How to Apply Online for Kamyab Jawan Program – Tips and Guidelines

How to apply online for Kamyab Jawan Program

Prime Minister Imran Khan has launched the latest scheme for the youth of the country. If you are wondering what it is or how to apply online for kamyab jawan program, you are at the right place. We will try our best to explain the process and leave some useful tips for you to increase your chances of getting selected for kamyab jawan program by PM Imran Khan.

You need to have your CNIC and the age must be between 18 to 45 in order to be eligible for the kamyab jawan program.

Anybody with a startup, existing business or an idea can apply online for kamyab jawan program by the PTI government.

How to apply online for kamyab jawan program? Have a brief look at the details

The banks that are distributing funds for the scheme are

1- National Bank of Pakistan (NBP),
2- Bank of Punjab
3- Bank of Khyber

Above are the banks that would be investing in PTI government’s kamyab jawan program.

PTI Government’s Kamyab Jawan SME Lending Program

1. SMEs play a vital role in a country’s growing economy. The government of Pakistan has allocated substantial funds for SMEs so they can grow along with the government. If you have a small medium enterprise or an established business, you can ask for Rs. 100,000 to Rs. 5,000,000 as a loan. Collateral will be a part of the contract for SMEs.

2. This will deal with unemployment and business growth opportunities at the same time. Let’s have a detailed look at the prime minister’s kamyab jawan program and how to apply online for it.

Eligibility Criteria

1. All men/women holding Pakistan’s National Identity Card and are aged between 21 to 45 years with entrepreneurial potential are eligible. For those Jawans interested in IT/ E-Commerce related businesses, the lower age limit will be 18 years.

2. SME or established business owners falling under the criteria 1 are also eligible for the kamyab jawan program.

3. If you are interested in IT/ecommerce or similar online business, one has to be at least qualified in matriculation.

Loan Size

Size of the loan is segregated into three tiers, as described below:

Tier 1 (T1) loans- Rs 10,000 to Rs 100,000

Tier 2 (T2) loans- Rs 100,000 to Rs. 0.5 million

Tier 3 (T3) loans- Above Rs 0.5 million and up to Rs 5 million

Loan Type

The types of Kamyab Jawan Program Loans are Working capital loans and term loans.

Loan Tenure

The loan tenure, time to return the money 😉 , would be up to 8 years with a maximum grace period of up to one year.

Debt to Equity Ratio

T2 loans- 90:10

T3 loans- 80: 20

The borrower’s contribution to equity would be in the form of cash paid to the government. It could also be in the form of immovable property. This will be required after approval of the loan.

Read This to Get Business Ideas: Online Earnings in Pakistan – Myths and Realities

Focus on Women 

The good thing about Kamyab Jawan Program is that 25% of the loans will go to women borrowers. This is an amazing feature for the women entrepreneurs, isn’t it?

Security Requirements

Security arrangements will be as under:

T1: Nothing 🙂

T2 loans: This will require only the personal guarantee of the borrower

T3 loans: As per the bank’s own credit policy. Which means this would depend on the bank where you submit your form or apply for the loan.

Risk Mitigation

Kamyab Jawan program is all about facilitating the youth. The government has planned to rectify losses. Thus the government will bear credit losses (principal/base portion only) on the disbursed portfolio of the banks as under:

T2 loans: Up to 50% will be compensated by the government

T3 loans: Up to 10% will be compensated by the government

Allocation in Budget

State Bank of Pakistan will provide the estimates and the Financial Division will allocate funds. Payment will be made on the submission of consolidated claims of all the banks by the SBP.


Pricing for Working Capital & Term Loans:

T2 loans: 6% p.a. fixed for the borrower. The government will pay the difference of the cost at KIBOR+500bps

T3 loans: 8% p.a. fixed for the borrower. The government will pay the difference of the cost at KIBOR+400bps

Executing Agency

In the first instance, the National Bank of Pakistan (NBP), Bank of Punjab and Bank of Khyber will execute the kamyab jawan program under the guidance and supervision of SBP. Subsequently, the State Bank of Pakistan will also advise other commercial banks for participation in the program.

The National Bank of Pakistan will continue to play the lead role. NBP’s share in total disbursed loans will be up to 50%.

Sectors and Products

All sectors. Standardized schemes/ projects/ undertakings designed by SMEDA, or projects designed by private sector service providers or by individuals, themselves will also be admissible.

Application Form for Kamyab Jawan Program

The Form would be both in English and Urdu and require minimum essential information with a simple format.

The processing time will not exceed 15 days and will be stated clearly in the application form.

How to get Kamyab Jawan Program Loans?

It is quite simple to submit a form for Kamyab Jawan Program and get a loan. Keep the following tips in mind before submitting the form.

1- Ask only as much as required. When the screening starts, the exaggerated loan requests will be discarded.

2- The loan is not for personal use, buying a property or related material. Kamyab Jawan Program is solely for the youngsters interested in starting a business or growing a current business.

3- Do not even ask if you don’t have a business plan. You will waste your time and effort.

4- Do not go to your nearest relatives or politicians as Imran Khan is supervising the Kamyab Jawan Program himself and there is no chance of getting a favor from anyone. Stay true and upright.

5- In the end, just keep it simple.

Form for Kamyab Jawan Program

Please click on the link below to submit a request for Kamyab Jawan Program

click here to apply online for Kamyab Jawan program


If you still need help or have questions, leave your comments, I will respond as soon as possible.

Best of luck!

Need business id eas in Pakistan? Read this: Business Ideas in Pakistan 2020: Complete Roadmap

Read how to make PayPal account in Pakistan: PayPal account in Pakistan – Definitive Guide to make and verify PayPal account


Umer Atiq
IT Consultant and business analyst. Keeps an interest in the affair that impact business or society.