Interest-Free Financing
Loan is completely interest-free for 5 years — no hidden charges, no penalties. Repay yearly or in full at maturity.
OFFICIAL GOVERNMENT FINANCING INITIATIVE • 2026Ministry of FinanceGovernment of Pakistan
Kamyab Jawan /
Kamyab Rozgaar
Scheme 2026
LOAN AMOUNT
PKR 500,000 – PKR 20,000,000
5 Lakh – 2 Crore
This scheme is intended to facilitate eligible applicants in starting a new business, expanding an existing business, promoting self-employment, and creating employment opportunities.
Official government portal
Secure online application
For applicants across Pakistan
Interest-free • 5 years
MINIMUMPKR 500,000
MAXIMUMPKR 2 Crore
PKR 5 Lakh to 2 Crore
Financing from PKR 5,00,000 up to PKR 2,00,00,000 — for new businesses, expansions, self-employment, and job creation.
Apply Online — Anywhere in Pakistan
Submit your application through the official portal from any city, town, or village across all provinces of Pakistan.
ABOUT THE SCHEME
Financing for business,
work, and opportunity
Kamyab Jawan / Kamyab Rozgar Scheme 2026 is a government financing initiative intended to facilitate eligible applicants with access to financing for new businesses, existing business expansion, entrepreneurship, self-employment, and employment generation.
LOAN DETAILS
PKR 500,000 – PKR 20,000,000
The financing range of this scheme is 5 Lakh to 2 Crore.
LOAN AMOUNTPKR 500,000 – PKR 20,000,0005 Lakh – 2 Crore
PKR 500,000PKR 20,000,000
Categories, if any, will be applied as per the officially approved scheme notification.
Eligible applicants may apply within PKR 500,000 to PKR 20,000,000.
The loan is for 5 years. No interest / markup is charged.
This loan is given without any interest. You repay only the amount you receive.
Any processing or other fee will be charged only as officially prescribed.
Security or collateral, where required, will follow the approved scheme rules and the concerned bank’s policy.
APPLY FOR LOAN
Apply for Loan
Eligible applicants can submit their loan application online through the official portal.
Please keep clear copies/images of required documents ready before starting the application.
Apply NowAPPLICATION STATUS
Track Application
Enter your CNIC number below to check the status of your submitted loan application.
✓
APPLICATION STATUSCNIC: 37408-7845123-4
APPLICATION SUBMITTED — IN PROCESS
Your application has been successfully submitted. After verification and loan approval, you will be contacted on the mobile number you provided in the application form. Please keep your phone switched on.
آپ کی درخواست کامیابی سے جمع ہو گئی ہے۔ جانچ پڑتال اور قرض کی منظوری کے بعد آپ سے درخواست فارم میں دیے گئے موبائل نمبر پر رابطہ کیا جائے گا۔ آپ سے گزارش ہے کہ فون آن رکھیں۔
☎For assistance, call our helpline: 0800 114 400 (Toll Free)
PLANNING TOOL
Loan Repayment Calculator
This loan is interest-free for 5 years. Choose yearly instalments or full payment on maturity.
No penalty applies.
5-year repayment schedule
| Period | Instalment | Balance |
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Figures are estimates for planning. They are not an offer, sanction, or official repayment schedule.
WHO MAY APPLY
Eligibility
Complete eligibility will be confirmed against the official scheme guidelines at the time of application review. The points below follow the simple structure used on previous government youth-loan portals.
Applicant
The applicant should be eligible under the official scheme rules.
Citizenship / residency
The scheme is intended for eligible Pakistani applicants, as specified in the official guidelines.
New business
Eligible applicants may apply to start a new lawful business.
Existing business
Eligible applicants may apply to expand an existing business.
Business activity
The proposed activity should be lawful and consistent with scheme objectives.
Documentation
Upon approval, applicants will be informed to upload CNIC, business papers, tax filer documents, etc.
Age and other conditions
Age and any other conditions will apply exactly as notified in approved scheme documentation.
