Sindh Bank has launched the “Sukoon Salary Loan” scheme for government employees. Sindh Bank Loan for Govt Employees 2025 Eligible for this loan are those who are citizens of Pakistan, between the ages of 21 and 59, whose salary is credited to Sindh Bank account and who have been in government service for at least two years. Sindh Bank Loan for Govt Employees 2025 A guarantor is also required to avail the loan, who is also a government employee and his/her grade is BPS-15 or above. This scheme is designed to provide financial assistance to government employees on easy terms.

Apply Now: https://www.sindhbank.com.pk/

Eligibility Criteria – PMYBL Scheme

👥 Age Requirement
All men and women (residing in Pakistan) between the ages of 21 and 45 are eligible for this scheme.

💳 Credit History
The applicant should have a clean credit history.

⚠️ If there is a bad credit history, the bank’s credit committee may still consider the application on reasonable grounds.

🚫 Previous Loan Status
The applicant should not have taken a loan under the Prime Minister Youth Business Loan Scheme (PMYBL) from any bank.

❌ Guarantor Condition
The applicant should not be acting as a guarantor for anyone else under the PMYBL scheme.

Documentation Required – PMYBL Scheme

📄 Loan Application Form

🖼️ Two recent passport size photographs

🆔 Copy of valid National Identity Card (CNIC)

📉 Last 3 months salary slips

📑 Copies of two utility bills (electricity, gas, etc.)

✅ NOC from the department or employer

✍️ Undertaking from the Deputy District Officer (DDO) or Salary Control Department.

Also Read: CM Punjab Insulin Program 2025 – Great Relief with Free Insulin for Children

Quota Details

🔸 50% of the loans are reserved for women.

🧑‍🤝‍🧑 5% of the loans are reserved for families of martyrs, widows, and disabled people.

Facility: Term Loan Maximum Up to Rs. 2M

The maximum amount that can be given in installments can be up to two lakh rupees.

Pricing

The interest rate for the borrower is 6% per annum.

The interest rate for the applicant will be 1-year KIBOR + 500 basis points, which will change every year; the difference will be paid by the Government of Pakistan.

Tenor

The maximum period is 8 years, including a 1-year grace period.

Repayment

Payment will be made in monthly installments, with a one-year grace period on the principal amount only.

Tier of Scheme

Loans under Tier 1 are given by banks for NAPHDA projects.

Loans under Tier 2 and Tier 3 are given by banks for non-NAPHDA projects such as housing units, apartments or flats.

Also Read: Apni Zameen Apna Ghar Scheme 2025 – Great Chance for Low-Income Families!

Conclusion

Sindh Bank’s “Salary Loan” and Youth Business Loan Scheme (PMYBL) is an important step towards making the employed and the youth financially viable. This scheme provides financial assistance with easy terms, low interest rates, and long installments, so that the public, women, families of martyrs, the sick and individuals have better economic opportunities. If you meet the conditions, then this loan scheme can be the best opportunity for you, through which you can turn your dreams into reality.

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