Prime Minister Kamyab Jawan Loan Program 2020 | How to Apply

PM Loan Program
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To uplift the Pakistani youth, PM has launched a program, Youth Entrepreneurship Scheme (YES) Phase-II. This program has started under the banner of Kamyab jawan. The YES program is a step towards Imran Khan’s dream of creating 10 million jobs.

Under this scheme, the applicants will receive various loans from the government for the start-ups. This year,  the government increased the loan limit up to 25 million. Twenty-one banks are now involved in this program to make the process speedy and efficient.

The aim of the YES program is “Hunar Se Karobar Tak”. Youth will be able to collect the loans easily for their start-ups, small businesses, and existing enterprises.

YES program collaborations

Youth Entrepreneurship Scheme (YES) program developed with the collaboration of 03 central departments.

Pakistan Poverty Alleviation Fund (PPAF)

PPAF will look for the asset transfer program and the interest-free loan program.

State Bank of Pakistan (SBP)

SBP will work with three major banks ( National Bank of Pakistan, Bank of Punjab, and Bank of Khyber).

Small and Medium Enterprise Authority (SMEDA)

SMEDA will provide subsidized loans and necessary aptitude to youth to run a successful business.

Eligibility Criteria to Apply for Kamyab Jawan Loan Program:

If a candidate wants to receive a loan from the YES program, he/she would have to fulfill the following criteria.  

  • Candidates of the age group between 21-45 years are eligible for the YES program. For the IT sector, the required minimum age is 18 years old.
  • For IT / E-Commerce related companies, it will take Matriculation and minimum of 6 months’ experience.

 Beneficiaries of YES Program:

The loan under the YES program is for all the SME beneficiaries across Pakistan such as :

  • Punjab
  • Sindh
  • Khyber Pakhtunkhwa
  •  Balochistan
  • Gilgit-Baltistan
  • Azad Jammu & Kashmir

About 25% of the loans are reserved for women entrepreneurs.

PM Kamyab Jawab Loan Size and Security:

Through Kamyab Jawan YES Program, candidates will receive the following amounts of loans. 

Tier Loan Amount
Tier-I (T-1)Rs. 100,000/- to 01 Million
Tier-II (T2)01 Million – 10 Million
Tier-III (T3)10 Million – 25 Million

 See also: Punjab Rozgar Scheme 2020

The candidates will receive the loan up to 08 years with a grace period of one year.

Debt to Equity Ratio for new Business

For new businesses, the following debt to equity ratio is required

  • T1 loans: 90: 10 @ 3% markup
  • T2 loans: 80: 20 @4% markup
  • T3 loans:  80:20 @5% markup

For the existing Business, candidates will not receive any equity contribution.  

How to apply for Prime Minister Kamyab Jawan Loan Program 2nd Phase:

Here is the method to apply for Prime Minister Kamyab Jawan Loan Program 2nd phase.

  • Interested candidates can apply online from the Kamyab Jawan website (www.Kamyabjawan.gov.pk).
  • Candidates must fill all the information correctly.
  • In case of a query, you can also see the FAQs available on the website.
  • The form is available in both English and Urdu. 
  • If you have complaints, you can visit Pakistan Citizen Portal App.

Apply for the “Kamyab Jawan Program” immediately so that you don’t get late. For the latest news, visit FSc Online.

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163 Comments
  1. Tariq Hussain says

    Loan apply

  2. Muhammad zahid Khan says

    Uch shareef city east Ahmad pur dis bahawalpur.

  3. Imran Ali says

    Dear I also want apply for loan but i don’t know how applied for this loan any one guide me plzz

    1. Maham Babar says

      Hey Imran!
      Please read the post carefully you will find the instructions.
      Thank You!

      1. Habib ullah khan says

        1973 year ka option nai hai kiu or kiya mazoor jo hai jismani un k liye b hai meri agr 1973 year sy strat hai or mazoor b hu jismani apna karobar karna chata hu kiya mujhy mil saky ga. Wasy milna to mushkil hai bahot pir b agr koi bata dy to mery email par tafseel likh kar bejh dy. Thanx habib
        Email.
        [email protected]

        1. Jansher karim says

          Sindh ke liye allowable hai
          He to kis bank se contact karen other detail jane ke liye plz guided

          1. Maham Babar says

            Hey Jansher!
            Yes, Sindh domicile holders are allowed and the banks are mentioned in the post.
            Thank You!

