Build your home. Grow your business. Fund your education. ApnaQarz helps 50,000+ Pakistani families achieve their goals with ethical, interest-free loans.
50,000+ Families Served
0% Interest Always
PKR 5+ Billion Disbursed
100% Transparent Terms
Fill out the form below to check your eligibility and apply for a loan.
Akhuwat Foundation is widely known in Pakistan for its interest-free microfinance model and community-based approach. The information shared here is based on publicly available sources and is provided for awareness purposes only.
Akhuwat operates on a community-driven model that emphasizes trust, transparency, and social responsibility, as highlighted in its official publications and reports.
Akhuwat is known for promoting interest-free lending principles aimed at reducing financial burden, as described in its public awareness materials.
According to publicly shared guidelines, Akhuwat follows a structured and transparent process through its official offices and authorized channels.
A simple and transparent process to get you the support you need.
Fill a simple form in minutes. Tell us what you need — no complex paperwork required.
Our team verifies your details fairly. Most applications processed within 48-72 hours.
Receive your approval with clear terms. Know exactly what you'll pay — no surprises.
Funds transferred to your account. We stay with you throughout your repayment journey.
Need help or want to learn more about our loan services? Reach out directly on WhatsApp — our team is available to guide you with care, respect, and transparency.
Whatever your goal, we have an interest-free solution to help you get there.
Transform your dream of homeownership into reality. Build, renovate, or purchase your family's sanctuary — without the burden of interest weighing down your future.
Turn your business idea into a thriving reality. From startups to expansions, fuel your entrepreneurial journey with capital that works for you, not against you.
Handle life's important moments with confidence. Family needs, essential expenses, or personal goals — access funds with respect and zero hidden costs.
When health can't wait, neither should you. Get fast, compassionate support for medical treatments, surgeries, and healthcare expenses — because your well-being comes first.
Grow more than crops — grow prosperity. Invest in seeds, equipment, and irrigation to transform your farm's potential into lasting abundance.
Invest in knowledge that pays forever. Cover tuition, books, and educational expenses so your children can chase their dreams without financial barriers.
Celebrate your special day with joy, not financial stress. Honor your traditions and create beautiful memories without compromising your family's future.
Life's emergencies don't wait for payday. Access quick, ethical support when you need it most — medical crises, urgent repairs, or unexpected hardships.
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Drive your ambitions forward. Whether for work or family needs, own your vehicle with transparent financing that puts you in the driver's seat of your financial future.
Why 50,000+ families chose ApnaQarz — and never looked back.
Never pay a rupee extra. What you borrow is exactly what you return. No hidden fees, no surprises.
From education to home ownership, we help families build generational wealth without the debt trap.
Know exactly what to expect at every step. Clear terms, honest communication, no fine print.
Our loans are designed for lasting impact — helping you grow assets, not just cover expenses.
We don't just lend — we walk with you. Expert advice to help you succeed in your journey.
Experience financial support that respects your worth. No judgment, just opportunity.
Overview
This platform shares general information to help users understand different financial assistance programs, eligibility criteria, and official procedures. We do not offer loans or financial services.
Dr. Muhammad Amjad Saqib
Dr. Muhammad Amjad Saqib (SI, HI) is a development practitioner, former civil servant, philanthropist, author and founder of Akhuwat. His expertise includes poverty alleviation initiatives, social development, governance, and educational reform.
We are committed to providing responsible and transparent financial support for our community.
50,000+ Families Trust Us
What you borrow is exactly what you return. Zero interest, zero hidden fees, zero surprises. We keep it simple and honest.
We understand local needs, cultural values, and community dynamics. Our solutions are designed for real families, not credit scores.
Your journey is our journey. From application to repayment, we guide you with expert advice and genuine care for your success.
These aren't just testimonials — they're real stories of families who broke free from financial hardship and built brighter futures with dignity.
“I use my embroidery skills to support my family. With a loan from Akhuwat, I repaired my embroidery machine and purchased more inventory. Gradually my business improved, and I started building my home...”
Get in touch with us for any inquiries or support.
Phone/WhatsApp
03700022610
Apnaqarz@gmail.com
Working Hours
Office hours 8am to 8pm, 7 days work