Prime Minister’s ‘Kamyab Jawan – Youth Entrepreneurship Scheme’, for young entrepreneurs and existing businesses between the age group of 21 - 45 years (18 Years for IT sector), is designed to provide subsidized financing through 21 Commercial, Islamic and SME banks under the guidance and supervision of the State Bank of Pakistan.

The loans will be disbursed to SME beneficiaries across Pakistan, covering; Punjab, Sindh, Khyber Pakhtunkhwa, Balochistan, Gilgit Baltistan and Azad Jammu & Kashmir. The Program aims to provide 25% of the loans to women entrepreneurs.

Loans provided through Kamyab Jawan Program are segregated in three tiers: Tier 1 (T1) loans fall in the range of Rs 100,000 to Rs. 1 million, Tier 2 (T2) loans fall in the range of Rs 1 million to Rs 10 million and Tier 3 (T3) loans range from Rs 10 million to Rs 25 million. The loans are provided for a period of up to 8 years with a grace period of 1 year.

The Borrower’s contribution of equity would be in the form of cash or immovable property and will be required after approval of the loan. Following are the conditions for debt to equity

1. New Businesses

The new business would be required to have a debt to equity ratio ;

Tier 1) 90:10 @ 3% markup

Tier 2) 80:20 @ 4% markup

Tier 3) 80: 20 @ 5% markup

2. Existing Businesses

No equity contribution is required of existing businesses that are applying for the loan.

SMEDA has been tasked with an advisory role in the implementation of PM’s scheme.

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Small and Medium Enterprises Development Authority
4th Floor, Building no.3, Aiwan-e-Iqbal Complex

Egerton Road, Lahore - Pakistan
Ph: (042) - 111 111 456
Fax: (042) - 36304926 / 7