Maryam Nawaz’s 15 Lakh Loan Scheme 2025 Complete Details on Eligibility, Registration & Benefits

Maryam Nawaz’s 15 Lakh Loan Scheme 2025

Introduction

The Government of Punjab under the leadership of Chief Minister Maryam Nawaz Sharif has launched an ambitious new initiative — the 15 Lakh Loan Scheme 2025. This scheme offers loans of up to Rs. 1.5 million (15 lakh) to help low-income families and disaster-affected households build or repair their homes.

The 15 Lakh Loan Scheme focuses on homeless and flood-affected people, many of whom lost their houses in natural disasters. It gives them an opportunity to rebuild their lives and escape the cycle of poverty by securing a home of their own.

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Purpose of the 15 Lakh Loan Scheme

The main objective of this scheme is to provide financial support to homeless people in Punjab so they can build their houses without relying on informal moneylenders.

Key Goals:

• Support for disaster-affected households (especially flood victims)

• Help homeless families build their own houses

• Provide affordable and long-term loans at manageable monthly installments

• Strengthen social protection and reduce homelessness

By providing loans with easy repayment plans, the government hopes to improve the living conditions of thousands of families across Punjab.

Who Will Benefit from the Scheme?

The 15 Lakh Loan Scheme is designed to target the most vulnerable segments of society. According to the government, the following groups are eligible:

• Families without their own home (living in temporary shelters or with relatives)

• People affected by floods whose houses were destroyed

• People affected by landslides or other natural disasters

• Individuals with a poverty score of 25% or lower

• Benazir Income Support Programme (BISP) recipients

• People who have completed the PSER survey and are verified by NADRA

This makes the scheme inclusive for both urban and rural communities who face housing insecurity.

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Key Features of Maryam Nawaz’s 15 Lakh Loan Scheme

• Loan Amount: Up to Rs. 15 lakh (1.5 million)

• Purpose: To build or repair homes

• Repayment Period: 7 years

• Monthly Installments: Rs. 14,000 per month

• Grace Period: 4 months before the first installment begins

• Application Channels: Punjab Bank branches and online registration portals

Loan Repayment Details

One of the standout features of this scheme is its affordable repayment plan. Beneficiaries will get a four-month grace period before repayment starts. After that, they will pay Rs. 14,000 per month for seven years. This long tenure helps reduce the financial burden and makes it easier for low-income households to manage their budgets.

Overview of Maryam Nawaz’s 15 Lakh Loan Scheme

This table summarizes the scheme’s most important details at a glance.

How to Register for the 15 Lakh Loan Scheme

The registration process for the 15 Lakh Loan Scheme 2025 is simple but requires correct documentation.

Step-by-Step Registration Guide:

1. Complete the PSER Survey:
   Before applying, ensure your family’s data is updated in the Punjab Socio-Economic Registry (PSER) database. This survey verifies poverty scores and eligibility.

2. Visit a Punjab Bank Branch:
   Bring your CNIC, proof of income, and other required documents to the nearest Punjab Bank branch.

3. Submit Loan Application:
   Fill out the official loan application form. Include your family details, income level, and housing status.

4. Provide Supporting Documents:
   Attach CNIC copies, proof of flood or disaster damage (if applicable), and any verification certificates from local authorities.

5. Wait for Approval:
   The bank and government departments will verify your documents. If approved, you will receive confirmation via SMS or a phone call.

6. Loan Disbursement:
   Once approved, the loan amount will be transferred directly into your designated account or through the Punjab Bank mechanism.

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Documents Required

Applicants must provide the following documents during the registration process:

• Valid CNIC of the applicant

• Punjab domicile certificate

• Proof of homelessness or disaster damage

• Income certificate or poverty score verification

• Recent passport-size photograph

• BISP or PSER registration proof (if available)

Having these documents ready in advance will speed up the application process.

Benefits of the 15 Lakh Loan Scheme

The 15 Lakh Loan Scheme brings significant social and economic benefits to low-income families:

• Affordable housing loans for the poorest families

• Long repayment period to reduce financial stress

• Support for disaster-affected communities

• Encouragement of home ownership among low-income households

• Strengthened social protection and poverty reduction

By focusing on the poorest and most vulnerable citizens, the scheme directly addresses one of Pakistan’s most pressing social issues — homelessness.

Who is Not Eligible for the Scheme

Some groups may not qualify for this scheme:

• Families already owning a permanent home

• Individuals with a poverty score higher than 25%

• People who have not completed the PSER survey

• Those who fail to provide valid CNIC or verification documents

Checking eligibility in advance can help avoid delays or rejection during the registration process.

Why the Scheme Matters

Punjab has faced repeated floods and natural disasters over the past decade. Thousands of families have lost their homes, and many still live in temporary shelters or with relatives. By providing Rs. 15 lakh loans, the government enables these families to rebuild their lives and achieve housing security.

Additionally, the scheme creates a positive economic ripple effect by:

• Boosting the construction sector

• Creating new jobs for builders and laborers

• Encouraging local production of construction materials

• Enhancing community stability and health outcomes

Tips for Applicants

• Keep your CNIC and mobile number updated with NADRA.

• Complete the PSER survey before applying to speed up verification.

• Visit authorized Punjab Bank branches only to avoid fraud.

• Keep a copy of your application receipt for future reference.

Final Thoughts

Maryam Nawaz’s 15 Lakh Loan Scheme 2025 is a life-changing initiative for low-income and homeless families. With its affordable repayment plan, targeted eligibility criteria, and easy registration process, it gives thousands of people the chance to build a secure home and future.

If you’re homeless, flood-affected, or living with relatives due to lack of your own house, this scheme is your opportunity to apply, qualify, and rebuild your life.

You can also read: CM Punjab Maryam Nawaz Launches Asan Karobar Finance Scheme Phase 2 Step-by-Step Online Registration 2025

FAQs

1. Who can apply for the 15 Lakh Loan Scheme?
Homeless families, flood or landslide victims, individuals living with others, and those with a poverty score of 25% or lower can apply. BISP beneficiaries and people registered under PSER are also eligible.

2. How much is the monthly installment and repayment period?
The loan must be repaid over 7 years, with a monthly installment of Rs. 14,000, starting after a 4-month grace period.

3. Where can I apply for the loan?
Applicants can register through Punjab Bank branches or via the official online portal (once launched). Make sure you have completed the PSER survey and have all necessary documents.