PM Youth Loan Scheme: Eligibility and How to Apply
The PM Youth Loan Scheme (Prime Minister's Youth Business & Agriculture Loan Scheme) gives young Pakistanis bank loans to start or grow a business, in three tiers: the smallest tier is interest-free with a personal guarantee, and larger tiers carry low rates. You apply online on the official PM Youth Programme portal (pmyp.gov.pk), and a bank you choose processes the loan. It replaced the earlier Kamyab Jawan programme.
Browse dapxop marketplace
Sell on dapxop PakistanPM youth business loan: the three tiers
The scheme lends in three tiers. The exact limits and rates are set by the government and the State Bank and can change between phases — check the portal for the current figures.
| Tier | Loan size | Cost | Security |
|---|---|---|---|
| Tier 1 | Smallest loans | Interest-free | Personal guarantee |
| Tier 2 | Medium loans | Low fixed rate | As per the bank |
| Tier 3 | Largest loans | Low fixed rate | Collateral as per the bank |
PM youth business loan eligibility
The main conditions, as published for the scheme:
- Pakistani citizen with a valid CNIC.
- Within the scheme's age range (young adults; IT and e-commerce businesses have a lower minimum age).
- A business idea or an existing business (agriculture also qualifies).
- Not a government employee.
- Able to meet the bank's checks for the tier you apply for.
🔑 The key point
Age limits and equity requirements are set in the scheme rules, which can change. Confirm them on pmyp.gov.pk before you apply.
How to apply for PM youth loan scheme online
The application is online only.
- Go to the official PM Youth Programme portal at pmyp.gov.pk and open the business loan scheme.
- Register with your CNIC and mobile number.
- Fill in your personal details and your business plan.
- Choose your loan tier and preferred bank and branch.
- Pay the small processing fee shown on the portal, which covers CNIC verification.
- Submit and note your application number.
⚠️ Careful here
Apply only on pmyp.gov.pk. Nobody — no agent, WhatsApp number or website — can guarantee approval for a fee.
PM youth loan status check and tracking
After you apply, the bank you selected reviews your application and usually contacts you for an appraisal. You can track progress by logging in to the portal with your CNIC and application details. If you don't hear back, contact the branch you chose.
Writing a business plan the bank will like
The plan is where most applications succeed or fail. Keep it simple and honest.
- What you will sell and to whom.
- What it costs to make or buy, and your selling price.
- How many sales you expect each month, and why.
- What the loan will buy, item by item.
- How you will repay it from monthly profit.
Testing your idea first
Banks like to see proof that people will pay. Many bazaar shopkeepers and home-based makers now also sell online. Opening a shop on dapxop is free: you list your products, buyers order from anywhere in Pakistan, and dapxop arranges delivery. A few months of real sales makes your plan much stronger.
More options: Business Loan in Pakistan: Schemes and How to Apply · Asaan Karobar Finance and Card: How to Apply · Akhuwat Loan for Business: How to Apply.
Test your business idea with a free shop.
Open a free dapxop shop →Explore on dapxop
Shop from small sellers across Pakistan.
Frequently asked
What is the PM youth loan scheme?
It is the Prime Minister's Youth Business & Agriculture Loan Scheme, which offers bank loans in three tiers to young Pakistanis starting or growing a business.
How to apply for PM youth loan scheme online?
Register on the official portal pmyp.gov.pk with your CNIC, fill in your details and business plan, choose a tier and bank, pay the small processing fee and submit.
Is the PM youth loan interest-free?
The smallest tier is interest-free. The larger tiers carry low fixed rates.
Who is eligible for the PM youth business loan?
Pakistani citizens with a valid CNIC within the scheme's age range who have a business idea or existing business. Check pmyp.gov.pk for the current rules.
How do I check my PM youth loan status?
Log in to the portal to track your application, or contact the bank branch you selected.
Is Kamyab Jawan the same as the PM youth loan?
The Kamyab Jawan programme was the earlier version; the PM Youth Business & Agriculture Loan Scheme is the current scheme.