In the line of unemployment, as determined by Prime Minister Imran Khan, dreams are coming true now for the young generation. PM now has officially started the most awaited “Kamyab Jawan” program in Pakistan to increase the ways of self-employment in youth. We will share the complete Kamyab Jawan Program details for the youth with its features, benefits, how to apply, loan limit, size, tenure, interest rate, how to pay back, where to get, how to register, and all the questions that arise for Kamyab Jawan Program 2023 by PM Imran Khan for youth development scheme.Detail method of How to apply for Kamyab Jawan Program loan 2021 Scheme

Small enterprises stimulate economic development by giving employment opportunities, fostering invention, and reducing income inequalities. Lack of adequate financial facilities from formal sources is one of the key problems faced by limited businesses and youth entrepreneurs.

PM Imran Khan is conscious of this situation and is fully faithful to helping youth to benefit from low-cost funding from banks for developing a brand new company or strengthening their ongoing small business.

After launching this youth empowerment program, the loan paid out by the nearby banks under the program will be between 01 Lac to 50 Lac rupees.

See also: Prime Minister’s Youth Loans 2023 for Small Business


وزیراعظم کامیاب جوان پروگرام کے تحت 6 مقررہ اہداف

The NBP (National Bank of Pakistan) can help you in executing the whole process of this program. Loans will also be delivered through the Bank of Punjab (BOP) and Bank of Khyber (BOK).

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Prime Minister Kamyab Jawan Loan Program 2021 in Urdu by Online Sign up

Eligibility for Loan Criteria:

1. All ladies/Gentlemen holding National CNIC, are having aged from  21 to 45 with entrepreneurial and enterprising potential are can apply to get this loan. For IT/ E-Commerce related businesses, the age will start from 18 years. This is to create great chances for all kinds of inventors.

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2. Small businesses that wish to start or already exist as per the classification of SBP and are owned by youth as per the above pointed-out age brackets are also eligible.

3. For IT/E-Commerce-related businesses, at minimum matriculation and/or practical experience of at least 06 months.

وزیراعظم عمران خان کے کامیاب جوان پروگرام کے تحت ہنرمند نوجوانوں کیلئے شروع کی گئی، انٹرپرینیورشپ پروگرام میں آئی ٹی اور ای کامرس سے وابستہ 18 سال کے نوجوان آن لائن اپلائی کرسکتے ہیں۔

Loan Limit:

The size and Limit of the loan can be seen in two ways:

Tier 1 =(T1) – is the loans from  100,000 to 500,000 Lac Pakistani Rupees.

Tier 2 =(T2)  is the loan that limits from 5 Lac to 50 Lac Pakistani Rupees.

Loan type and Tenor:

The loan type is Working capital loans and term loans. And you will have top payback for 08 years with a maximum grace period of up to 01 years.

Are Women Eligible to Get Loans?

Yes! Women are Eligible, but the most interesting feature for women is that 25% of the loans will go to women applicants. PM Womene Quota in Kamyab Jawan Programme 2021 to empower women

‏وزیراعظم کے  کامیاب جوان پروگرام کے تحت شروع کی گئی یوتھ انٹرپرینیرشپ پروگرام کی اہم خصوصیات میں سے ایک پاکستانی ہنرمند خواتین کے لیے مختص 25 فیصد کوٹہ ہے، جس کی مدد سے انہیں معاشرے میں ایک الگ مقام بنانے اور با عزت طریقے کے ساتھ آگے بڑھنے کامواقع میسر آئے گا۔

{Security/Guarantee} Demands:

Security Guarantee arrangements are different for both types of loans as follows.

Tier-1 loan:  (That is less than or equal to Rs. 500,000): Personal guarantee of the borrower. No collateral is required.

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Tier-2 loan: (That is greater than Rs. 500,000): Will be given as per the bank’s own credit guidelines.

Debt to Equity Ratio:

Debt to Equity Ratio for both Tiers is as follows:

T1-loan: 90:10

T2-loan: 80:20

Assets sum associated with the debtor should be in funds or home this is certainly іmmovable can be needed aftеr financing endorsement.

Risk Mitigation:

The government will bear credit losses (principal portion only) on the paid out portfolio of the banks as below:

T1 loans: Upto 50%

T2 loans: Upto 10%

Allotment in Annual Budget:

The Finance Division of Pakistan shall set aside funds in each fiscal year’s budget as per estimates presented by the State Bank of Pakistan. The Payments will be done by submitting consolidated states of all the banks by the SBP with great concern.


Rates for Working Capital & Term for the Loan repayment:

  • Tier 1 loans: 6% p.a. fixed for borrowers. (Government will pay the difference of the rate at KIBOR+500bps)
  • Tier 2 loans: 8% p.a. fixed for borrowers. (Government will pay the difference of the rate at KIBOR+400bps)

Loan Implementing Department:

In the first instance, the National Bank of Pakistan (NBP), Bank of Punjab, and Bank of Khyber will execute the program under the guidance and supervision of the State Bank of Pakistan. Subsequently, SBP will also advise other banks that are commercial entrance in this program.

NBP will continue to play the role that is lead. National Bank of Pakistan shares in total loans that are disbursed be up to 50%.

Sectors and Products:

All sectors. Standardized schemes, projects, undertakings created by SMEDA, or projects designed by private sector providers or by individuals, on their own shall additionally be admissible.

Application Form:

The Form would be both in English and Urdu and require minimum information that is an important easy format.

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The processing time will not meet or exceed 15 times and will demonstrably be stated in the application form.

The Applications form may be readily found both in E-branches and through dedicated internet sites for banking institutions. The nonrefundable application form processing fee shall be Rs. 100 (Rupee One Hundred Only). The official website will help all people in this regard.


SBP will publish consolidated information regarding the loans extended under this planned program for information of the public on a quarterly basis on its Internet site.

Geographical distribution:

The whole of Pakistan. Within the full case of Balochistan, at minimum, one branch of NBP will be designated per Division. All non-designated NBP branches will offer and get also filled application forms and dispatch them to your nearest branches.

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Extra measures:

Executing Agencies (EAs) under this program should make sure the following measures are additional

Criteria for assessing the potential that is entrepreneurial be developed and implemented.

A robust separate verification process might be introduced to ensure the proper utilization of the loans in case of loans for existing businesses. Further, for brand new businesses, a mechanism that is the robust ongoing track of the loans’ utilization should be developed and implemented

A procedure must be introduced to make sure that the recommended debt-equity ratio has been maintained. Before payment of the loans, it should make certain that the equity deposited within the bank from the borrower’s sources that are own the equity mechanism is within the form of cash.

You can apply online here

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