Apply now for the PM Kamyab Jawan Youth Scheme 2025 and get business loans from Rs. 100,000 to Rs. 25 million at low markup rates. Learn about eligibility, tiers, repayment, and banks offering about PM Kamyab Jawan Youth Scheme 2025.
Overview PM Kamyab Jawan Youth Scheme 2025
PM Kamyab Jawan Youth Scheme is a flagship initiative by the Government of Pakistan to promote entrepreneurship among the youth.PM Kamyab Jawan Youth Scheme 2025 offers business loans at low markup rates through banks to support startups and existing small businesses.
Whether you’re an aspiring entrepreneur or an existing business owner, you can get financing of up to Rs. 25 million with flexible repayment terms and minimal security requirements.
PM Kamyab Jawan Youth Scheme 2025 Eligibility Criteria
To apply for PM Kamyab Jawan Youth Scheme 2025, you must meet the following criteria:
- Be a citizen of Pakistan with a valid CNIC.
- Be aged between 21 and 45 years.
- For IT or E-Commerce businesses, the lower age limit is 18 years.
- For partnerships/companies, at least one owner must fall within the age bracket.
- Must have entrepreneurial potential.
- For IT/E-Commerce startups, at least Matric education is required.
Types of Loans Under PM Kamyab Jawan Youth Scheme 2025
| Loan Type | Description |
|---|---|
| Long-Term Loan | For machinery, equipment, or setup |
| Working Capital Loan | To manage day-to-day operations |
| Murabaha | Islamic financing option |
| Leasing | For business vehicles (2/3/4 wheels) |
| Vehicle Loan | Only one vehicle per borrower |
Loan Tiers, Amounts & Markup Rates
| Tier | Loan Amount | Markup Rate | Security |
|---|---|---|---|
| Tier 1 (T1) | Rs. 100,000 to Rs. 1 million | 3% | No collateral, personal guarantee required |
| Tier 2 (T2) | Rs. 1 million to Rs. 10 million | 4% | Bank’s own policy, vehicle can be collateral |
| Tier 3 (T3) | Rs. 10 million to Rs. 25 million | 5% | Bank’s own policy, vehicle can be collateral |
Loan Tenure & Grace Period for PM Kamyab Jawan Youth Scheme 2025
- Maximum Loan Tenure: Up to 8 years
- Grace Period: Up to 1 year (only service charges paid during this period)
Debt-Equity Ratio for PM Kamyab Jawan Youth Scheme 2025
| Business Type | Tier 1 | Tier 2 & Tier 3 |
|---|---|---|
| New Businesses | 90:10 | 80:20 |
| Existing Businesses | No equity required for any tier |
- Equity contribution can be in cash or immovable property.
Step-by-Step for PM Loan Tracking Using CNIC
- Visit pmyp.gov.pk.
- Click Track Application.
- Enter your CNIC/NICOP and optionally tracking number.
- Submit to view live status.
- Use the Digital Youth Hub app for mobile tracking.
- For unresolved problems, call UAN 111‑119‑432.
List of Banks Offering PM Kamyab Jawan Youth Scheme 2025
You can apply through the following 21 banks working as Executing Agencies (EAs):
- Allied Bank
- Albaraka Bank
- Askari Bank
- Bank Alfalah
- Bank Al Habib
- Bank Islami
- Bank of Khyber
- Bank of Punjab
- Dubai Islamic Bank
- Faysal Bank
- First Women Bank
- HBL
- Habib Metro
- JS Bank
- MCB Bank
- MCB Islamic Bank
- Meezan Bank
- National Bank of Pakistan
- Sindh Bank
- Soneri Bank
- UBL
Repayment & Government Subsidy on Markup
- The Government of Pakistan provides markup subsidy on behalf of borrowers.
- Borrowers pay a fixed markup (3%, 4%, 5%) depending on tier.
- Banks charge KIBOR + 400bps, and the Govt pays the difference.
- Installments begin after grace period ends.
Frequently Asked Questions (FAQs)
1. What is the minimum age to apply for the PM Kamyab Jawan Youth Scheme 2025?
For general businesses: 21 years. For IT/E-Commerce: 18 years.
2. Can I apply for PM Kamyab Jawan Youth Scheme 2025 if I already have a business?
Yes, existing businesses can also apply. For them, no equity contribution is required.
3. How many vehicles can I finance?
Only one vehicle per borrower is allowed under PM Kamyab Jawan Youth Scheme 2025.
4. What happens during the grace period?
You only pay markup during the grace period. After that, monthly installments start.
5. Do I need collateral for the loan under PM Kamyab Jawan Youth Scheme 2025?
Tier 1: No collateral, just a personal guarantee.
Tier 2 & 3: As per bank policy, vehicle can serve as collateral.
6. Which banks offer PM Kamyab Jawan Youth Scheme 2025 loans?
A list of 21 commercial and Islamic banks are involved (see above).
7. How long do I have to repay the loan?
You can repay the loan over a period of up to 8 years, depending on your plan.
8. Can I apply for a loan in installments (tranches)?
Yes. Loans may be disbursed in tranches, depending on the approved amount.
9. What if I default on the loan?
Defaulting borrowers will be classified as “Loss”, and government markup subsidy will stop. The government may still bear some credit loss (50% for T1, 20% for T2, 10% for T3).
10. How do I apply for PM Kamyab Jawan Youth Scheme 2025?
You can apply online through the official Kamyab Jawan portal or visit your bank directly.
Final Thoughts for PM Kamyab Jawan Youth Scheme 2025
PM Kamyab Jawan Youth Scheme 2025 is a golden opportunity for young Pakistanis to kick-start or expand their businesses with the support of the government and banks. With low markup rates, flexible repayments, and simple eligibility,PM Kamyab Jawan Youth Scheme 2025 is ideal for building a self-sustaining entrepreneurial economy.
For more Updates about Government Schemes visit our website: https://pakgovschemes.pk/