All you need to know about revolutionary ‘Kamyab Jawan Programme’

Federal Cabinet approves Rs 100 billion scheme for Pakistani Youth.

The government will provide loans to youth to bring about an economic revolution


Key Points:

  • The federal cabinet has allocated Rs100 billion for the economic uplift of youth, says Firdous Ashiq Awan.
  • The government will provide the loan of 500,000 to 5 million rupees under Kamyab Jawan Programme.
  • The key purpose of the programme is the economic empowerment of youth.
  • Budgetary allocations for the programme will increase in coming years, says Firdous.
  • 25 per cent of the soft loans to be given to young women to run their own business, she added.


Pakistani youth can acquire a loan ranging from 100,000 to 5 million rupees under the newly announced Kamyab Jawan Programme. The bank will provide the loans in two categories.

The first category is allocated for the loans of up to 500,000 rupees at the nominal interest rate of only six per cent. In the second category, loans up to five million rupees would be given at the interest rate of eight per cent.

Budgetary allocation for the loans

Prime Minister’s National Internship program to empower young people with skills, training, and access to finance.


Firdous Ashiq Awan says that government has allocated 100 billion rupees for the implementation of Kamyab Jawan Programme. The allocated amount for the scheme would be increased for the next years, she says. She reiterates that youth aged between 18 to 35 years comprises 65 per cent of the population and WAKJP is to empower the youth.

She further asserted that the prime minister believes that youth is the backbone of the country as they cover up to 65 per cent share in the population. She is of the view that the youth programme will bring about an economic revolution.

Also See: Talal Chaudhary’s Sexist Remark About Firdous Ashiq Awan Irks People

Schemes under the Kamyab Jawan Programme

Renaissance of Quaid-e-Azam’s vision; A digital platform that enables an employment ecosystem for channelizing opportunities by integrating all stakeholders and connecting supply with demand through the automated process. #KamyabJawan


Several schemes will be introduced under Wazir-i-Azam Kamyab Jawan Programme and a national youth council has also been devised in this regard. Some of the schemes that fall under youth programme are youth economic development, Prime Minister’s green youth movement, PM start-up Pakistan, internship programme and Kamyab Naujawan employment exchange programme.

Dr Firdous says that a youth database would be established based on surveys conducted by educational institutes for Prime Minister’s employment exchange platform.

Women’s share in the programme

About 25 per cent of the soft loans will be given to the female youth, says Firdous Ashiq Awan. These loans will help women to establish their own businesses. This 25 per cent allocation will help the women to directly benefit from the programme to set up their own small commercial enterprises.

The new education policy initiative

Dr Firdous says that the new education policy is focused on providing quality education, equity in the curriculum. In this regard, the premier had tasked Higher Education Commission for bringing the maximum number of chapters (meeting the international standards) to Pakistan.

All you need to know

Eligibility Criteria

  • CNIC holder
  • Age: 21-45
  • Entrepreneurial potential:
    The applicant may apply for loans under this scheme only from the designated branch mapped with his/her area of residence/business

Security Requirements

  • One/Up to 03 Guarantor/s having cumulative income equal to 1.5 of the amount applied for under the scheme Personal/Blood relations can also give guarantee for a borrower.
  • A government servant of BPS-16 and above can also act as a guarantee.

    Focus on Women

  • 50% quota of women borrowers.

Debt-Equity Ratio

  • 90:10 with the tenor of up to 8 years (including 1 year grace period).  The borrower’s contribution of equity would be either in the form of cash or immovable property and will be required only after approval of the loan.
  • Permissible collaterals (business hypothecation)


  • 6% fixed for the borrower but the government will pay the difference of the cost at KIBOR+500 bps.

Sectoral Distribution of Loans

  • For the time being, there will be no limit on the maximum number of loans for any sector. Placement of ceilings can be considered subsequently keeping in view the importance of sectors and applications received for various sectors.

Size of Loan

  • Up to Rs. 20 Lacs

Geographical Distribution

  • The whole of Pakistan.
  • In the case of Balochistan, at least one branch of NBP will be designated per division
    All non-designated NBP branches will guide the borrowers to the nearest designated branch along with facilitation to receive and dispatch the application to the nearest designated branch if so requested by the borrower.


What do you think of Kamyab Jawan Programme? Will it help in solving the crisis of Pakistani youth? Leave your comments below.

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