    2. Rukhsar Aziz says

      I have apply on 5-11-2019 but no reply

      1. Maham Babar says

        Hey Rukhsar Aziz!
        The process takes time. Be patient, you will be responded soon.
        Thank You!

        1. Farhan Qureshi says

          This is Farhan Qureshi willing to get the loan for small business please guide me To which bank I have to contact for this.

  4. Shahzad ahmed says

    Hi,
    Overseas pakistanies wouldn’t get advantage from this scheme.plz inform…

    1. Maham Babar says

      Their official website or the mentioned banks can inform you about this.
      Thank You!

    2. Sarah khawaja says

      I want to apply prime minister youth scheme

      1. [email protected] says

        Good

  5. Haneef Mehboob says

    National bank waly khty hain ONLINE apply ho or online form h hi nhi is ka wasay logo ko bewaqoof bnaya huwa h

    1. Maham Babar says

      It is the duty of the banks to provide the forms and also the online form is available.

      1. Arsalan Ali says

        Banks are not providing any info. They simply said apply online, they don’t have any info. Could you please give the link where we can download and submit that form?
        Thanks

        1. Maham Babar says

          Hey Arsalan!
          Its mentioned in the post.
          Thank You!

  6. Ahmed Ray says

    Sir mana loen k Lia apply Kia jab application submit Kia Wo loen hoti rahi bad MA loddind hoti rahi or try later aha Gia.. Ab dusra apply kr ra ho to aha ra Han k cnic already use

    1. Maham Babar says

      Hey Ahmed Ray!
      You can apply for loan only for once. if you have applied you might wait for it to load completely. Refresh the page again and again.
      Thank You!

      1. Syed Aqib Bukhari says

        Azad Kashmir Walun kya Prosis Ha.

        1. Maham Babar says

          Hey Syed Aqib Bukhari!
          The process is same for Azad Kashmir.
          Thank You!

    2. Jansher karim says

      Sindh ke liye allowable hai
      He to kis bank se contact karen other detail jane ke liye plz guided

  7. Ray Muhammad Ahmed says

    Sir mana loen k Lia apply Kia jab application submit Kia Wo load hoti rahi bad MA loddind hoti rahi or try later aha Gia.. Ab dubra apply kr ra ho to aha ra Han k cnic already use

  8. Rana shoaib umar says

    Pleas send link online fom

    1. Maham Babar says

      The form will be provided by the mentioned banks.

  9. Faheem Anwar says

    Salam Sir.
    How can I check online application has been approved?

    1. Maham Babar says

      You will receive a confirmation message or email.

  10. Tayyaba Rafaqat says

    Sir i am MSC Botany and i wants loan for Rs.5,00 ,000/-

    1. Maham Babar says

      Hey Tayyaba!
      Go and apply for it!
      Thank You!

      1. Rustam says

        Hi. How can I apply for loan. Write me easy solution please.

        1. Maham Babar says

          Hey Rustam!
          All the instructions are mentioned in the post.
          Thank You!

      2. syed naeem abbas says

        mam i am bcom…………….how much i can apply.

        1. Maham Babar says

          you can apply according to your needs and the terms and conditions

    2. Mohammad Imran says

      A.A.
      I was apply loan on 18 October . I will apply 10 lac for dairy farm no response from the bank.

      1. Maham Babar says

        Hey Mohammad Imran!
        The process takes time. Be patient until you get responded to your request.
        Thank You!

  11. Andeela says

    I apply but dont receive any confirmation msg

    1. Maham Babar says

      Hey Andeela!
      It takes a little time to process the applications so wait and be patient you will receive your confirmation message.
      Thank You!

  12. Usama khan says

    Loan apply

    1. Zeeshan Malik says

      Loan apply

  13. Malik tariq says

    Mai loan k liye apply krna chahta hn kese apply kro

    1. Maham Babar says

      Please read the post carefully, the method to apply is mentioned within the post.

      1. Gujjar333 says

        AoA Please advice me for loan

        1. Maham Babar says

          Read the post carefully .. You will get all the instructions there.

    2. Maham Babar says

      Hey Malik Tariq!
      The procedure is mentioned in the post.
      Thank You!

  14. Habib ullah khan says

    1973 year ka option nai hai kiu or kiya mazoor jo hai jismani un k liye b hai meri agr 1973 year sy strat hai or mazoor b hu jismani apna karobar karna chata hu kiya mujhy mil saky ga. Wasy milna to mushkil hai bahot pir b agr koi bata dy to mery email par tafseel likh kar bejh dy. Thanx habib
    Email.
    [email protected]

    1. Maham Babar says

      You can get better information from the banks where this scheme is provided.

