Akhuwat Foundation offers Qarz-e-Hasna — zero-interest microfinance loans — to help low-income families, small businesses, and students build a better future. Apply online today.
Submit your basic details and loan requirement below.
CNIC, income proof, utility bill & guarantor CNIC.
Our representative will contact you within 48 hours.
Approved funds disbursed at your nearest branch.
Building communities through the spirit of brotherhood and interest-free lending.
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 that every Pakistani deserves a chance to rise above poverty.
Unlike conventional microfinance institutions, Akhuwat charges absolutely zero interest on all its 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. Follow these four steps to get started.
Fill in your name, CNIC, contact number, city, and loan amount required in the application form below.
Prepare your CNIC copy, 2 photographs, utility bill, income proof, and guarantor CNIC before the visit.
Akhuwat staff will call you 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
Before you apply, check that you meet the basic requirements for Akhuwat loan eligibility.
You must hold a valid National Identity Card issued by NADRA.
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.
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 documents before visiting your nearest Akhuwat office or submitting your online application.
Loan Programs
Akhuwat Foundation offers various interest-free loan products designed for different needs of Pakistani families.
For small business owners and entrepreneurs who want to start or expand a family business. Covers working capital, inventory, and equipment purchases.
For low-income families seeking to construct, renovate, or repair their homes. Akhuwat's housing loans make dignified living accessible.
Support for students to pay tuition fees, buy books, and cover exam costs. Helping the next generation of Pakistani youth.
For farmers and rural households to buy seeds, fertilizers, livestock, or agricultural equipment to boost yield and income.
Quick disbursement loans to help families meet unexpected medical or emergency expenses without falling into 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 will always be grateful."
"My small grocery shop was struggling. With an Akhuwat family enterprise loan of Rs. 50,000, I restocked inventory and expanded my shop. My income doubled in six months. No interest — it felt like a blessing from Allah."
"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 the loan so another student can benefit. This cycle of giving is beautiful."
"I am a farmer from a small village. The agriculture loan allowed me to buy quality seeds and a water pump. My harvest improved by 40%. Akhuwat has given rural families like mine a real chance to prosper."
"After my husband lost his job, we were in crisis. The Akhuwat liberation loan helped me start a small food business from home. Now I am the earner of my family and proud of it. Women can do anything with the right support."
"I had dreams of opening a small workshop but no capital. Akhuwat believed in me when no bank would. Today my workshop employs two other people from my neighborhood. Akhuwat doesn't just give loans — it gives hope."
Common Questions
Everything you need to know about Akhuwat loan apply online process, 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, Pakistan
Monday – Friday: 9:00 AM – 5:00 PM
Saturday: 9:00 AM – 1:00 PM
Free · Confidential · Zero Interest
Find Us Near You
With over 850 branches nationwide, there is an Akhuwat office close to you in every major city and district.