The Student Loan Scheme in Pakistan 2026 offers interest-free financial assistance to eligible students facing financial difficulties during higher education. The National Bank of Pakistan (NBP) administers the federal Students Loan Scheme in cooperation with participating banks.
The facility helps eligible students manage approved education expenses such as university fees, boarding costs and textbooks. Students must meet academic, age, admission, subject and financial requirements before receiving assistance.
Student Loan Scheme Pakistan 2026 Eligibility
The NBP Students Loan Scheme has specific eligibility conditions for applicants. Admission should take place on merit through the regular admission process at an approved public-sector university or college.
Main requirements are:
- Graduation applicants should generally be 21 years old or younger.
- Postgraduate applicants should generally be 31 years old or younger.
- PhD applicants should generally be 36 years old or younger.
- Applicants should have at least 70% marks in the last public examination.
- Admission should take place on merit.
- The applicant should face financial constraints.
- The university or college must appear on the approved institution list.
- The selected degree program must fall within the approved fields of study.
Student Loan Scheme Pakistan 2026 Fields of Study
The scheme covers selected scientific, technical, professional and business-related programs. The approved fields may cover:
- Engineering
- Electronics
- Medicine
- Agriculture
- Physics
- Chemistry
- Biology
- Molecular Biology and Genetics
- Mathematics
- Natural Sciences
- Computer Science
- Information Systems and Technology
- Economics
- Statistics
- Econometrics
- Business Management Sciences
- Commerce
- Oil, Gas and Petro-Chemical Technology
- Islamic Jurisprudence and Sharia-related law programs
Applicants should check the latest approved field list before submitting a form, as program eligibility can depend on the applicable scheme rules.
What Expenses Does the Student Loan Cover?
The Student Loan Scheme can assist with several education-related costs. The facility focuses on approved academic expenses rather than general household spending.
| Expense | Coverage |
|---|---|
| University fee | Covered under approved conditions |
| Boarding expenses | Covered |
| Textbooks | Covered |
| Meals | Not covered as part of boarding expenses |
| Personal expenses | Not listed as an approved expense |
The amount available for each expense follows the applicable scheme rules and approved limits.
Is the Student Loan Interest Free?
Yes, the Students Loan Scheme provides an interest-free loan to eligible students who satisfy the prescribed requirements.
This feature allows qualifying students to finance approved education expenses without the interest charges attached to many conventional education financing products.
The applicant still has to repay the amount received according to the repayment schedule set under the scheme.
Student Loan Repayment Period
The published scheme rules provide a maximum repayment period of 10 years from the date of disbursement of the first installment.
The repayment conditions generally work as follows:
- Monthly installments apply.
- Repayment starts six months after the borrower’s first employment.
- Another repayment trigger is one year after completion of studies.
- The applicable starting point follows the scheme’s stated conditions.
- The maximum repayment period reaches 10 years from the first loan disbursement.
Students should review the latest repayment terms before accepting the facility.
How to Apply for Student Loan in Pakistan
NBP administers the Students Loan Scheme and provides application information, forms and details about approved institutions.
Applicants can follow these steps:
- Check the approved university or college list.
- Confirm that the degree program falls within an approved field.
- Review the age and academic requirements.
- Obtain admission through the regular merit process.
- Get the prescribed student loan application form.
- Prepare academic, admission and financial documents.
- Submit the completed form through the designated channel.
- Wait for assessment and approval.
An incomplete application may face problems during processing, so applicants should provide all requested information accurately.
Documents Required for Student Loan Application
Students should prepare documents that establish their identity, academic record, admission status and financial circumstances.
Common documents may consist of:
- CNIC or applicable identity document
- Admission letter or enrollment proof
- Academic certificates
- Marksheets
- University or college details
- Fee information
- Proof of financial circumstances
- Passport-size photographs
- Additional documents requested by the bank
The exact requirements can vary according to the latest application instructions.
Approved Universities and Colleges
The Student Loan Scheme does not apply automatically to every higher-education institution in Pakistan. The applicant’s university or college must meet the applicable approval requirements.
Students should check the latest NBP approved institution list before completing their application. This step can prevent applications for institutions that fall outside the scheme.
Student Loan Scheme 2026 Application Status
The Students Loan Scheme remains an education financing facility administered by NBP. Students should distinguish between the ongoing scheme and the opening of a particular 2026 application period.
For a current application, applicants should check the latest official information for:
- Application opening date
- Application closing date
- Available funding
- Approved institutions
- Approved subjects
- Designated branches
- Required documents
- Submission procedure
Previous application notices may relate to older academic sessions, so applicants should use the latest available instructions.
Student Loan Scheme vs HEC Need-Based Scholarship
Students facing financial difficulty can also look at the HEC Need-Based Scholarship Program. A scholarship differs from a loan because a scholarship does not require repayment under normal scholarship conditions.
