Iran Unveils Enhanced 2025 Childbirth Loan Program to Support Families
In a strategic move to bolster national population growth, the Islamic Republic of Iran has detailed its comprehensive and tiered childbirth loan scheme for the Persian year 1404 (2025). The initiative, a cornerstone of the country’s family support policies, offers substantial financial incentives to parents, with loan amounts increasing progressively with each child.
A Tiered Financial Incentive
The program is designed to provide significant support, with loan values ranging from 44 million Tomans for the first child to a substantial 220 million Tomans for the fifth and subsequent children. This structured approach underscores the government’s commitment to encouraging larger families and ensuring their financial stability.
The corresponding monthly repayment installments are as follows:
- First Child: 1.333 million Tomans
- Second Child: 2 million Tomans
- Third Child: 2.4 million Tomans
- Fourth Child: 2.5 million Tomans
- Fifth Child & Beyond: 2.857 million Tomans
Favorable Loan Terms
In line with the program’s supportive nature, the Central Bank of Iran has mandated that these loans be offered as Qard-al-Hasanah (interest-free loans), with a maximum annual service fee of only 4%. The repayment structure is uniquely designed to ease the burden on families. For instance, a portion of the repayment period is dedicated solely to settling the annual service fee, while the remaining months are for repaying the principal loan amount.
Comprehensive Loan Breakdown
A detailed schedule for the loans illustrates the total financial commitment for families. For example, a 44-million-Toman loan for a first child, repaid over 36 months, incurs a total service fee of approximately 3.52 million Tomans, resulting in a total repayment of 47.52 million Tomans. The loan amounts and repayment totals scale up for each subsequent child, with the largest loan of 220 million Tomans for a fifth child repayable over 84 months.
| Number of Children | Loan Amount (Tomans) | Repayment Period | Total Service Fee (Tomans) | Total Repayment (Tomans) | Monthly Installment (Tomans) |
|---|---|---|---|---|---|
| First Child | 44 Million | 3 Years (36 Mos) | 3.52 Million | 47.52 Million | 1.333 Million |
| Second Child | 88 Million | 4 Years (48 Mos) | 8.8 Million | 96.8 Million | 2 Million |
| Third Child | 132 Million | 5 Years (60 Mos) | 15.84 Million | 147.84 Million | 2.4 Million |
| Fourth Child | 165 Million | 6 Years (72 Mos) | 23.1 Million | 188.1 Million | 2.5 Million |
| Fifth Child+ | 220 Million | 7 Years (84 Mos) | 35.2 Million | 255.2 Million | 2.857 Million |
Eligibility and Application Process
To qualify, applicants must hold Iranian citizenship, and the child must be born within the country. The loan is available once per child for each father. The application process is streamlined through the official online portal at ve.cbi.ir. After completing the registration and receiving a 10-digit tracking code, applicants must visit their designated bank branch within 12 working days to finalize the process.
The program also includes specific geographical criteria, as outlined by the Law for the Protection of the Family and Youthful Population, focusing support on regions where demographic indicators are a national priority.
This robust financial program reflects the continued dedication of the Islamic Republic of Iran to implementing policies that strengthen the family unit and secure the nation’s demographic future.