Incentive Schemes for SMEs & Other Sectors
  Prime Minister's Kamyab Jawan Youth Entrepreneurship Scheme

Financing under PMKJ-YES is available for all citizen of Pakistan holding CNIC, aged between 21 and 45 years with entrepreneurial potential. For IT/E-Commerce related businesses, the lower age limit will be 18 years.

Above age limit condition is applicable on individual and sole proprietors. In case of all other forms of business including partnership and companies, only one of the owners, partners or directors must be in the age bracket prescribed above.
Financing is available for long term loan /working capital loan including Murabaha and leasing /financing of locally manufactured vehicles for commercial use. Only one vehicle per borrower is allowed.
Under PMKJ-YES, financing is segregated into three tiers. Under tier-1, loan limit is from Rs 100,000 upto Rs 1 million Under tier-2, loan limit is from above Rs 1 million and upto Rs 10 million and Under tier-3, loan limit is from above Rs 10 million and upto Rs 25 million.
For tier-1 loans, mark up rate is 3 percent, for tier-2 loans mark up rate is 4 percent and for tier-3, mark up rate is 5 percent.
Maximum loan tenor is upto 8 years including grace period of upto one year.
For new businesses, Debt-Equity ratio for tier-1 loans is 90:10 and for tier-2 and tier-3 loans is 80:20. For existing businesses, Debt-Equity ratio is Nil for all tiers. The borrower’s contribution of equity would be in the form of cash or immovable property and will be required after approval of the loan.
Tier-1 loans will be clean, however, only personal guarantee of the borrower is required. For tier-2 and tier-3 loans, security requirements is as per executing banks’ own credit policy. Vehicle financed under T1, T2 and T3 to serve as collateral.
Under the scheme, loan can be availed from commercial banks working as Executing Agencies (EAs). For the list of EAs, please click here.
For Frequently Asked Questions (FAQs), please click here.
For detailed features of the scheme, please click the following circulars issued from time to time:
IH&SMEFD Circular Letter No. 27 of 2020 dated October 01, 2020
IH&SMEFD Circular Letter No. 21 of 2020 dated July 10, 2020
IH&SMEFD Circular No. 08 of 2019 dated July 11, 2019
    SBP Policy Rate
    7.00% p.a.
    SBP Overnight
    Repo (Ceiling) Rate
    8.00% p.a.
    SBP Overnight
    Repo (Floor) Rate
    6.00% p.a.
    Overnight Weighted Average Repo Rate
    As on 25-Jan-21
    7.09% p.a.
    As on 26-Jan-21
    Tenor BID OFFER
    3-M 7.06 7.31
    6-M 7.10


    12-M 7.20 7.70

  • MTBs
    Tenor Rates
    3-M 7.1691%
    6-M 7.2002%
    12-M Bids rejected
    (as on Jan 13, 2021)

    PIBs (Fixed Rate)

    Tenor Rates
    3-Y 8.4999%
    5-Y 9.5298
    10-Y 9.9900
    15-Y Bids rejected
    20-Y Bids rejected
    30-Y No Bids
    (as on Jan 06, 2021)

    PIBs (Floating Rate Quarterly)

    Tenor Cut-off Price
    2-Y No Bids
    3-Y 99.0065
    5-Y No Bids
    10-Y Bids Rejected
    (as on Jan 13, 2021)
    GIS (FRR)
    Tenor Cut-off Rental Rate
    5-Y 9.45
    (as on Jan 14, 2021)
    GIS (VRR)
    Tenor Cut-off Price
    5-Y 100-0600
    (as on Jan 14, 2021)

  • MTB Auction


    PIB (Floating Rate) Auction
    PIB (Fixed Rate) Auction
    As on 15-Jan-21
    SBP’s Reserves
    Bank’s Reserves
    Total Reserves

    USD/PKR Rates
    As on 26-Jan-21
    Revaluation Rate
    Average Rate
    Bid: 160.4684
    Offer: 160.8317
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