Prime Minister’s Kamyab Jawan Program Download Form

The objective of the Prime Minister’s Kamyab Jawan Program is to open up the self-employment opportunities for the people of Pakistan.

All men and women of Pakistan with CNIC and age between 18 and 45 years can avail this opportunity.

The loan tenure will be of eight-years with a grace period of one year.

Small enterprises both startups and existing business can avail the Prime Minister’s Kamyab Jawan Program and benefit from it.

The loan disbursed by the banks under the program will be between Rs. 100,000 to Rs. 5,000,000.

Nominated Banks

In the first instance, the following banks will execute the program:

  • National Bank of Pakistan (NBP),
  • Bank of Punjab
  • Bank of Khyber

Later on, other commercial banks will also be asked to participate in the program by SBP.

Prime Minister's Kamyab Jawan Program
Prime Minister’s Kamyab Jawan Program

READ MORE: State Bank of Pakistan – Monetary Policy Statement


The SBP has issued a circular for all Presidents/CEOs, of all banks. The SBP Circular with complete details as per SBP website is as under

Prime Minister’s Kamyab Jawan SME Lending Program

  1. Small enterprises stimulate economic growth by providing employment opportunities, fostering innovation and reducing income inequalities. Lack of adequate financing facilities from formal sources is one of the key challenges faced by small enterprises and youth entrepreneurs. Government of Pakistan is cognizant of this situation and is fully committed to enabling youth to avail affordable financing from banks for establishing a new business or strengthening their existing business. 
  2. In order to provide self-employment opportunities to unemployed youth, Government of Pakistan is launching Prime Minister’s Kamyab Jawan SME Lending Program across the country. Government of Pakistan shall provide mark-up and credit loss subsidy on small business loans in the range of Rs. 100,000 to Rs. 5,000,000 disbursed by banks under the program. The key features of the Program as approved by the Prime Minister are reproduced below:

Eligibility Criteria  

  1. All men/women holding CNIC, aged between 21 and 45 years with entrepreneurial potential are eligible. For IT/ E-Commerce related businesses, the lower age limit will be 18 years.
  2. Small enterprises (startups and existing businesses) as per definition of SBP and owned by youth as per above-mentioned age brackets are also eligible.
  3. For IT/E-Commerce related businesses, at least matriculation and/or experience of at least six months.

Loan Size

Size of the loan is segregated into two tiers, as under:

Tier 1 (T1) loans- Rs 100,000 to Rs. 0.5 million

Tier 2 (T2) loans- Above Rs 0.5 million and up to Rs 5 million

Loan Type

Working capital loans and term loans

Loan Tenor     

Up to 8 years with a maximum grace period of up to one year.

Debt to Equity Ratio

T1 loans- 90:10

T2 loans- 80: 20

The borrower’s contribution of equity would be in the form of cash or immovable property and will be required after approval of the loan.

Focus on Women

25% of the loans will go to women borrowers.

Security Requirements

Security arrangements will be as under:

T1 loans: Clean, however, only personal guarantee of the borrower

T2 loans: As per bank’s own credit policy

Risk Mitigation

The government will bear credit losses (principal portion only) on the disbursed portfolio of the banks as under:

T1 loans: Upto 50%

T2 loans: Upto 10%

Allocation in Budget

Finance Division shall allocate funds in each fiscal year’s budget as per estimates provided by SBP. Payment will be made on submission of consolidated claims of all the banks by the SBP.


Pricing for Working Capital & Term Loans:

T1 loans: 6% p.a. fixed for the borrower. The government will pay the difference of the cost at KIBOR+500bps

T2 loans: 8% p.a. fixed for the borrower. The government will pay the difference of the cost at KIBOR+400bps

Executing Agency   

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

NBP will continue to play the lead role. NBP’s share in total disbursed loans will be up to 50%.

Sectors and Products

All sectors. Standardized schemes/ projects/ undertakings designed by SMEDA, or projects designed by private sector service providers or by individuals, themselves will also be admissible.

Application Form      

The Form would be both in English and Urdu and require minimum essential information with a simple format.

The processing time will not exceed 15 days and will be stated clearly in the application form.

The forms would be readily available both in branches and through dedicated websites of the banks. A non-refundable form processing fee will be Rs. 100 (Rupee One Hundred Only).


SBP will publish consolidated information about the loans extended under this program for information of the public on a quarterly basis on its website. 

Geographical Distribution

The whole of Pakistan. In case of Balochistan, at least one branch of NBP will be designated per Division. All non-designated NBP branches will also provide and receive filled application forms and dispatch them to the nearest branches.

Additional Measures     

Executing Agencies (EAs) under this program should ensure the following additional measures:

Criteria for assessing entrepreneurial potential should be developed and implemented.

In case of loans for existing businesses, a robust independent verification mechanism may be introduced to ensure proper utilization of the loans. Further, for new businesses, a robust mechanism for ongoing monitoring of the loans’ utilization should be developed and implemented

A mechanism must be introduced to ensure that the prescribed debt-equity ratio has been maintained. Before disbursement of the loans, it should be ensured that the equity is deposited in the bank from the borrower’s own sources where the equity mechanism is in the form of cash.

3. The banks are advised to gear up their systems for successful implementation of this program and to avoid any misuse of the program.

4. Loan Application Forms will be available both in branches and through dedicated websites of National Bank of Pakistan, Bank of Punjab and Bank of Khyber. The standard loan application form is enclosed at Annexure-1. The banks are advised to mention their toll-free number in the loan application form for the facilitation of youth entrepreneurs. Eligible borrowers may apply for the loans immediately after the formal launch of the program by the Prime Minister.