Review
Meeting the basic points does not guarantee financing. The competent authority will assess each application.
HOW TO APPLY
Applying Procedure
Follow these steps. The final workflow will follow the official application system.
Check Eligibility
Confirm that you meet the scheme requirements.
Apply Online
Start your application through the official portal.
Provide Required Information
Enter the applicant, business, and financial information required by the application.
Apply in 6 Easy Steps
Complete your application in 6 easy steps. Upon approval, eligible applicants will be informed to upload the required documents.
Review & Submit
Check the information carefully and submit your application.
Application Processing
Your application will proceed through the official review process.
Track Application
Use the official tracking facility to check your application status.
BEFORE YOU APPLY
What You Will Need to Fill the Application
No document uploads required. Simply have the following information ready before you start — the application is fully online in 6 easy steps.
Full Name
Your complete name as on your CNIC.
CNIC Number
Your 13-digit National Identity Card number (XXXXX-XXXXXXX-X).
Mobile Number
Your active registered mobile number for OTP verification.
Date of Birth & Province
Your date of birth and the province you reside in.
Bank Account Details
Your bank name, account number, and current bank balance.
PURPOSE OF THE SCHEME
Key Benefits
The scheme is intended to support entrepreneurship, employment, and business growth.
Business Financing
Access to financing from PKR 500,000 to PKR 20,000,000 for eligible applicants.
Entrepreneurship
Support for people who want to start or grow a lawful business.
Self-Employment
A government pathway to create one’s own source of livelihood.
Employment Generation
Business activity that can create jobs in cities, towns, and villages.
SME Development
Support for small and medium enterprise growth.
Business Expansion
Room for existing businesses to expand where eligible.
Financial Inclusion
An official channel for applicants across Pakistan, including communities outside major cities.
Digital Application
Apply online and track the application through the official portal.
ACROSS PAKISTAN
Opportunity in villages, towns, and cities
The portal is designed to show that the scheme can support people and businesses across Pakistan — including rural communities, farms, workshops, and local markets.
LEADERSHIP
Our Vision
MUHAMMAD SHEHBAZ SHARIFA Pakistan where young people and working families can start a business, find dignified work, and help the country grow. This scheme is intended to support entrepreneurship, self-employment, employment, and prosperity in every province.
General government messaging. No unofficial quotation is attributed to any office-holder.
HELP
Frequently Asked Questions
Who can apply?
Eligible applicants who meet the official scheme requirements may apply. Full eligibility is confirmed during official review.
What is the minimum and maximum loan amount?
The financing range is PKR 500,000 to PKR 20,000,000 (5 Lakh – 2 Crore).
Can I apply online?
Yes. Eligible applicants can submit their loan application online through the official portal.
What documents are required?
Have clear copies/images ready, including CNIC and other papers asked on the official application. The exact list is as required by the scheme.
Can I apply for a new business?
Yes. The scheme is intended to facilitate eligible applicants in starting a new business.
Can an existing business apply?
Yes. The scheme is also intended to facilitate expansion of an existing business.
How can I track my application?
Use the Track Application option on this portal. The tracking process will follow the official project facility.
How long does the application process take?
Processing time depends on completeness of the application and the official review process. Please use tracking for status updates.
How is the loan repaid? Is there interest or a penalty?
The loan is interest-free for 5 years. You may pay an instalment at the end of each year, or pay the full amount on maturity after 5 years. No penalty is charged.
Where can I get assistance?
Use the Contact section of this portal and the official channels notified by the Ministry of Finance / concerned office.
ASSISTANCE
Contact
For official information about this scheme, use government channels.
Ministry of Finance
Government of Pakistan
Official website: finance.gov.pk
☎
HELPLINE (TOLL FREE)0800 114 400
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ADDRESSQ-Block, Pak Secretariat, Islamabad
Ready to Start Your Journey?
If you are eligible, apply online for financing to start or grow a business and create opportunity.