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Kamyab Jawan Program Loan Scheme 2023 Apply Online [HBL Bank]

To support youth entrepreneurship, HBL Bank offers Kamyab Jawan Program Loan financing. The purpose is to empower youth by offering them opportunities to use their entrepreneurial potential fully. Under the Kamyab Jawan scheme, applications have been reopened by the government.

A subsidized business loan scheme for youth entrepreneurs. A person who is eligible for the above financing can only apply for it through the Kamyab Jawan Portal.

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Prime Minister’s Youth Entrepreneurship Scheme (YES) Overview

Taking into consideration the financial needs of young entrepreneurs and small to medium sized businesses, the Government of Pakistan adopted a plan. PMKJ YES (Prime Minister’s Kamyab Jawan Youth Entrepreneurial Scheme) has been introduced by the government.

Applicants must be Pakistani residents aged 21 to 45 and have entrepreneurial potential. 18 is the minimum age for IT/Ecommerce businesses. Pakistan’s Youth Entrepreneurship Scheme encourages both startups and business expansion. Through our website, you must submit a loan application online.

HBL Bank Kamyab Jawan Loan Scheme Apply Online

The purpose of this financing scheme is to provide youth with affordable financing so they may start a new business or expand their existing SME business. The government of Pakistan has instructed the banks to offer at least 25% of the loans to women as per their directives.

As part of the YES kamyab jawan program, the loans are divided into three tiers according to their interest rates.

Tier 1A 3% mark-up is applied to the range from 100,000 up to 1 million PKR. No Security required for loan in this tier.  
Tier 2With a 4% markup, the range is above 1 million to 10 million PKR.
Tier 3With a markup of 5%, the range is upwards of 10 million to 25 million Pakistani rupees.
Note: If you do not complete all mandatory fields and click Submit at the end in kamyab jawan program, your application will not be considered submitted.

Eligibility Criteria Of Prime Minister Youth Loan Scheme 2023

  • Any Pakistani citizen aged 21-45 with entrepreneurial potential is eligible.
  • However, 18 is the minimum age for IT/E-Commerce businesses.
  • For sole proprietors and individuals, the above age limit applies.
  • In addition, any other form of business, including partnerships and corporations, must have at least one owner, partner, or director in this age bracket.
  • SMEs can apply for new financing from all sectors (including agriculture).

Documentation Requirement In Kamyab Jawan Loan Status (YES Scheme)

Please upload a picture or a scan of the following documents before you start your application in order for us to accept it:

  • Visible image
  • Separate CNICs – front and back
  • Higher education degree, upload
  • Upload relevant technical degree for the job
  • Skilled Labor / Artisanship
  • At least one experience certificate
  • Medical stores and commercial vehicles require licenses. If you’ve applied, upload the receipt.
  • Get your NTN before applying
  • Electricity Reference Number
  • Business feasibility estimates for revenue and expenses
  • An overview of the company’s operations
  • Agribusiness income, salary income, and remittances abroad.
  • Two CNIC references
  • For partnerships / limited companies, entity existence documents.

How to Apply In Kamyab Jawan Program Loan Scheme

  • Go to the Government’s Kamyab Jawan Program portal (Click Here)
  • All sections must be filled out as all information is required.
  • In order to file a complaint, please visit the Pakistan Citizen Portal App.
  • Nadra will verify the applicant’s CNIC, issue date, and date of birth if the required fields are filled in correctly.



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