Most applications under the PM Shehbaz Loan Scheme 2025 get rejected due to bad credit history. If you’ve missed any payments on past loans—even small ones through mobile apps like JazzCash or EasyPaisa—your credit score is likely affected. Banks use SBP’s eCIB system to check your financial record. To get approved, you must clear all past dues, avoid applying repeatedly, and rebuild your credit by repaying small loans on time.
What Is the PM Shehbaz Loan Scheme 2025?
The Prime Minister’s Youth Business & Agriculture Loan Scheme (PMYBALS) is a government initiative that offers low-interest or interest-free loans ranging from Rs. 500,000 to Rs. 7.5 million. It aims to support:
- Unemployed youth
- Small business entrepreneurs
- Farmers and skilled workers
- Students and women with valid business plans
💡 These loans are provided through major banks including NBP, UBL, BOP, and others, making the process more accessible nationwide.
Main Reason for Application Rejection
❌ Bad Credit History
Your credit history is a financial record that shows how you’ve handled past loans. It’s like a trust score used by banks to decide whether you’re financially reliable.
You are at high risk of rejection if you:
- Took loans from a bank or loan app
- Missed or delayed installments
- Still owe money from any previous loan
- Paid late, even if only by a few days
- Are blacklisted by a financial institution
⚠️ Even unpaid small loans from mobile apps can lead to rejection under this scheme.
What Exactly Is a Credit History?
A credit history includes:
- All past loans taken from banks or apps
- Timeliness of installment payments
- Any defaults or missed payments
- Outstanding unpaid balances
Banks check this via the State Bank’s eCIB system, which automatically flags any negative record.
Am I Still Eligible to Apply?
You might not be eligible if you answered “No” to any of the following:
- Did I repay all my previous loans fully and on time?
- Do I have a clean record with no pending dues?
- Have I never defaulted on a loan—big or small?
💡 The loan portal now uses SBP’s eCIB system to auto-check your financial profile using your CNIC. So hiding old dues is no longer possible.
How to Improve Your Chances of Getting Approved
If your application was rejected, don’t lose hope. Here’s how you can repair your credit score and become eligible again:
✔️ 5 Key Steps to Rebuild Your Credit:
- Clear All Outstanding Dues – Settle old bank or app loans immediately.
- Never Miss Installments – Use reminders or auto-deductions.
- Get Your eCIB Report – Review your credit report from SBP.
- Avoid Reapplying Too Soon – Multiple rejections damage your credit further.
- Start Small, Prove Reliability – Take small loans (e.g. utility bill payments), repay on time, and rebuild trust.
📊 Comparison Table: PM Shehbaz Loan Rejection Reasons
| Reason | Impact on Approval | What You Should Do |
|---|---|---|
| Delayed Bank Loan Payments | High Rejection Risk | Clear dues & avoid future delays |
| Unpaid JazzCash/EasyPaisa Loans | Medium to High Risk | Repay mobile app loans urgently |
| Active Loans on CNIC | Immediate Disqualification | Settle and wait for status update |
| Blacklisted by Bank/App | Auto Rejection | Contact institution to resolve the issue |
| Multiple Recent Loan Applications | Lowers Credit Score | Wait, improve record, then apply again |
Frequently Asked Questions
🔹 Why was my application rejected?
Most rejections are due to bad credit history, such as missed payments or unpaid past loans linked to your CNIC.
🔹 Do mobile app loans matter?
Yes. Even a Rs. 5,000 unpaid app loan can lower your credit score and block approval.
🔹 Can I reapply after being rejected?
Yes, but only after clearing old loans and allowing time for your credit score to improve.
🔹 How can I check my credit report?
You can request your eCIB report from SBP. It lists all your past loans, delays, and defaults.
Final Advice: Clean Up Before You Step Up
The PM Shehbaz Loan Scheme 2025 is a powerful opportunity to grow your small business or income stream. But banks are strict about credit checks now.
Your best bet?
Clear all past dues, don’t reapply too soon, and start small to rebuild your credit. A good financial record today means a better tomorrow.
Fix your credit, then apply — and success will follow.