Prime Minister's Kamyab Jawan – Youth Entrepreneurship Scheme (YES!) BankForm/ApplicantForm

As part of the Prime Minister’s vision of creating 10 million jobs, PM’s Youth Entrepreneurship Program has been developed under the banner of Kamyab Jawan. This scheme envisages “Hunar Se Karobar Tak”, where youth will be graduated from basic asset transfer to interest-free loans to micro and then finally small loans as depicted in the graph.

In order to uplift the youth of the country by offering opportunities to utilize their entrepreneurial potential to the fullest, the Government of Pakistan is offering low-cost business loans up to Rs. 5,000,000/-

Loans can be availed for setting up new business or expansion of existing one. All eligible persons can apply for the loan by visiting the designated online portal (to be announced by GOP) or seek assistance from all participating banks i.e. National Bank of Pakistan, The Bank of Khyber and The Bank of Punjab. No other mode of application submission other than through a designated online portal should be acceptable.
  • Please provide the required information in all sections. All sections are mandatory
  • All completed and submitted applications shall be processed within 30 working days
  • For all complaints, inquiries or facilitation please visit Pakistan Citizen Portal App
براہ کرم تمام حصوں میں مطلوبہ معلومات فراہم کریں۔ تمام حصے لازمی ہیں
تمام مکمل اور جمع کروائی گئی درخواستوں پر 30 کاروباری دنوں کے اندر کارروائی کی جائے گی
تمام شکایات ، پوچھ گچھ یا سہولت کے ل please براہ کرم پاکستان سٹیزن پورٹل ایپ دیکھیں

Salient Features of YES
Eligibility Criteria
  • All men/women/transgenders holding CNIC, aged between 21 and 45 years with entrepreneurial potential. 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.
  • For IT/E-Commerce related businesses, at least matriculation and/or experience of at least 6 months will be required
Focus on Women25% of the loans will go to women borrowers
Loan Size and SecurityLoan AmountSecurity Requirement
Tier I (T-1)Rs. 100,000/- to Rs. 500,000/-Clean loan, only personal guarantee of the borrower
Tier II (T-II)Rs. 500,001/- to Rs. 5,000,000/-1. Commercial Vehicle
2. Gold Ornaments
3. Government Securities
4. Mortgage of Property
Loan Type
  • Working Capital Loans
  • Term Loans
Loan TenorUp to 8 Years with Maximum Grace Period of up to 1 Year
Debt to Equity Ratio
  • T-I Loans = 90:10
  • T-II Loans = 80:20
  • The borrower’s contribution of equity will be in the form of cash or immovable property and will be required after approval of the loan.
  • T-I Loans: Fixed @ 6% per annum
  • T-II Loans: Fixed @ 8% per annum
Fees & Charges
  • Processing Fee: Rs. 100
  • Other Charges: At Actuals
  • Charges of all sorts will only be payable by successful applicants