Khud Mukhtar Khatoon Program Online Registration – Eligibility, Documents & Application Process

Khud Mukhtar Khatoon is a financing program for women in Pakistan who want to start or grow their own business. It provides halal (interest-free) financing ranging from Rs. 100,000 to Rs. 1.5 million through the Hakeem App, operated by Walee Financial Services with the support of Karandaaz Pakistan.

In this guide, you’ll learn who can apply, which documents are required, and how to complete the online registration process step by step. If you’re also looking for other government support initiatives, you can read our guide on the Electric Bike Scheme 2026 to explore additional opportunities available in Pakistan.

Many women in Pakistan run small businesses from their homes or communities, but it is hard for them to get a loan from a normal bank. Khudmukhtar Khatoon was made to solve this problem. It was started by Walee Financial Services, the same company that runs the Hakeem App — one of Pakistan’s first Islamic digital loan apps. They worked together with Karandaaz Pakistan, a group that helps improve access to money for people who need it.

Here is what makes this program different:

• No collateral needed — you don’t have to give any property or item as security for this loan.
• Halal and interest-free — the loan follows Shariah rules. Hakeem has also shared a Fatwa (Islamic ruling) on their website about this.
• For all types of businesses — home-based work, a new startup, a small shop, or even a growing business can apply.
• Fully online — you don’t need to visit any office. Everything is done on your mobile through the Hakeem App.

Walee Financial Services works under an official SECP license (No. SECP/LRD/119/WFSPL/2022-16), which is shown on Hakeem’s website.

Based on what Hakeem has shared, this program is for:

1. Women living in Pakistan who run or want to start a business
2. Women with a home-based business
3. Women running a new startup
4. Women who own a small business
5. Women who already have a growing business and need more money to expand
6. Applicants must have a valid CNIC and pass Hakeem’s online checks

Hakeem has not shared full details about things like age limit or which cities can apply. It’s best to open the app and check the exact rules at the time you apply, because these details can change.

Here is the simple process to apply:

1. Download the Hakeem App from Google Play Store or Apple App Store.
2. Make an account using your mobile number and confirm it with the OTP code you receive.
3. Select Khudmukhtar Khatoon from the list of financing options in the app.
4. Enter your personal details, including your CNIC number.
5. Add your business details — what type of business it is and why you need the loan.
6. Upload your documents (CNIC, address proof, and anything else the app asks for).
7. Complete the verification step inside the app.
8. Submit your application and wait for a response.
9. Track your status anytime inside the app.

Make sure your mobile number and CNIC details are correct and match your official records. Wrong details can cause delays.

You can check your status any time by opening the Hakeem App and going to your account or application section. If something looks wrong or is taking too long, it’s best to contact Hakeem’s support team directly instead of trusting random information online.

• Loan amount: Rs. 100,000 to Rs. 1.5 million
• Type: No collateral, halal (interest-free), Shariah-compliant
• Use: To buy things needed for your business, like equipment or stock
• Repayment details: The exact repayment plan is not shown on the general Hakeem webpage. Please check this carefully inside the app before you accept any offer.

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When applying for the Khudmukhtar Khatoon Program, avoid common mistakes that could delay your application or lead to rejection. Make sure your CNIC and mobile number match your official records, and provide a clear and accurate description of your business instead of vague information. Respond promptly to any requests in the Hakeem App for additional documents or verification. Always submit your application through the official Hakeem App and avoid agents or unofficial websites that claim to guarantee approval. Before accepting any financing offer, carefully read and understand all the terms and conditions to ensure you know your rights and responsibilities.