5. The banks are also advised that with the launch of Prime Minister’s Kamyab SME Lending Program, Prime Minister’s Youth Business Loan (PMYBL) scheme would cease to exist.

Kamyab Jawan Program Download Form

Prime Minister’s Kamyab Jawan Program Download Form Here

Kamyab Jawan Program Download Form
Kamyab Jawan Form Download

The form can be obtained from banks free of cost. The processing fee as per SBP instruction is Rs.100/-. The processing fee is non-refundable.

Download Kamyab Jawan Program Form and submit it to the nearest National Bank of Pakistan Branch (NBP)

Must Read: Kamyab Jawan Loan Frequently Asked Questions (FAQs)

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  1. Sir hum is loan ko kese hasil krskte h braaye mehrbani humari rehnumae kren ta k is loan se hum koi business krsken iska next phase kbse strt hoga jazzakALLAH

      1. Sir aslam alaekam.sir mujh or mery khandan ko ehsas amergeny ke paise nhe mily hain plz humari help kar karen plz bhai hum gareeb bandy hain…

        1. subah 10 bajay Dr Sania Nishtar Radio Pakistan pe live ati hain aap un say direct sawal kar sakte hain

          You can contact Dr Sania Nishtar daily on Radio Pakistan for your queries and questions using the following numbers: 051-9206995 / 051-9205206

    1. Sir hum is loan ko kese hasil krskte h braaye mehrbani humari rehnumae kren ta k is loan se hum koi business krsken iska next phase kbse strt hoga jazzakALLAH

  2. Aslamo Alikum I’m Tanvir Ahmed my father name is Hakim sanghar meny kamyab jwan program me apply Kia that jisky be mujhy sms aur call bhi I the aur nic bhi Lia gya that my usky bad koi rabta nahi huwa

    1. Kindly for orphans and Converted Muslims in Pakistan who have changed there religion, and are now your Muslim Cummunity Member, kindly do something for them also.
      Im Converted Alhamdolilha, need help Covid took my job of call center.

    1. Dear hello mene loan keleay apply kiya tha ap ka numaenda bhi meri pory detail leker gya tha cal bhi ae thy NBP se mgr abhi tak loan approved hwa k nhi kab mile ga tak k koe shop open kr sken

  3. primister sahi aap ny jo loan scheam start ki hai acha program hai ham ny apply kia hai ab masla graintee personal to dy rahy hen baki agr ham etny ameer hoty to loan nh lety plz ham loan se apna rozgar karna chhty hen kahan se ham polat k kagaz lain property to nh hen

  4. I am unable to complete step 3 after appearing the affidavit on agreeing the terms. Neither an email is received nor the any message on my cell. Is there any portal to complaint online for applying the applications?

  5. Aslam o Alaicom sir ma boht gareeb insan hn or apny shehr shujabad ma private hospital ma job karta hn plz mujhy loan day do ma gari khareed k rent py chalana chahta hn ap ki mehrbani ho gi Allah pak ap ko taraki day Ameen….

    1. bhai online aooly bekar hai form download kr k fill kro or apny kareebi bank main jama krwao.

  6. AOA Sir form submit kr diya sms b aagya lekin ab Rs 100 kb or kahan jama krwny hn or mujy jwb kb ayae gaa?

  7. I am 23 years old job less young man having experience of working in the Hardware shop and I want to open my own hardware shop at Kotla Teh. Kharian Distt Gujrat.

  8. Is a person under matric is eligible for loan? Please inform the bank markup % for a loan of Rs.500,000/- and also inform about the deduction of installment period and can we change the installment period by paying more than fixed amount. Thanks and regards,

      1. Asslam-o-alaikum…!
        Sir I downloaded the form but it is not plzzz help I need the loan very urgently.

  9. Sir me marium moazzam i hv a new company registered ntn mj marketing and services smc ltd in jan 2019 i need a loan for tender business as i hv experience of working from last 7 years plz provide me details and maximum possibility to get loan

  10. Debt to Equity Ratio
    T1 loans- 90:10

    T2 loans- 80: 20

    The borrower’s contribution of equity would be in the form of cash or immovable property and will be required after approval of the loan.

  11. Imran khan se Karachi ke logon ki aik request ye hai ke emergency ambulance service provide kare . sindh government ne aman ambulance se contact kar ke mou ke zariye service chalayi ja rahi hai mgr WO bhi 02hafte se band hai or staff ko 05 machine se salary bhi nahi di gayi hai .AGR PTI wale aesi emergency ambulance service dain to thanks hogi . were Karachi mn or bhi service hain mgr us mn medical staff nahi hota Jo firstaid bhi de.

  12. we are happy but it is out of our excess it for those who are big business man.and for big sorce pesons

    1. The processing fee as per SBP instruction is Rs.100/-. The processing fee is non-refundable. (Nearest NPB branch)

  13. yeah its very better for young generations nd poor people……its agood work prime minister pakistan we proud of you….i love pakistan nd pak army….zinda bad

  14. AoA sir . How i avail upto 5 lac kamyab jawan program ? Can you guide me step by step

  15. sir, I am zafar,me rwalpindi sy me apna krobar krna chta ho plz mujy bhooot zarort h loan ki plzzz sir

  16. I have confirmed from nbp but they told me there is no loan scheme announced yet. You can apply after announcement of pm. Sir can you tell me when this scheme will be announce by pm. Tell me plz i need loan for my small business. Thanks.

    1. Fantastic response about young people without guarantee provide the lone God bless pm imran khan

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