The HEC Need-Based Scholarship Program supports financially disadvantaged students studying at participating public-sector universities and degree-awarding institutions.
| Feature | Student Loan Scheme | HEC Need-Based Scholarship |
|---|---|---|
| Type | Interest-free loan | Scholarship |
| Repayment | Required | No loan repayment |
| Main administrator | NBP | HEC through participating institutions |
| Main focus | Selected higher-education programs | Undergraduate study at participating institutions |
| Financial assessment | Required | Required |
| Institution requirement | Approved institutions | Participating institutions |
Students can review both options based on their academic program, institution and financial circumstances.
Who Can Benefit From the Student Loan Scheme?
The scheme is aimed at students who have academic merit but require financial assistance for higher education. Eligible applicants may receive assistance for approved education costs.
The program may suit students who:
- Have secured merit-based admission.
- Meet the required marks.
- Study an approved subject.
- Attend an approved public-sector institution.
- Fall within the prescribed age limits.
- Face financial constraints.
- Need assistance with tuition, boarding or textbooks.
Important Points Before Applying
Applicants should review the latest scheme instructions before submitting an application. Rules, deadlines and administrative procedures can change between academic sessions.
Keep these points in mind:
- Check the latest application notice.
- Verify your university or college status.
- Check the approved subject list.
- Review the age requirement.
- Confirm the minimum marks requirement.
- Prepare academic documents in advance.
- Provide accurate financial information.
- Follow the prescribed submission method.
- Keep copies of submitted documents.
- Review the repayment terms before accepting the loan.
Student Loan Scheme in Pakistan 2026
The Student Loan Scheme in Pakistan 2026 provides interest-free education financing for eligible students enrolled in approved higher-education programs. The facility can assist with approved university fees, boarding expenses and textbooks.
Students should check the latest eligibility requirements, approved institution list, application dates and documentation requirements before applying. Those who do not meet the loan conditions can also review other financial assistance options available through higher-education institutions and HEC programs.
I secured 3.79 CGPA in BS and now i want student loan for my Mphil? How can i get it?
My intermediate Mark percentage is 76% and metric Mark percentage is 70%.what is starting date is student lona scheme. ..
Aoa…I belong to middle class family I can’t afford my study expenses..how can I apply for this loan..because I already wasted my one and half year..so please tell me about this loan
I have sechred 68% marks in graduation. Now i took admission in M. Fhil. Can I receive loan in any case?
sir i m a graduated student sir i want to continue my study sir but our financial assest dont allows us to do master sir what is the procedure to take loan from bank
sir,
i can apply for loan online or not
sir i want personal 5 lakh whts procedure for installment
call me 03339664144
i m university 1st year student m wana start my busniess how i can get loan from your schem its urgent
sir tell me about this loan m needy because m student and now start a business plz tell me
sir when the list of selected students will be announced?
Sir agar marks 70% se kam hon toh loan mil skta hai?? aisi koi scheme hai
application form nahe mil rahe hai,,,from where i can download it,,,,,,
aslam.o.alikum sir i m getting admision in UCP in MBA (1.5) year ,can i get loan from NBP?
dear sir plz how i can apply for the scheme to get loan?
sir kindly inform ,, started date of loan scheme ????
Respected SIR i am student of architecture and earliest i was completed my DAE(ARCHITECTURE)with 82% marks.Now i am studying in UMT LAHORE for B.ARCH 5 years undergraduates Degree program.i am a truely deserving student because no one Feed me my Father Dead in 2010.i want LOAN for my study kindly guide me.i will be very Thank ful to you WHOLE life.
plz tel me the proceger of loan?when it start?and which is the crateria of educatioin?
Sir i want to start a business and i want to take loan so plz tell me how this process will be done.i am student of bsc
what is the last date to apply for loan
Sir, I m a student of b-tech (Hon) Please sir give me The loan for continue my studies plzzz ser
i am gng to be a medical studnt i want studnt loan in this regard
When the loan scheme of 2013 will be started?
what is the starting loan scame
I am studying in BS Chemistry 5th semester. I need student loan
Sir ,i am student doing electronic engineering from PAK POLY TECHNIC INSTITUTE LHR..Sir i belong to a very poor family .AS My father can not afford expenditures for my further studies .so i need this loan to continue my studies .Sir kindly tell me how can i get this loan .And what will be the requirements for student loan.
Sir hum boht gharib admi hain hmara rent ka ghar hai humain boht paeshani hoti hai hamain paise ki boht zarurat hai .
03462430551
wt its started and why we should apply it???????????????////
SIR ,I M STUDENT OF MSc and fulfill my study expences by tution but i cant bear all my expences and wana join u for this program plz tell me about the criteria of this scheme.regards
ok
i am student of b.com but i am poor when starting loan scheme?
contact me for loan from bank…i am bank employee… 0321-4696039…
Sir, Is it any kind of student loan u will give or personal loan ?
i am QAMAR AZAD .I am student of BBA and very interested in student loan because of my limited financial pocket ! kindly help regarding this.
we are two brothers. we want to take admissions in civil engineering and software engineering. What is your method of loan giving?
UBL,HBL AND ABL POLICY DOES NOT FOUND ON WEB,IN THIS REGARDS
I have three daughters and one son who recently cleared NUST and entertained in Electrical Engineering(Pakistan Navy Engineering College Karachi).Hopefully drop outs will further escalate his position to his next priority for technology.My one daughter is studying in PIPOS a professional course for artificial LIMBS in Peshawar.My other daughter has recently taken examination of Graduation(BA)My youngest daughter is studying in FSC.