  15. Rashid Minhas says

    Great job

  16. Muhammad Ali says

    Loan Apply

  17. FARHAN says

    FORM EDIT HO SAKTA HAI KYA PLZ HELP

    1. Maham Babar says

      yes it can be edited before the last date.

  18. AIJAZ HUSSAIN says

    LOAN APPLY

  19. Kamran ahmad says

    Mein apply karna chata hun plz send me Requirment

    1. Maham Babar says

      Hey Kamran!
      The eligibility criteria are mentioned in the post.
      Thank You!

  20. Farooque Ahmed Shaikh says

    Sir Iam insisted this programme but I cant understand this process please guide me

    1. Maham Babar says

      Hey Farooque!
      All the instructions are mentioned in the post. Please read the post carefully.
      Thank You!

  21. Muhammad Saleem says

    Dear unfortunately mene galat bhara hua form submit kar dia kia ye abhe edit ho sakta hai kamyab jawan loan application form

    1. Maham Babar says

      Yes, you can try before the last date.

      1. Muhammad Saleem says

        how its not working

        1. Muhammad Saleem says

          if it is possible plz share how can i edit my application form

      2. Riaz Ahmed says

        Sir How? What is Edit Process how i can edit

  22. Muhammad Saleem says

    if it is possible plz share how can i edit my application form

  23. momal irshad says

    agar online aply kya ho form to kya bank me b submit krana prta hai form ya online is enough?

    1. Maham Babar says

      Online form is enough.

  24. moin shah says

    salam every one . i wanna apply for loan 500000, how can i apply plz any one send me form and ditails??

    1. Maham Babar says

      Hey Moin!
      All the instructions are mentioned in the post. Please read the post carefully.

  25. shamsuddin says

    How can apply the loan

    1. Maham Babar says

      You will find the details in the post.. please read the post carefully.

  26. shamsuddin says

    How can apply the loan

    1. Maham Babar says

      You will find the details in the post .. Please read the post carefully.

      1. Tabinda qasim says

        Plz bta dyn k is loan k sath interest b dyna ho ga

  27. Tabinda qasim says

    Aoa! Plz mjy bta dyñ k jo b apply kry ga loan k liy kia osko mily ga ya koi quraandazi ho gi
    Thnku

  28. ali says

    cnic ki issuing date wrongly feeded ho gye hai kia ye edit ho sakti hai please help me

  29. Riaz Ahmed says

    Sir i Have Filled application but still i don`t get any recived massage. sir i think i filled application so that i wrote my number wrong in hurry maybe i am not confirm bcoz i filled form in hurry so that sir i want to ask you that is this create a issue mobile numbr or not please sir guide me i am in tention.

  30. Babar Ali says

    sir mane 8 year baja 1 year likh diya galate se kiya ye wapis ho sakta he change ho sakta he ya bank wale se change ho sakta he ya or koi solution he plz help me

  31. M jawaid says

    sindh ye form apply kiun nhi ho rahe

    1. Maham Babar says

      Hey M. Jawaid!
      Currently, the program is only for Punjab and Khyber Pakhtunkhwa.
      Thank You!

  32. Bilal ali says

    Meri age 20 hai kya me is loan k liya apply kr sakta hn kya plz guide karen

    1. Maham Babar says

      Read all the terms and conditions and you will better get the answer.

  33. Adnan says

    I am adnan abdul malik
    Mujhe 100000 loan chahye

    1. Maham Babar says

      Go and apply for it!

  34. Amir says

    AOA
    what is the last date to apply.

    1. Maham Babar says

      Hey Amir!
      The last date is not mentioned by the Government also it is a loan scheme so it can be availed at any time.
      Thank You!

  35. Qamar says

    Kia ye loan shari lehaz sy jaiz hy?

  36. Zunia Awan says

    Apply krny k kitny arsay baad raqam mill jati hai

    1. Maham Babar says

      depends on the amount of loan and the procedure.

  37. Usman Hameed says

    How can i aaply please help me

    1. Maham Babar says

      The procedure is mentioned within the post.

      1. Faizan khan says

        Last date kya hai ? Nd online form nhi mil raha ? Link he nhi open h0oo rha..

        1. Maham Babar says

          Last date is not mentioned by the authority.

