Government Scheme

Prime Minister's Kamyab Jawan Scheme at Bank of Khyber

Part of PakFinHub's BOK coverage — see the full bank overview.

• 3 Financing Tiers
• Up to Rs 25 Million

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

The Prime Minister's Kamyab Jawan Scheme is a federal government youth entrepreneurship program, and Bank of Khyber is one of the participating banks disbursing it. This page covers eligibility, the three loan tiers, pricing, and how the application actually routes through a government portal rather than a standard BOK loan form.

Scheme at a Glance

Age Limit

21–45 (18+ for IT/e-commerce)

Loan Tenor

Up to 8 years

Women's Quota

25% of loans reserved

Grace Period

Up to 1 year

Confirmed from BOK's official Prime Minister's Kamyab Jawan Scheme page (bok.com.pk). Last verified: August 2026.

Financing Tiers & Pricing

Loan types covered include long-term financing for machinery and equipment, working capital/running finance, and leasing for business-on-wheels — locally manufactured 2, 3, or 4-wheel vehicles used commercially.

Eligibility

Any CNIC holder, male or female, aged 21 to 45 with entrepreneurial potential qualifies — the age floor drops to 18 specifically for IT and e-commerce businesses, which also require at least a matriculation-level education. Small enterprises, both startups and existing businesses meeting SBP's small-enterprise definition and owned within these age brackets, also qualify. BOK reserves 25% of scheme lending for women borrowers.

Equity & Security

The borrower's equity contribution can be cash or immovable property, and is only required after loan approval. Security requirements scale with tier: Tier 1 loans need only the borrower's personal guarantee (clean, no collateral), while Tier 2 and Tier 3 follow BOK's own standard credit-security policy.

How to Apply

Applications don't start at a BOK branch — you apply directly through the government's Prime Minister Kamyab Jawan portal at kamyabjawan.gov.pk, in a simplified bilingual (English/Urdu) form. Processing takes no more than 30 days per BOK's published timeline. The form carries a non-refundable Rs 100 processing fee, which already includes the NADRA online CNIC verification cost. Once submitted through the portal, BOK's branch network handles disbursement and servicing for applications routed to it. Visit your nearest BOK branch if you have questions during the process, or use BOK's official contact channels.

Source: BOK's official Prime Minister's Kamyab Jawan Scheme page (bok.com.pk). Tier 1 processing fee cross-confirmed against BOK's Schedule of Bank Charges, Conventional Branches, July–December 2026. Last verified: August 2026.

Frequently Asked Questions

The equity contribution is only due after approval, not at the application stage, which is a common point of confusion — you don't need the cash or property in hand to apply, only once BOK confirms it will fund the loan.

Good For

• Youth entrepreneurs aged 21–45 (18+ for IT/e-commerce) seeking government-backed financing
• Understanding the three financing tiers and their pricing
• Knowing the application routes through a government portal, not a branch form
• Comparing against KKSP and BoK SAAF for the right fit

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