Pakistan's Trusted Microfinance

Empowering Communities
Through Interest-Free
Finance

Get a Qarz-e-Hasna loan from PKR 5,000 to 1,00,000 with zero interest. Fast approval, transparent process.

Apply for Loan How It Works

50000

Beneficiaries

Interest

100

Branches

2000000000

Disbursed

Transforming lives across Pakistan

Featured Loan

Business Loan

Start or grow your business today

PKR 50K

Processing Fee: Only Rs.4,400

Apply Now

Interest

30m

Response

Easy

Instalment

Serving Pakistan Since 1990

About Us

Serving Pakistan with Integrity & Compassion

Alkhidmat Foundation is one of Pakistan's largest humanitarian organizations...

Our Qarz-e-Hasna programme offers zero-interest loans to entrepreneurs, women, farmers, students and low-income families across Pakistan.

Over 50,000 interest-free loans disbursed
Loans from PKR 5,000 to 1,00,000 — zero interest
One-time processing fee, no recurring interest
100+ branches in all major cities
Transparent process — no hidden charges

Apply for Loan

Ready to Transform Your Life?

Join thousands of Pakistanis who improved their lives with Akhuwat Welfare Community's interest-free loans.

Apply for Loan Call Us

What We Offer

Our Services

Comprehensive interest-free financial services to uplift individuals and communities.

Business Loans

Start or expand your business with interest-free financing up to Rs.1,00,000.

Apply Now

Home Improvement

Renovate your home with easy monthly instalments and zero interest.

Apply Now

Education Loans

Support school, college and university fees interest-free.

Apply Now

Health Loans

Access medical treatment without financial stress.

Apply Now

Agriculture Loans

Empower farmers with interest-free loans for seeds and equipment.

Apply Now

Women Empowerment

Special programmes for women entrepreneurs to start home businesses.

Apply Now

Simple Process

How It Works

From application to disbursement in days — completely interest-free.

Apply Online

Fill out the application form in just 2 minutes.

Pay Processing Fee

Pay Rs.4,400 or Rs.8,400 via JazzCash/Raast to our account.

Submit Documents

Upload your selfie, CNIC front and back online.

Loan Disbursed

Approved loans disbursed within 24–48 hours.

Eligibility

Eligibility Requirements

Pakistani national with valid CNIC
Age between 18 to 60 years
Resident of applying city for at least 1 year
No outstanding loan defaults
Valid guarantor (family member or known person)
Loan amount: PKR 5,000 to 1,00,000
Processing fee via JazzCash / Raast QR

Apply Now

Loan Types

Our Loan Categories

Choose the category that fits your needs.

Business

Small & medium setup

Up to Rs.1 Lac

Home

Renovation & repair

Up to Rs.50K

Education

School & college

Up to Rs.50K

Health

Medical & treatment

Up to Rs.25K

Agriculture

Farming & livestock

Up to Rs.1 Lac

Women

Home-based business

Up to Rs.50K

Skill Dev.

Training & equipment

Up to Rs.25K

Emergency

Urgent needs

Up to Rs.5K

Real Impact

Success Stories

Real stories of people whose lives were transformed by our interest-free loans.

Ahmad Ali

Lahore

I was struggling to start my tailoring business. Alkhidmat Foundation gave me an interest-free loan that changed my life. Today I run a successful tai…

Loan: PKR 1,00,000

Fatima Bibi

Karachi

As a widow with three children, I needed help. The loan helped me start a home-based food business. Now I earn enough to support my family and send my…

Loan: PKR 50,000

Muhammad Qasim

Peshawar

The agricultural loan helped me buy better seeds and a water pump. My harvest doubled this year. I have already repaid the loan and applied for a seco…

Loan: PKR 2,00,000

Our Blogs

Tips, guides and success stories to help you make the most of your loan.

Finance

How Interest-Free Loans Work

Learn how Akhuwat Welfare Community provides Qarz-e-Hasna loans with zero interest to deserving Paki…

Admin 15 Jan 2024

Stories

5 Ways a Small Loan Can Transform Your Life

Discover real stories of how small interest-free loans have changed thousands of lives.…

Admin 10 Jan 2024

Guide

Eligibility Guide for Alkhidmat Loans

Find out if you qualify. Simple requirements, fast approval process.…

Admin 05 Jan 2024

Testimonials

What Our Beneficiaries Say

Hear directly from those whose lives have been positively impacted.

★★★★★

"Alkhidmat Foundation changed my life completely. I am so grateful for this interest-free loan that helped me start my business. The process was simple and the staff was very helpful."

Zainab Malik

Lahore

★★★★★

"I never thought I could get a loan without interest. Alkhidmat Foundation made it possible. My children are now in school thanks to the education loan I received."

Sardar Khan

Peshawar

★★★★★

"Excellent service and very understanding staff. They helped me through every step of the application. My tailoring business is now thriving because of their support."

Nadia Hussain

Karachi

★★★★★

"The agricultural loan helped me buy a water pump and good seeds. My crop yield tripled this season. I am very thankful to Alkhidmat Foundation for this opportunity."

Ghulam Mustafa

Multan

Our Network

Our Branch Locations

Find an Akhuwat Welfare Community branch near you anywhere in Pakistan.

Balochistan

Quetta

Jinnah Road, Quetta

081-2876543

KPK

Peshawar

Hayatabad Phase 4, Peshawar

091-5876543

Punjab

Faisalabad

Canal Road, D Ground, Faisalabad

041-8720456

Punjab

Lahore

Alkhidmat House, Gulberg III, Lahore

042-35761234

Punjab

Multan

Hussain Agahi Bazar, Multan

061-4567890

Punjab

Rawalpindi

Satellite Town, Rawalpindi

051-4445678

Sindh

Hyderabad

Latifabad Unit 9, Hyderabad

022-3456789

Sindh

Karachi

Block 2, PECHS, Karachi

021-34543210