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.

  • 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.

For IT/E-Commerce related businesses, at least matriculation or equivalent education will be required.

Focus on Women:

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

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

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.

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.


Pricing for Working Capital & Term Loans:


Customer Pricing


Tier 1



Tier 2



Tier 3



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.

How to apply:

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


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