CM Loan Scheme for Govt Employees 2026 – Get Loan for House Car and Scooty Bike
CM Loan Scheme for Govt Employees 2026 rolled out. Employees who are planning to build a house , buy a car, motorcycle or bicycle , this scheme suit for them. There is no hidden charges , no interest , just a helping hand from Government to fulfill their dreams. There are four categories of loans, which are given below.
- Motor Car Loan — Up to Rs. 200,000, for BS-17 and above
- House Building Loan — Up to Rs. 250,000, for BS-1 to BS-17
- Motorcycle Loan — Up to Rs. 80,000, for BS-1 to BS-17
- Bicycle Loan — Up to Rs. 8,000, open to everyone, no conditions attached
CM Loan Scheme for Govt Employees 2026 Eligibility Criteria
There is specific eligibility criteria for each category.
Car Loan Scheme
For car loan , employee must complete at least 5 years of service and age less than 55 years.
House Building Loan
Employee should complete at least 10 years of service and age less than 50 years.
Motorcycle Loan
At least 5 years of service, age under 55.
Bicycle Loan
Anyone can apply for bicycle loan. There is no age limit.
How to Apply for Loan Scheme
Applicants should submit their application through the department. And data must be entered online at www.bfkp.org. Incomplete application will not be entertained. Applying without department permission , applications will not be entertained.
Monthly Installments
Employee should repay monthly installment for each loan category. Check out below table for installment details.
| Loan Type | Eligibility | Total Installments | Monthly Installment | Loan Limit |
|---|---|---|---|---|
| Motor Car (BS-17 & Above) | Min. 5 years service, age not exceeding 55 | 60 | Rs. 3,334/- | Rs. 200,000 |
| House Building (BS-1 to 17) | Min. 10 years service, age not exceeding 50 | 120 | Rs. 2,080/- | Rs. 250,000 |
| Motorcycle (BS-1 to 17) | Min. 5 years service, age not exceeding 55 | 60 | Rs. 1,340/- | Rs. 80,000 |
| Bicycle (BS-1 to 17) | No condition | 40 | Rs. 200/- | Rs. 8,000 |
Read Also: CM Punjab Youth Games 2026- Online Registration Form youthgames.punjab.gov.pk
Important Points to Remember
- Interest-free loans will be disbursed through a balloting/draw among eligible applicants.
- Applications can apply only for one category, requests for more than one loan simultaneously will not be entertained.
- The concerned DDO must confirm the applicant has not previously availed a loan under this or a similar scheme.
- A DDO certificate must be attached with the application form.
- Applications from Civil Secretariat employees and its attached departments will be scrutinized and forwarded by the Benevolent Fund Section, Civil Secretariat.
- District-level employee applications will be checked by the concerned Deputy Commissioner. Attached Department employee applications will be checked by their respective department.
- Incomplete applications will not be considered.
- Last date to submit applications is 10/12/2026.
Final Words
The KPK Government announced this interest-free loan scheme for Government employees. Employees from BPS- 1 to BPS-17 and above can apply for relevant category. For Car loan scheme , only BPS-17 and above employees can apply. For House , Motorcycle and bicycle , BPS-1 to BPS-17 employees can apply. Monthly installment start from Rs.200 to Rs.3324/- It depend upon your category. The interested employees can apply according to the instructions given above. The last date for the application is 10/12/2026.
Frequently Ask Questions FAQ’s
Who is eligible to apply for this loan scheme?
All KP provincial government employees who meet the service, age, and pay-scale conditions for the respective loan category.
Can I apply for more than one loan category at the same time?
No. Only one loan category can be applied for at a time; multiple simultaneous applications will not be considered.
Is there any interest on these loans?
No, all loans under this scheme are completely interest-free.
How will loans be allocated among applicants?
Through a transparent balloting (lucky draw) system.
What documents are required with the application?
A duly filled application form along with a certificate from your DDO confirming you haven’t previously availed a similar loan.
Where do I submit my application?
Applications must be submitted through your department, and data must be entered online at www.bfkp.org.
Can I apply directly to the Provincial Benevolent Fund Board?
No. Direct applications are not accepted; all requests must go through the concerned department/DDO.
What happens if my application is incomplete?
Incomplete applications will not be considered at all.
Is there any eligibility requirement for the bicycle loan?
No, the bicycle loan has no service length or age condition, it’s open to all employees.
What is the last date to apply?
10th December 2026.