I,m an emplyee of UBL SERVING AT UBL WANA BRANCH.EMP NO 398844.Bank may hold my retirement benefits as security and give student credit line to my son
SIR,
please tel me the last date for loan application, and whre will i submit the form.
sir i am selected for b.b.a in fast national universty kharachi nd i want to obtain loan for expenses bcz i can’t affort the feeses so wats schedule for obtaing student loan nd how i can do that.
Sir kindly tell me ka kitna dino mein ya loan mil jata hai
Dear sir,
I am the student of MS Geology and i want to get student loan .
How can i apply for student and what is the requirement for student loan.
Kindly inform me about that.
Sir when loan schedule started plz tell me date .i hv to take loan for my study.
dear tell me about the last date of loan????
slam, i want to get house loan plz any one guide me about procedure n date to apply
is there any loan for giki student
Sir when the student loan get started plc let me know i want dat loan for my studies
any idea about studnt loan???last date??
Sir,when will be the loan scheme start and what will be the last date of applying?
i am the student if b.sc(hons) agricultute in gomal univesity dera ismail khan…i want to apply for student loan of national bank…tell me the date of submition of applications for student loan
When it start loan?
In 2013 can v apply fo dis loan??
I want 2 start new busns i m student of MBA
Sir,
i am student of MA and needy / poor. wnat to run my businees, please gave me details for student Loan
Sir i study in mehran university, jamshoro.. And i want to be that loan so please tell me what can i do..??
sir when vl the foam of loan issue
salam sir how can i get loan to continue my MS study
please tell me the dates of starting loans of these banks.
Sir kindly tell me the procedure to get loan for study
What is last date of form submission plz tel
sir
iam student
i have completed my intermediate and now
studying in Hamdard university main campus
B.E ELECTRONICS
2ND SEMESTER
Sir thix is an private university and having high level fees ,so how should i continue my study
please help me to give an student loan ,
sir i cannot leave this university
please help me
i will be very thanksfull to you for this kind of act
Salam…I`m interested to take SOME loan for my residencial and educational status…willing to return easily through your fine policy…Much pleasure.TANX AND REGARDX!
Respected Sir,
I am a MBA student and start a my business please guide about the student loan scheme.
As-salam-o-Alaikum Sir !
Sir !
What is the criteria to get a student business loan of any bank please help me in this regard
can i get loan for MBBS?
Assalam o Alikum,
Sir, I am the student of MS MBA (3.5 years) want to apply for this type of loan due to financial provlems. I shall be very thankful to you if you tell me the process how can i avail this opportunity?
Thanks a lot.
Hi sir,
I am student of MS and i am facing serious issues regarding financing, please tell me how we can get this oppertunity?
salam
sir what is the criteria for student loan & when it gonna be started
plz anyone send me the list of nbp student loan scholarship 2013.that is recently updated??????????
i am student of mining engineering muet jamshoro. i want to get student loan.
i m student of B.S (c.s) in GCU lahore i want to apply for student loan i m so much neened student pls informe me how to apply for laon & when to apply pls any one reply to me i m waiting
dear sir how i can apply for this loan to continue my M.S ,
i am student of punjab university.i want to get student loan.how its possible.
reply thanx.
sir iam student of iub tell how iget student ioan
salam sir i want to get this loan plz tell when 2013 loans offered?
2013 – 2014 is annouced now,
u can avail from u any nearest HBL, NBP, ABL or meezan bank Baranch
I am Student of uet lahore. Sir tell me when will it start.
I am student of DVM at UVAS LHR.I wnt loan. when will it start?
I am a student, doing BSCS from Arid Agriculture University, rwp. I want a student loan, so when student loan form for 2013 will be uploaded?
When it will start.
When student loan will be started
sir will you kindly tell me about the successful candidates of year 2012 2013
i am a stdnt of mbbs.what is the procedure of gtng loan i need infofmation
hav u got stdnt loan ?what was its last date?Bro i m a 1st year MBBs student in SIMS lahore
dear sir when the student loan is starting for the year 2013?
when the studnt loan form wil be started for 2013,and when wil be the list of selacted student announced.
Actually This Page created for information about Banks who gives Student Loan Scheme currently exist in Pakistan…. So we cannot helps you in this regard any more than just giving information…….
i am a student of m.sc zoology.and want the student loan for my best of study
What is the starting date of student loan
sir je kindly tell me what is the procedure to get loaan……..?
where from form is available
what is the startig date of student loan scheme
i am a student of mechanical engineering at National University of Sciences & Technology…i want to apply for student loan…can anybody help me in this regard..???
I m feeling so sad by hearing this,I m also a needy student ,i also need help from anybody
please tell me when the loan form will be started@
I am student of commerce group.i want’s start a business.
which business do you want to start and what class in you are
i want a small shop type bussnies because i belong to poor or middle class femily and i am studing and i c’nt afford my study expensives
sir what is the starting date for student loan scheme