at a local mosque — consistent with Akhuwat's tradition of community-based lending.
Repayment
Monthly installments begin one month after disbursement. You can pay at any Akhuwat branch or through our designated collection points. Timely repayment allows Akhuwat to help more families.
