Are you an Indian expatriate living in Saudi Arabia and looking for a loan to support your family back home or manage urgent financial needs? You’re not alone. Thousands of Indian workers in Riyadh, Jeddah, Dammam, and across Saudi Arabia are looking for accessible, hassle-free, and ethical loan options. That’s where Alkhidmat Foundation’s online interest-free loan program can be a life-changing opportunity.
In this comprehensive guide, we’ll explain how Indians living in Saudi Arabia can apply for an online loan through the Alkhidmat Foundation, including the loan limits, required documents, and the entire process, all without visiting a bank or incurring interest.
| Loan Amount (SAR) | Monthly Installment (10 Years) | Interest | Guarantor Required | Shariah Compliant |
|---|---|---|---|---|
| 1,000 | 8.33 | 0% | No | Yes |
| 5,000 | 41.66 | 0% | No | Yes |
| 10,000 | 83.33 | 0% | No | Yes |
| 50,000 | 416.66 | 0% | No | Yes |
| 100,000 | 833.33 | 0% | No | Yes |
| 500,000 | 4,166.66 | 0% | No | Yes |
| 1,000,000 | 8,333.33 | 0% | No | Yes |
Why Indians in Saudi Arabia Need Loan Support
Whether you’re a skilled worker, driver, housekeeper, construction laborer, or technician, life abroad often comes with responsibilities:
- Supporting family back in India
- Paying off debts
- Managing wedding or medical expenses
- Starting or expanding a small business
- Building or repairing a house
However, for many Indians earning lower salaries, traditional banks in Saudi Arabia offer limited access to credit due to strict eligibility criteria, high salary requirements, and the need for a guarantor. That’s why online loan support through trust-based NGOs, such as Alkhidmat Foundation, is gaining popularity.
What is Alkhidmat Foundation?
The Alkhidmat Foundation is one of the largest nonprofit organizations in South Asia, with its main head office based in Pakistan. It provides interest-free loans (Qarz-e-Hasna), healthcare, education, support for orphans, and disaster relief. Their microfinance program is designed to help low-income families achieve financial independence, and now it’s also helping expatriates abroad send support to their families.
New in 2025: Indians and Pakistanis residing in Saudi Arabia can now apply for loans on behalf of their families through Alkhidmat’s online application system.
Loan for Indians in Saudi Arabia – Alkhidmat Loan Details
| Feature | Details |
|---|---|
| Loan Amount | SAR Equivalent of 15,000 – SAR 100,000 |
| Eligibility | Indian expat in Saudi Arabia, loan released to family in India or Pakistan |
| Interest Rate | 0% – Interest-Free Loan (Qarz-e-Hasna) |
| Loan Type | Business, Education, Housing, Medical, Wedding |
| Documents Required | Valid ID (Iqama), Passport Front Page |
| Application Method | Online or via WhatsApp |
| Approval Time | 1–3 weeks depending on documents |
| Support Languages | English, Urdu, Hindi |
How to Apply for Alkhidmat Loan from Saudi Arabia (As an Indian Expat)
Step 1: Contact the Foundation
Reach out to Alkhidmat’s loan department via WhatsApp:
- 📞 WhatsApp: +92 347 2630723
- 🌐 Website: www.alkhidmatloan.com
Step 2: Share Basic Details
Let them know:
- You’re an Indian expat in Saudi Arabia
- The purpose of the loan (family support, education, wedding, etc.)
- Who will receive the loan in India or Pakistan
Step 3: Submit Documents
You’ll be guided to send:
- Valid CNIC/ID card of the recipient (India or Pakistan)
- Utility bill of their address
- Explanation of why the loan is needed
- References (if required)
Step 4: Verification Process
Alkhidmat will verify:
- Purpose and urgency of the loan
- Financial status of the recipient
- Ability to repay in small installments
Step 5: Loan Approval & Disbursement
Once approved:
- The amount is deposited directly into the bank account of your family member
- Repayment starts after a grace period
- You’ll receive regular updates on your WhatsApp number
🔄 Repayment Terms
- Fully interest-free repayment
- Small monthly installments (adjusted as per income)
- No penalty for early payment
- Full transparency — no processing fee or hidden costs
🏡 Types of Loans Available for Indians in Saudi Arabia
1. Business Loan
- To start or expand a small business
- Grocery, tailoring, mechanic, shop, etc.
2. Education Loan
- Tuition fees, books, uniforms, college admission
3. Wedding Loan
- Daughter or sister’s marriage
- Venue, food, travel arrangements
4. Housing Loan
- To build or repair home
- Roofing, plumbing, walls, or sanitation
5. Medical Emergency Loan
- Urgent treatments, medicines, hospital admission.
About Alkhidmat Foundation
The Alkhidmat Foundation is an international nonprofit organization that offers interest-free loans to Indian expatriates living in Saudi Arabia. With its global support system and international coordination office in Singapore, Alkhidmat is now helping low-income Indian workers in Saudi Arabia apply for loans online, eliminating the need to deal with banks or high-interest rates. Whether you need financial help for your family in India, to support a small business, cover medical costs, or pay for education or a wedding, Alkhidmat makes it possible through its Qarz-e-Hasna (0% interest loan) program.
The loan is processed from Pakistan or India, but can be applied for directly while living in Saudi Arabia. Applicants only need to provide basic documents, such as an ID and a utility bill from a family member who will receive the funds. Alkhidmat provides comprehensive support via WhatsApp in both Hindi and English, ensuring a seamless and transparent process. Suppose you’re searching for a loan with no interest. You can apply today via WhatsApp at +92 347 2630723 and give your loved ones a better future with dignity and financial independence.
❗Important Guidelines
- ✅ Always apply only via official number: +92 347 2630723
- ❌ Do NOT trust third-party agents on Facebook or YouTube
- ✅ All communication is done via WhatsApp or verified staff
- ❌ No upfront payment is ever required
- ✅ Loans are based on honesty and trust
Why This Loan Is Perfect for Indians in Saudi Arabia
- You don’t need a high salary or bank account in Saudi
- You apply online or via WhatsApp from your mobile
- No interest or hidden fees
- You’re helping your family in India without paperwork or delays
- Approved by a reputed and trusted NGO in South Asia
Loan for Indian in Saudi Arabia
| Step | Action |
| 1 | Contact on WhatsApp (+92 347 2630723) |
| 2 | Share loan details & recipient info |
| 3 | Submit ID and utility bill |
| 4 | Wait for review and approval |
| 5 | Loan is sent directly to India bank account |
Apply Today & Help Your Family
If you’re an Indian worker in Saudi Arabia and struggling to support your family back home, the Alkhidmat Foundation offers a reliable, Islamic, and interest-free solution. It’s simple, fast, and designed for real people with real needs.
📲 Call or WhatsApp Now: +92 347 2630723
🌐 Visit: www.alkhidmatloan.com
Let your efforts in Saudi Arabia build a better future for your loved ones — one interest-free loan at a time.
📈 Success Stories – Real Examples from Saudi Arabia
Ravi Kumar – Riyadh
“I applied through Alkhidmat for my brother’s wedding. No bank helped me because my salary was low. They approved a SAR 100,000 wedding loan. My brother was so happy!”
Jaleel Ahmed – Dammam
“My family in India needed funds for my sister’s education. I contacted Alkhidmat. They helped in Hindi and approved a school loan within two weeks. No interest!”
Aslam Shaikh – Jeddah
“I used Alkhidmat loan to help my father start a grocery shop in Lucknow. Alhamdulillah, now my father is earning on his own and repaying the loan.”