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Interest Free Loans Schemes in Pakistan for Students

National Bank of Pakistan Loan Scheme

National Bank of Pakistan provide mark up free students loan for pursuing Graduation, M.Phil and PhD Studies within Pakistan in approved subjects at public sector institution for the annual sessions. The candidates who have secured at least 70 cent marks in their last  public examination and meet eligibility criteria of the Scheme and are financially weak to pursue their studies may submit their applications on the prescribed form supported by required documents (when loans announced).

Eligibility Criteria for NBP loan Scheme

He/She has obtained admission on merit through normal course/procedure in the approved Universities/Colleges of the public sector mentioned hereunder.

  1. ii) He/She falls at the time of admission within the age bracket of:-

For Graduation Not exceeding 21 Years

For Post-Graduation Not exceeding 31 Years

For Ph.D Not exceeding 36 Years

iii) He/She has secured 70% marks in the last public examination.

  1. iv) He/She has undertaken the study of the subjects given below.
  2. v) He/She is unable to pursue studies due to financial constraints.



The maximum period of repayment of loan is 10-Years from the date of disbursement of first installment. The borrower shall repay the loan in monthly installment after six months from the date of first employment or one year from the date of completion of studies, whichever is earlier.

Official Website

Professional Education Foundation Scholarship 2023

The professional Education Foundation is a Non-Government Organization which basic Aim and Mission to financially support brilliant but underprivileged students for their professional education. PEF scope includes Bachelor Degree Programs for ENGINEERING, MEDICAL, AGRICULTURE, BUSINESS MANAGEMENT & IT discipline. PEF strongly believe that professional education is one of the major tools which can be used to abolish poverty from Pakistan and bring in sustainable development in the long run. Such motivation has inspired us to fight towards our mission i.e. Changing Lives through Professional Education.

PEF Provide interest free loans to students enrolled in public sector organization for graduation, post-graduation and PhD till degree completion. The PEF Organization will pay the fees of students direct to their universities, after selection in PEF Loan Scheme. Once the students graduated  then after his/her graduation he/she will be refund the loan to the organization on monthly basis with a fixed payment i.e Rs. 500/ or Rs. 1000 per month.

Official Website

Ihsan Trust/ Meezan Bank interest free loans

Qarz-e-Hasna is made available to students enrolled in higher education institutes by the Hsan Trust (IT). Students from partner universities who cannot afford the cost of higher education are given this interest-free education loan. The list of colleges is provided below.

Ihsan Trust primarily works in the sphere of higher education by giving students interest-free loans based only on their “Need cum merit” qualifications. This interest-free loan programme is a novel way to support higher education in Pakistan. It not only aids students in finishing their degrees at the universities of their choosing, but it also generates a rollover fund that aids an increasing number of students each year all around the country. For application process and details visit your nearest Meezan Bank.



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