The Kamyab Jawan Program is the federal PM Youth business loan for young entrepreneurs across Pakistan. This guide explains who is eligible, the loan tiers, the documents you need, and how to apply online, in simple words.
The scheme helps young people start or grow a business with a loan at a low, subsidised markup, delivered through partner banks. Applying is free, and selection is based on your business case.
What is the Kamyab Jawan Program?
Kamyab Jawan, also known as the PM Youth Business and Agriculture Loan Scheme, is a federal program that gives young entrepreneurs access to business loans on easier terms than a normal bank loan. The aim is to support self-employment and small business among Pakistan’s youth. You can find official information on the PM Youth Programme portal.
Kamyab Jawan eligibility
Based on the reported criteria, you generally need to:
- Be a Pakistani citizen with a valid CNIC
- Fall within the scheme’s youth age range
- Have a workable business idea or an existing small business
- Meet your partner bank’s basic requirements
Exact criteria, including the age range, can change, so confirm the current rules on the official portal before applying.
The loan tiers
The scheme has been reported to lend in tiers, with larger tiers offering bigger amounts at a low, subsidised markup. The exact loan limits and markup rates change over time, so we do not list fixed figures here. Confirm the current tiers on the official portal and with the partner bank.
Documents you need
Keep clear scans ready:
- Your CNIC
- Your business plan or details of your existing business
- Any proof of business activity or address, if requested
- Your bank details for the partner bank
How to apply online, step by step
- Open the official PM Youth Programme portal and register with your CNIC.
- Fill the application with your personal and business details.
- Choose a partner bank and complete the required fields.
- Submit, then follow up with the partner bank, which reviews your business case.
Stay safe from fraud
- Apply only on the official portal pmyp.gov.pk and through a real partner bank.
- Applying is free. No agent can guarantee approval for a fee.
- Never share your OTP or password, and never pay anyone to “process” your loan.
To see what else may fit your household, try our free eligibility checker. For a Punjab-specific business loan, see the Asaan Karobar Card.
GoPunjab is an independent information website. We are not the PM Youth Programme and cannot approve a loan. We only explain how the process works so you can apply correctly yourself.