      2. muhammad imran says

        hi sir ma loan apply krna chota es kay liay mojy kiya kna pary ga

        1. Maham Babar says

          Hey Muhammad Imran!
          The procedure is mentioned in the post. Please read carefully.
          Thank You!

  38. M Attique says

    Sir 2nd phase kb start ho raha h?

    1. Maham Babar says

      Hey M Attique!
      We will let you know when the 2nd phase will be started.
      Thank You!

  39. Farrukh Aziz says

    AOA, mein loan apply karna chahta ho, lakin website par aa raha hai k , first hase ki loan applications pori ho chuki hein , plz guide me dobara applications kab ayen gi

    1. Maham Babar says

      Hey Farrukh!
      We will let you know when the 2nd phase will be started.
      Thank You!

  40. Hira saddique says

    I have filled the form online, but where i can submitted the fee of 100 rupees. is it necessary?? or just online form is enough for this?

    1. Maham Babar says

      the fee is to necessary to be submitted in the bank.

  41. Sonia says

    i have visited the bank for the info the lady informed me that the scheme has been expired. do anyone reconfirm me is that correct or not?
    any resource person here

    1. Maham Babar says

      Hey Sonia!
      The expiry date was not mentioned by the authority so maybe this is true that the scheme has been expired.
      Thank You!

  42. shaista says

    hey,

    Kindly inform me about collecting the applications
    closing date for phase 1

    Thank you!

    1. Maham Babar says

      Hey Shaista!
      The closing dates were not mentioned by the authority. But we have the news that Phase-I has been completed.

  43. MUHAMMAD ADIL MUMTAZ says

    Assalamualaikum sir
    Hum ko kasi pata chali ga ke hamara name es parogram ma hai ke nahi …

  44. Irsa says

    I was apply for the loan now i track my application but no record is found ??????

    1. Maham Babar says

      Hey Isra!
      That’s maybe a technical problem.

  45. Amir Nawaz says

    How to apply for loan application

    1. Maham Babar says

      Hey Amir Nawaz!
      The procedure is mentioned within the post.

  46. Naima Nasrullah says

    Salaam !mam mujy loan k.liay apply kiay 24 days ho gaiy hain abi tk koi.mail or msg receive nai hoa.Main ny check kia tha ID Card no. add krky 3 times vha py submitted aa raha hai. agy ka procedure kya hai ?

    1. Maham Babar says

      Hey Naima!
      The process takes time. Your application will be reviewed first and then you will be notified.
      Thank You!

  47. Arif ullah says

    How to apply for loan

    1. Maham Babar says

      Hey Arif Ullah!
      The procedure is mentioned in the post. Please read the post carefully.
      Thank You!

    2. Kaashif bin abdullah says

      Sir main ne loan ke liye apply Kiya tha abhi Tak koi jawab nhi aaya plz reply

      1. Maham Babar says

        Hey Kashif bin Abdullah!
        This is a long process and so it will take time. Be patient.
        Thank You!

  48. Arif ullah says

    Please me apply link

  49. Dilawar says

    Can Anyone guide. how much percentage borrower paid to government of Pakistan. any percentage on 500,000 loan

    1. Maham Babar says

      Hey Dilawar!
      You can better get this information from the bank. Also, all the terms and conditions are mentioned in the application form.

  50. Anahi says

    Can i still apply for this ?any deadline or phases?

    1. Maham Babar says

      Hey Anahi!
      Phase 1 for the submission of applications has passed. You can apply in Phase 2. Whenever phase 2 will be started we will let you know.
      Thank You!

  51. Gul muhammad says

    Sir online apply kiya hain isk allwa b apply krna hain

    1. Maham Babar says

      Hey Gul Muhammad!
      You can only apply online.
      Thank You!

  52. bilal ahmad afridi says

    when they will start disbursement of loan and why i should not check my application status online

    1. Maham Babar says

      Hey Bilal Ahmad Afridi!
      This is a long process and so it will take time. Be patient.
      Thank You!

  53. daniyal says

    please confirm phase 2 starting date..?

    1. Maham Babar says

      Hey Daniyal!
      The date is announced yet. However, we will inform you if there will be an announcement regarding this program.
      Thank You!

  54. Muhammad amjad says

    Mere zila muzafargarh tahsel jatoi me garosre dukan ha ma loan Lena chat hon 5 panch lakh ka

    1. Maham Babar says

      Hey Muahammad Amjad!
      The procedure is mentioned in the post. Please read carefully.
      Thank You!

