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

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

Salient Features of Youth Entrepreneurial Scheme

S# Particulars Criteria
1 Eligibility Male/Female/Transgender aged between 21 to 45 years. (Lower age limit to be 18 year for IT/E-commerce related businesses)
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 Bank Rate Security Debt to Equity*
T – I 0.1 M to 1 M 3% p.a. 1Y K+400 BPS Clean 90 : 10
T – II Above 1 M to 10 M 4% p.a. 1Y K+400 BPS Collateralized 80 : 20
T – III Above 10 M to 25 M 5% p.a. 1Y K+400 BPS Collateralized 80 : 20

*Only mandatory for new businesses  

4 Purpose of Loan   1. Working Capital Loan

2. Vehicle Lease / Demand / Term Financing

5 Tenor & Repayment Loan tenor up to 8 years with max. grace period of 1 year which to be repaid 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.

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.