Akhuwat Loan Amount

Akhuwat provides interest-free microfinance loans to support individuals and small businesses facing financial challenges. The loan amount varies based on the type of loan, financial status, and repayment capacity of the applicant. This initiative aims to uplift low-income communities through Shariah-compliant financial assistance.

Loan Types & Amounts

Akhuwat offers various loan programs, each with a different amount range. Below is a breakdown:

Loan Type	Minimum Loan (PKR)	Maximum Loan (PKR)	Repayment Period
Family Enterprise Loan	10,000	100,000	12 – 24 months
Agricultural Loan	10,000	150,000	12 – 36 months
Education Loan	10,000	200,000	12 – 48 months
Health Loan	10,000	50,000	12 – 24 months
Housing Loan	50,000	500,000	12 – 60 months
Emergency Loan	10,000	50,000	6 – 12 months

📌 Note: The final loan amount is determined based on the applicant’s financial need, creditworthiness, and past repayment history (if applicable).

Factors Influencing Loan Amount

The loan amount granted by Akhuwat depends on multiple factors:

1️⃣ Purpose of Loan – Business and housing loans typically have higher limits, while emergency and health loans are generally smaller.
2️⃣ Repayment Capacity – The applicant’s ability to comfortably repay is assessed to ensure financial stability.
3️⃣ Guarantor Support – Applicants must provide two guarantors to vouch for their financial credibility.
4️⃣ Past Loan History – Successful repayment of a previous Akhuwat loan may qualify an applicant for higher future loans.
5️⃣ Community Recommendation – Loans are often granted to individuals endorsed by community leaders or local organizations.

How to Apply for an Akhuwat Loan?

✅ Step 1: Visit the nearest Akhuwat branch to explore available loan options.
✅ Step 2: Submit necessary documents, including CNIC, proof of income, and guarantor details.
✅ Step 3: Undergo a financial assessment and interview by Akhuwat loan officers.
✅ Step 4: Upon approval, the loan is disbursed via cheque or direct transfer.
✅ Step 5: Repay as per the agreed schedule, contributing to the community financing model.

Who Can Apply?

✔ Low-income individuals needing financial support.
✔ Small business owners seeking capital for expansion.
✔ Farmers requiring funds for agricultural needs.
✔ Students looking for interest-free education loans.
✔ Individuals facing medical emergencies.
✔ Families in need of affordable housing assistance.

Loan Repayment Process

🔹 Flexible Repayment Options – Choose monthly, bi-monthly, or quarterly payments.
🔹 No Hidden Charges – Akhuwat does not impose processing fees or extra costs.
🔹 Community-Based Collections – Payments can be made at local mosques or Akhuwat centers.
🔹 Encourages Financial Responsibility – Timely repayments recycle funds to help more people in need.

Success Stories: Transforming Lives

🎯 Small Business Growth
Mr. Usman, a struggling shop owner, secured a PKR 100,000 loan. Within a year, he expanded his shop, doubled his income, and successfully repaid the loan.

🎯 Education Support
Ayesha, a university student, received PKR 150,000 in education funding. After graduation, she landed a stable job and repaid her loan with ease.

🎯 Emergency Medical Assistance
Facing a critical medical emergency, an applicant received PKR 50,000 for urgent treatment. The loan saved his life, and he repaid it within a year.

How to Check Loan Eligibility?

🔹 Visit an Akhuwat branch to consult with a loan officer.
🔹 Check online via the Akhuwat website or helpline for details.
🔹 Ensure you have a valid CNIC, proof of income, and two guarantors before applying.

Akhuwat continues to empower communities by providing interest-free financial assistance, ensuring a brighter and more secure future for all. 🚀