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Kamyab Jawan

  Tier 1 Tier 2 Tier 3
Loan limit Rs. 100,000 to Rs. 1 million. Rs 1,000,001 to Rs. 10 million. Rs 10,000,001 to Rs. 25 million.
Price Fixed 3% Fixed 4% Fixed 5%
Tenor Up to 8 years
Grace Period Maximum one-year grace period. Grace period may vary based on type of business or partnership.
Loan Repayment Equal Monthly Installments (EMI)
Equity Contribution (for New Business only)* 10% 20% 20%
Collateral Clean, however, only personal guarantee of the borrower. Any tangible security/collateral as per bank’s own credit policy and collateral management policy. This may include the following with margin requirements.
·25% - Pledge and/or lien over bank deposits, certificates of deposits, gold ornaments and national saving securities.
·30% - Hypothecation of Motor Vehicle, Light/Heavy Commercial vehicles & plant/equipment where applicable.
·50% - Mortgage of Personal/3rd Party residential, commercial, industrial or agricultural property. Residential, commercial and industrial property preferred over agriculture property.             

- Long term and/or Working Capital Loan can be availed.

- Young Entrepreneurs in Pakistan who need financing to start or expand their business.

1. Entrepreneurs aged 21-45.

2. Holding a Valid CNIC.

3. For IT/ E-Commerce related businesses, the lower age limit will be 18 years, and for the same, at least matriculation and/or experience of at least six months will be required.

4. Small enterprises (startups and existing businesses) as per the definition of SBP Must intend on utilizing loan for business purpose identified in feasibility.

5. Any other requirements as per bank policy & Kamyab Jawan guidelines.

1. Valid Original CNIC.

2. Passport Size Photograph. 

3. Audited Management Accounts (Existing Business where loan amount >= PKR 15 Mln).

4. NTN (1 year prior to application date for existing business).

5. Account Statements (For 1 year). 

6. Business Feasibility (if not submitted on portal).

7. Referral Letter (if lead referred through partner).

- Up to 30 days from processing till loan approval.

Applicants can either apply through:

1. The Kamyab Jawan portal. https://kamyabjawan.gov.pk/.

2. Onboarded partners: (details of partners under "Others" tab).

- No processing fee.

Currently the following partners under the following business segments are onboarded:

Dairy Farming:  Suppliers on the following company's panel

1. FrieslandCampina Engro Pakistan.
2. Nestle.

Ride Hailing: Vendors and Captains on the following company's panel
1. Careem.

Business Loans: Individuals mentored/trained by the following companies
1. Gist Technology.
2. Punjab Skills Development Fund (PSDF).

Restaurants & Home Chefs:
1. foodpanda.

Fisheries (new boats only).

Commercial Vehicles: Customers of the following commercial vehicle companies
1. Master Motors.
2. Ghandhara Industries Limited.
3. Ghandhara Nissan Limited.
4. HINO.
5. Al-Hajj FAW.
6. FOTON JW Auto park Private Limited.
7. Daewoo Motors Private Limited.
8. Millar Tractors Limited.
9. SACL.