Akhuwat Foundation offers Qarz-e-Hasna — zero-interest microfinance — to help low-income families, small businesses & students build a better future. Apply online today.
Submit your details and loan requirement in the form below.
CNIC, income proof, utility bill & guarantor CNIC ready.
Our team contacts you within 48 hours for verification.
Approved funds disbursed at your nearest Akhuwat branch.
Building communities through brotherhood and interest-free lending across every province.
About Akhuwat Foundation
Akhuwat Foundation was established in 2001 with a mission to alleviate poverty by providing interest-free loans (Qarz-e-Hasna) to low-income families across Pakistan. Rooted in Islamic values of brotherhood and mutual support, Akhuwat believes every Pakistani deserves a chance to rise above poverty.
Unlike conventional microfinance institutions, Akhuwat charges absolutely zero interest on all loan products. The model is sustained by voluntary donations from borrowers who have already benefited and wish to give back to the community.
Step-by-Step Guide
The Akhuwat loan online apply process is simple, transparent, and completely free of charge.
Fill in your name, CNIC, contact number, city, and loan amount in the application form on this page.
Prepare your CNIC copy, photographs, utility bill, income proof, and guarantor CNIC before your visit.
Akhuwat staff will call within 48 hours to verify details and schedule a branch or home visit.
After approval, funds are disbursed at the nearest Akhuwat branch — often within 7 working days.
No processing fee · No hidden charges · 0% interest guaranteed
Who Can Apply
Check that you meet the basic requirements before submitting your Akhuwat loan application.
Must hold a valid National Identity Card issued by NADRA Pakistan.
Akhuwat targets low to lower-middle income households and small entrepreneurs.
Applicants must be of legal adult age and below 60 at the time of application.
Must have a verifiable permanent address within Pakistan for verification.
A co-guarantor with valid CNIC who knows the applicant personally is mandatory.
Must not have a defaulted loan history with any bank or microfinance institution.
Gather these before your application or office visit.
Loan Programs
Various interest-free loan products designed for the different needs of Pakistani families and businesses.
For small business owners and entrepreneurs who want to start or expand a family business. Covers working capital, inventory, and equipment.
For low-income families seeking to construct, renovate, or repair their homes. Akhuwat's housing loans make dignified living accessible to all.
Support for students to pay tuition fees, buy books, and cover exam costs. Helping the next generation of Pakistani youth reach their potential.
For farmers and rural households to buy seeds, fertilizers, livestock, or agricultural equipment to boost yield and household income.
Quick disbursement loans to help families meet unexpected medical or emergency expenses without falling into high-interest debt traps.
Special program targeting women-led micro-businesses including tailoring, crafts, and small trade to promote women's economic independence.
Real Stories
Thousands of Pakistani families have transformed their lives with Akhuwat's interest-free support.
"I was a widow with three children and no income. Akhuwat gave me Rs. 30,000 to start a small tailoring business from home. Today I earn enough to send my children to school and live with dignity. I am forever grateful to Akhuwat."
"My small grocery shop was struggling badly. With an Akhuwat family enterprise loan of Rs. 50,000, I restocked inventory and expanded. My income doubled in six months. No interest — it felt like a true blessing."
"Akhuwat's education loan helped me complete my nursing degree when my family could not afford the fees. I now work at a hospital and am repaying so another student can benefit. This cycle of giving is truly beautiful."
Common Questions
Everything you need to know about Akhuwat loan apply online, eligibility, and repayment.
Apply Now
Fill in the form and our team will guide you through the complete process. All applications are reviewed within 48 working hours.
0800-AKHUWAT (0800-254892) — Free Call
info@akhuwat.org.pk
23 Zafar Ali Road, Gulberg V, Lahore
Mon–Fri 9AM–5PM · Sat 9AM–1PM
Free · Confidential · Zero Interest
Find Us Near You
With over 850 branches nationwide, there is an Akhuwat office in every major city and district.