In a big step toward fighting unemployment and empowering the people of Punjab, the Government of Punjab has launched the Punjab Rozgar Scheme a game-changing initiative that offers easy loans for those looking to start or expand their livestock and dairy-related businesses. Whether you are a young entrepreneur, a skilled worker, or a small-scale farmer, this scheme can help you move forward in life without worrying about huge interest payments or strict collateral requirements.
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Punjab Rozgar Scheme
Under the leadership of Chief Minister Punjab, this loan scheme is specifically designed for people involved in livestock, dairy farming, poultry, and related sectors. You can now get a loan starting from Rs. 100,000 all the way up to Rs. 10 million (1 crore) on easy terms.
There are two categories in this scheme:
- Personal Guarantee Loan (Zati Zamanat):
- Amount: Rs. 100,000 to Rs. 1,000,000
- Markup: Only 4% per annum
- Collateral/Asset-Based Loan:
- Amount: Rs. 1,000,001 to Rs. 10,000,000
- Markup: 5% per annum
These rates are much lower compared to normal bank loans, making them affordable for lower and middle-class people.
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Eligibility Criteria for the Punjab Rozgar Scheme
| Requirement | Details |
| Domicile | Must be a resident of Punjab |
| Age Limit | Between 20 to 50 years |
| Business Type | New livestock-related business OR expansion of existing one |
| Repayment Time | 2 to 5 years (monthly installments) |
Loan Usage Options
The beauty of this scheme lies in the flexibility it offers. You can use the loan for:
- Dairy Farming – buying animals, setting up milking facilities, etc.
- Cattle Fattening – growing and selling healthier animals.
- Breeding Improvement – for better productivity and quality of livestock.
- Semen Production Units – to support genetic development in livestock.
- Poultry Farming – including layers and broiler businesses.
So whether you’re from a village or a small town, this is a golden opportunity to turn your livestock expertise into a growing business.
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How to Apply Online for the Punjab Rozgar Scheme
The application process is simple and digital. You just need to:
- Visit the official website: rozgar.psic.punjab.gov.pk
- Fill out the loan application form with correct details.
- Attach the required documents (CNIC, business plan, etc.)
- Submit your application online.
You can also call their helpline at 042-111-267-200 for any guidance regarding documentation, business ideas, or repayment plans.
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Important Things to Remember
- No need for heavy collateral if you’re applying under the Rs. 10 lakh limit with a personal guarantee.
- Loans are Shariah-compliant, so it’s suitable for people preferring Islamic financing.
- You can use the loan to start a new business or expand an existing one.
This is not just a loan, it’s a lifeline for youth, farmers, and entrepreneurs who want to work hard and make a living with dignity.
Final Thoughts
The Punjab Rozgar Scheme is a practical and powerful opportunity for those who want to build a business but don’t have the resources. With easy conditions, low markup rates, and flexible repayment terms, it truly empowers people from all walks of life. If you’ve got a dream of starting your own livestock, dairy, or poultry business, this scheme is the push you need. Don’t wait. Apply online today and take charge of your future!
Read More: www.livestock.gov.pk Punjab Online Apply