The Maryam Nawaz Loan Scheme is a transformative initiative launched by the Punjab Government to empower small and medium enterprises (SMEs) and promote economic growth in the province. This program provides interest-free loans to aspiring entrepreneurs, enabling them to start or expand their businesses. The scheme is a significant step toward strengthening Punjab’s economy by prioritizing inclusivity, transparency, and sustainability.
Key Features of Maryam Nawaz Loan Scheme.
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Here are the standout features of the Maryam Nawaz Loan Scheme that make it a unique opportunity for business owners:
Category | Details |
Total Subsidy | 1 Billion PKR |
Loan Amount | Up to Rs30 million for SMEs; Rs1 million for small businesses |
Eligibility | Entrepreneurs aged 25-55 with good credit history and a valid business plan |
Repayment Period | Flexible terms of up to 5 years |
Grace Period | 6 months for new businesses; 3 months for existing ones |
Application Portal | Online applications via bikes.punjab.gov.pk |
Target Beneficiaries | Over 100,000 small businesses |
Benefits of the Maryam Nawaz Loan Scheme

Interest-Free Loans: Provides financial assistance for small and medium enterprises without additional costs.
Economic Boost: Promotes job creation, increases exports, and contributes to Punjab’s economic growth.
Digital Financing System: Ensures transparency and proper utilization of funds.
Incentives for Entrepreneurs:
Solar Equipment Subsidies up to Rs5 million.
Cleaner technologies for sustainable production.
Support for industrial estate development in key regions.
Special Focus on Women: Promotes gender equality by supporting female entrepreneurs.
Eligibility Criteria for Maryam Nawaz Loan Scheme
To apply for the Maryam Nawaz Loan Scheme, applicants must meet the following conditions:
Age Limit: 25 to 55 years old.
Credit History: Must have a good credit record.
Business Premises: Should own or rent a valid business location.
Valid Business Plan: A comprehensive business proposal is mandatory.
How to Apply for Maryam Nawaz Loan Scheme
Follow these steps to apply for the Maryam Nawaz Loan Scheme:
Visit the Official Portal: Access the application form on bikes.punjab.gov.pk.
Fill Out the Application: Provide accurate personal and business details.
Attach Required Documents: Include a valid CNIC, business plan, proof of premises, and credit record.
Submit Online: Complete the submission before the deadline.
Wait for Approval: Applications will be processed transparently, with updates provided via email or SMS.
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