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Prime Minister's Kamyab Jawan Youth Entrepreneurship Scheme

In line with Government of Pakistan`s vision, Bank AL Habib offers the Kamyab Jawan Loan Scheme for young entrepreneurs. Eligible persons can apply for the said loan only through the Kamyab Jawan Portal:
https://www.kamyabjawan.gov.pk

Pricing

Product Customer Pricing Debt Equity for New Businesses Financing Limit
Tier 1 3% 90:10PKR 0.1 Million up to PKR 1 Million
Tier 2 4% 80:20Above PKR 1 Million up to PKR 10 Million
Tier 3 5% 80:20Above PKR 10 Million up to 25 Million

Loan Type

  • Long Term Loan
  • Short Term Loan
  • Leasing / financing of locally manufactured vehicles for commercial use. Only one vehicle per borrower is allowed

Long Term Loan

  • Tenor: Up to 8 years
  • Grace Period: Up to 1 year

Short Term Loan

  • Tenor: 1 year

Installments

  • Equal Monthly Installments

Eligibility Criteria

  • SMEs (Only one of the Owners, Partners or Directors must be in the age bracket 21 and 45)

  • All Citizen of Pakistan holding CNIC aged between 21 and 45 years with Entrepreneurial potential

  • IT/ E-Commerce businesses the lower age limit will be 18 years

Sectors and Products

  • All Sectors and Products including Agriculture

Security Arrangement

  • Tier 1 Loan: Clean, however personal guarantee of the borrower  

  • Tier 2 & 3 Loans: As per Bank's own credit policy  

  • Vehicle financed under T1, T2 & T3 to serve as collateral