Fazaia Qarz-e-Hasna (Interest-Free Loan) Scheme 2025-26

Overview

Fazaia Qarz-e-Hasna (Interest-Free Loan) Scheme 2025-26 is a prestigious opportunity provided by Directorate of Education, Air Headquarters (AHQ), Pakistan Air Force. This scholarship is designed to support students pursuing Undergraduate (BS / BE / MBBS - 4-5 Years) or Masters (MA / MSc / MS - 2 Years) or PhD (Doctoral). It offers Interest-Free Loan (Repayable), including benefits like Loan Limit: Up to PKR 400,000 for the entire degree program (disbursed semester-wise). Nature of Loan: Interest-Free (0% Markup). Disbursement: Paid directly to the student or university to cover tuition fees. Repayment Mode: Repayment usually starts after the completion of the degree or employment, in easy monthly installments.. Eligible candidates are encouraged to apply before the deadline to secure this funding for their academic journey.

Benefits & Coverage

Eligibility Criteria

• Beneficiary Status: Must be a child of Serving, Retired, or Deceased PAF Personnel (Officers, Airmen, or Civilians paid out of Defence Estimates).
• Financial Need: Must demonstrate genuine financial constraints preventing payment of full fees.
• Admission: Must be enrolled in an HEC-recognized Public or Private University in Pakistan.
• Academic Merit: Must have secured admission on merit (Self-finance or low-merit seats are generally not supported).
• Guarantor: Requires a guarantee from a serving PAF Officer/JCO or the Pension Book of the retired parent.

Required Documents

Frequently Asked Questions