PMYB&ALS Tier Calculator
This scheme's three tiers aren't a marginal tax bracket — the rate that applies to your entire loan depends on which tier your total amount falls into. Borrowing even Rs. 1 over a tier boundary can add six figures in markup. This calculator shows you exactly where that line is.
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Rate Data & Sources
The three tiers — Tier 1 (up to Rs. 0.5 million, 0% markup), Tier 2 (above Rs. 0.5 million up to Rs. 1.5 million, 5%), and Tier 3 (above Rs. 1.5 million up to Rs. 7.5 million, 7%) — are set at the government/SBP program level under PMYB&ALS, so they apply identically across all 15 participating banks, not just Sindh Bank. Each tier's rate applies to the full loan amount, not just the portion above the previous threshold — confirmed consistently across multiple participating banks' official program pages.
Tenure varies by loan type and isn't fixed by tier alone: Tier 1 typically allows up to 3 years (1 year for crop loans), while Tier 2/3 allow up to 5 years for working-capital loans or up to 8 years for long-term/development loans, per the program's official terms across participating banks.
Last verified: September 2, 2026. Program terms are government-set but can change — always confirm current details with Sindh Bank or the official PMYB&ALS portal (pmyp.gov.pk) before applying.
Independent estimate — not an official Sindh Bank or PMYB&ALS calculator. PakFinHub is not affiliated with Sindh Bank Limited, the Government of Pakistan, or the State Bank of Pakistan.
For example, borrowing Rs. 1,600,000 instead of Rs. 1,500,000 crosses from Tier 2 (5%) into Tier 3 (7%) on the whole amount — costing roughly Rs. 102,504 more in markup alone over 5 years.
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