  55. jahan zaib says

    hi is loan lene ka kio last date b ha ya kabi b apply bar saktey. kindly ye bataey.

    1. Maham Babar says

      Hey Jahan Zaib!
      The 2nd phase has started and the last date is not known.
      Thank You!

  56. Sayyed Ahsan Raza Shah says

    How to apply and how many days processing for the loen?

    1. Maham Babar says

      Hey Sayyed Ahsan Raza Shah!
      The procedure is mentioned in the post. Please read the post carefully. And the processing time is not mentioned by the authority.
      Thank You!

  57. Muhammad Junaid Iqbal says

    i have received a message from the bank.What is the next procedure and how many days, it will take??

    1. Maham Babar says

      Hey Muhammad Junaid Iqbal!
      The phase-I has been completed for applications. Now, the implementation will start and it takes time. Be patient.
      Thank You!

  58. Ubaid khalid says

    Mam, abi loan k liye apply kar skty hain kia??? Or abi kia process ho ga

    1. Maham Babar says

      Hey Ubaid Khalid!
      No, the date has been expired for the submission of application forms.
      Thank You!

  59. Waqar Ahmed says

    I was submitted foam since November-2019 but no result no one responded whats the status i think it is totally failure planned by Prime minister team they need to respond peoples why the application foam is pending if any issue and correction required they need to guide us but there is no one know what is the status of submitted foam

    Waqar

    1. Maham Babar says

      Hey Waqar Ahmad!
      Many people faced the same problem.

  60. nafees ullah says

    I was submitted foam since November-2019 but no result no one responded whats the status i think it is totally failure planned by Prime minister team they need to respond peoples why the application foam is pending if any issue and correction required they need to guide us but there is no one know what is the status of submitted foam

    nafees

  61. QAMAR ISHFAQ says

    please tell me the prime minister kamyab jawan loan scheme second round. also tell me the last date to apply.

    1. Amir Shafiq says

      we will let you know

  62. Musarrat Ali khan says

    what i should to do last phase men apply kya tha kaha hai k in process hain ap kya 2nd phase men apply kiya ja sakta hai ya umeed lagaee ja sakti jab k oper sary chor bethy hain

  63. zeeshan ali shani says

    SIR LAST DATE OF APPLY ???

    1. Neelam Sajjad says

      the last date has not been announced yet. Stay in touch with https://fsconline.info/ to get the complete details

  64. QAMAR ISHFAQ says

    Assalam o Alakum agar kisi NY pahly sy loan Lea ho to kia wo apply kar sakta ha

    1. Zarafshan says

      See the eligibility and ineligibility criteria. Thanks

  65. riaz says

    i was applied in 2019 can i apply again in phase 2

    1. Neelam Sajjad says

      Everything mentioned in the post

  66. Abdul Rahman says

    jab form fill kr ln or file edit k option say check krn toh wahn likha hua hy Non-verfied
    Ess ka kia mtlb hy. kuch k varfied b ata hy
    plz ese ka lazmi btain

    1. Zarafshan says

      review your application thoroughly. check that either you have verified your email or not. thanks

  67. SIKANDAR says

    I’M disability

    1. Zarafshan says

      sir see the article to apply.

  68. nawab khan says

    I have applied for phase 2 a few days ago it was submitted successfully but when I tracked there is no record found pls guide me. thank you.

    1. Zarafshan says

      review your application or send your problem to the official website.

  69. Rashid khan says

    apply Last date ?

    1. Zarafshan says

      check the website

  70. Bilawal Shamir says

    Assalam Allikum, Mera data correct submitted hay but nadra verify nh ho ra. khty k check CNIC issue date. jb k issue date tou thek enter ki hui hay.

    1. Zarafshan says

      Wa Alaikum Assalam, you can submit your issue/problems on Pakistan Citizen Portal app. Thanks

  71. Shan Ali says

    kamyan jawan phase 2, loan apply krne ki last date kya hai?

    1. Zarafshan says

      Check through the website

  72. Mohammed Hayat says

    I need loan business in Pakistan please tell me details thank you

    1. Zarafshan says

      Read the procedure given in the article.

  73. Muhammad Usman Bilal says

    Any one know about the last date of PM kamiyab nojwan loan scheme ? Kindly reply me ASAP.

  74. fawad ahmed says

    my loan
    Current Status :
    InProcess
    show …next kb tk mila ga are you tell me plzzz

    1. Zarafshan says

      you will get the notification. otherwise, you can contact the official website.

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