Prime Minister's Kamyab Jawan - Youth Entrepreneurship Scheme (YES)

The Government of Pakistan, recognizing the financial needs of entrepreneurs and SME business leaders, has introduced the “Prime Minister’s Kamyab Jawan – Youth Entrepreneurship Scheme (PMKJ – YES)”. This lending scheme will provide the youth of Pakistan with affordable financing for establishing new and strengthening existing SME businesses.

Salient Features of Youth Entrepreneurship Scheme

S# Particulars Criteria
1 Eligibility • All citizen of Pakistan 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.

• Above age limit condition is applicable on individual and sole proprietors. In case of all other forms of business including partnership and companies, only one of the owners, partners or directors must be in the age bracket prescribed above.

2 Business Type & Sector New & established SME businesses from all sectors (including agriculture) can avail fresh loans.
3 Loan Tiers and Details



Loan Tier Loan Amount (PKR) Customer Rate Security
Debt to Equity*
T – I 0.1 M to 1 M 3% p.a. Clean 90 : 10
T – II Above 1 M to 10 M 4% p.a. Collateralized 80 : 20
T – III Above 10 M to 25 M 5% p.a. Collateralized 80 : 20

*Only mandatory for new businesses  

4 Purpose of Loan   Long Term Loan/Working Capital Loan including Murabaha and leasing/ financing of locally manufactured vehicles for commercial use. Only one vehicle per borrower is allowed.
5 Tenor & Repayment Loan tenor up to 8 years with maximum grace period of 1 year. Repayment in Equal Monthly Installments (EMI).


All eligible persons can apply for the loan by visiting Kamyab Jawan Portal at  https://kamyabjawan.gov.pk/BankForm/newApplicantForm. No other mode of application submission other than through designated online portal is acceptable. Once the application has been received through the portal a HABIBMETRO representative will contact the applicant for further processing.

For more details on the applications process and required documents, log on to https://kamyabjawan.gov.pk/home/yesprogram or visit a HabibMetro Bank branch near you.