Prime Minister’s Kamyab Jawan Scheme

Eligibility Criteria:

  • 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.
  • For IT/E-Commerce related businesses, at least matriculation or equivalent education will be required.
  • Small enterprises (startups and existing businesses) as per the definition of SBP and owned by youth as per the above-mentioned age brackets are also eligible.

Focus on Women:

  • 25% of the loans will go to women borrowers.
  • Loan type:

  • Long term loan for Machinery and Equipment / Working capital loan/ Running Finance, and Leasing of Business on wheels on 2/3/4 wheel locally manufactured vehicles.
  • Loan Tenor:

  • Up to 8 years.

Loan size:

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

  • Tier 1 (T1) loans- from Rs 100,000 to Rs. 1 million.
  • Tier 2 (T2) loans- Above Rs 1 million and up to Rs 10 million.
  • Tier 3 (T3) loans-Above Rs 10 million and up to Rs 25 million
  • Grace Period:

  • Grace period of up to one year (subject to the size and nature of the business/loan)..

Debt to Equity ratio:

  • For New Businesses:

  • T1 - 90:10.
  • T2 & 3 - 80: 20.
  • For Existing Businesses:

  • Nil for all tiers.
  • 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.

Security Requirements:

  • Security arrangements will be as under:

  • T1 loans: Clean; however only personal guarantee of the borrower.
  • T2 & T3 loans: As per bank’s own credit.
  • How to apply:

  • The applicant shall apply directly via Prime Minister Kamyab Jawan portal i.e


Pricing for Working Capital & Term Loans:

Product Customer Pricing
Tier 1 3%
Tier 2 4%
Tier 3 5%

Application Form:

  • The Form would be both in English and Urdu and require minimum essential information with simple format available on Government provided Kamyab Jawan portal.
  • The processing time will not exceed 30 days and will be stated clearly in the application form. Non-refundable form processing fee will be Rs. 100/- Inclusive of NADRA online CNIC verification fee.

In case of any query please visit your nearest BOK branch or contact on the following:

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