Let me tell you about Bilal. From a small village near Rahim Yar Khan. Scored 92% in FSc. Got into NUST for BS Computer Science. Fee? Rs. 280,000 per semester. His father — a school teacher — almost sold their only plot. Then came NBP Student Loan.
Rs. 300,000 approved. Zero markup. Repayment? Only after graduation. Today, Bilal’s a software engineer at a multinational — paying Rs. 3,000/month. His family? Still owns their land. That’s the power of Qarz-e-Hasna.
The NBP Student Loan Scheme 2025-26 isn’t charity — it’s investment in Pakistan’s future. Interest-free. Merit-based. Repay when you can. Applications are open year-round — but only for serious students. Let’s see if you qualify.
Who Gets This Golden Loan? Your 2025-26 Eligibility Cheat Sheet
This isn’t for everyone — and that’s what makes it so valuable. NBP wants top performers who just need a push.
You’re Eligible If:
- You scored 70%+ marks in last exam (FSc/BA/etc.)
- Admitted in public sector HEC-approved uni (BS, MS, PhD)
- Studying approved disciplines (Engg, Med, IT, Business, etc.)
- You’re not on any other scholarship covering full fees
- You have a guarantor (govt employee preferred)
By the way — this is not need-based. It’s merit-based. But if you’re from a low-income family? You get priority in approval.
Real talk: A girl from Quetta with 88% marks got rejected — because she was in a private uni. Stick to public sector. That’s the rule.
How Much Loan? (Up to Rs. 3 Lakh – Interest-FREE)
This isn’t pocket money. It’s real financial muscle — enough to finish your degree stress-free.
Tuition Fees
Up to Rs. 200,000/year
Books & Supplies
Up to Rs. 30,000/year
Hostel/Mess
Up to Rs. 70,000/year
Repayment
Starts 1 year after grad (10 years max)
Wait — zero interest? Yes. Qarz-e-Hasna means you pay back only what you borrow. No profit. No burden.
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Deadline? Ongoing – But Apply Early!
No fixed cutoff — apply anytime after admission. But here’s the catch:
| Semester | Best Time to Apply |
|---|---|
| Fall (Sep–Jan) | June–August |
| Spring (Feb–June) | November–January |
| Late Applications? | Possible — but slower approval |
Golden rule: Apply within 30 days of admission. Last year, 60% of rejections were due to missing documents.
How to Apply in 15 Minutes (Step-by-Step)
No online portal — but it’s simple. Here’s the exact process:
- Download form from ApplicationForm.pdf
- Fill: personal, academic, loan amount, guarantor
- Attach: CNIC, transcripts, admission letter, fee challan, guarantor CNIC
- Get uni stamp on form
- Submit to nearest NBP branch
- Wait for Apex Committee approval (2–4 weeks)
Pro tip: Choose a government employee as guarantor — approval rate jumps to 95%.
How Do They Pick Winners? (It’s Fair)
NBP doesn’t decide — the Apex Committee does:
- 70% Weight: Academic marks
- 20% Weight: Financial need (optional)
- 10% Weight: Discipline priority (STEM > Arts)
Example: Ayesha (85% marks, Engg, low-income) = 92/100 → Approved!
Fun fact: One student got Rs. 1.2M over 4 years — now a doctor. Repaying Rs. 1,000/month. Win-win.
What’s New in 2026? (Bigger Loans, Faster Approval)
NBP just upgraded:
- Loan limit up to Rs. 400,000 for medical/engineering
- Online application portal (pilot in 2026)
- Women in STEM quota (30% reserved)
- 1 million students target by 2030
Bottom line? If you didn’t qualify last year, try again. Rules are relaxing.
Your Degree Shouldn’t Cost Your Family’s Future
The NBP Student Loan Scheme 2025-26 isn’t debt — it’s delayed investment. 500,000 success stories. Will you be #500,001?
FAQs: NBP Student Loan Scheme 2025-26
Is it really interest-free?
Yes — 100% Qarz-e-Hasna. No markup ever.
Can private uni students apply?
No — only public sector HEC-approved.
When do I start repaying?
1 year after graduation or job.
What if I fail a semester?
Loan continues — but must maintain 70% attendance.
Can I apply online?
Not yet — download + branch submission. Portal in 2026!
One form. One future. Don’t let fees stop your degree.
Download & Apply!Comment below: What’s your dream degree? Let’s fund it!