PM KAMYAB JAWAN PROGRAM 2019-20 YOUTH LOAN SCHEME
𝐒𝐭𝐚𝐭𝐞 𝐁𝐚𝐧𝐤 𝐈𝐬𝐬𝐮𝐞𝐬 𝐄𝐥𝐢𝐠𝐢𝐛𝐢𝐥𝐢𝐭𝐲 𝐂𝐫𝐢𝐭𝐞𝐫𝐢𝐚 𝐟𝐨𝐫 𝐏𝐌’𝐬 𝐒𝐌𝐄 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐏𝐫𝐨𝐠𝐫𝐚𝐦
𝐓𝐡𝐞 𝐒𝐭𝐚𝐭𝐞 𝐁𝐚𝐧𝐤 𝐨𝐟 𝐏𝐚𝐤𝐢𝐬𝐭𝐚𝐧 𝐢𝐬𝐬𝐮𝐞𝐝 𝐝𝐞𝐭𝐚𝐢𝐥𝐬 𝐨𝐧 𝐓𝐡𝐮𝐫𝐬𝐝𝐚𝐲 𝐨𝐧 𝐞𝐥𝐢𝐠𝐢𝐛𝐢𝐥𝐢𝐭𝐲 𝐜𝐫𝐢𝐭𝐞𝐫𝐢𝐚, 𝐥𝐨𝐚𝐧 𝐬𝐢𝐳𝐞 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐝𝐞𝐛𝐭 / 𝐞𝐪𝐮𝐢𝐭𝐲 𝐫𝐚𝐭𝐢𝐨 𝐨𝐟 𝐭𝐡𝐞 𝐊𝐚𝐦𝐲𝐚𝐛 𝐉𝐚𝐰𝐚𝐧 𝐒𝐌𝐄 𝐋𝐨𝐚𝐧 𝐏𝐫𝐨𝐠𝐫𝐚𝐦 𝐥𝐚𝐮𝐧𝐜𝐡𝐞𝐝 𝐛𝐲 𝐭𝐡𝐞 𝐠𝐨𝐯𝐞𝐫𝐧𝐦𝐞𝐧𝐭 𝐨𝐟 𝐏𝐫𝐢𝐦𝐞 𝐌𝐢𝐧𝐢𝐬𝐭𝐞𝐫 𝐈𝐦𝐫𝐚𝐧 𝐊𝐡𝐚𝐧.
𝐈𝐧 𝐨𝐫𝐝𝐞𝐫 𝐭𝐨 𝐩𝐫𝐨𝐯𝐢𝐝𝐞 𝐬𝐞𝐥𝐟-𝐞𝐦𝐩𝐥𝐨𝐲𝐦𝐞𝐧𝐭 𝐨𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐢𝐞𝐬 𝐭𝐨 𝐮𝐧𝐞𝐦𝐩𝐥𝐨𝐲𝐞𝐝 𝐲𝐨𝐮𝐭𝐡, 𝐭𝐡𝐞 𝐠𝐨𝐯𝐞𝐫𝐧𝐦𝐞𝐧𝐭 𝐰𝐨𝐮𝐥𝐝 𝐠𝐫𝐚𝐧𝐭 𝐚 𝐩𝐫𝐨𝐟𝐢𝐭 𝐦𝐚𝐫𝐠𝐢𝐧 𝐚𝐧𝐝 𝐚 𝐜𝐫𝐞𝐝𝐢𝐭 𝐥𝐨𝐬𝐬 𝐬𝐮𝐛𝐬𝐢𝐝𝐲 𝐟𝐨𝐫 𝐬𝐦𝐚𝐥𝐥 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐥𝐨𝐚𝐧𝐬 𝐢𝐧 𝐭𝐡𝐞 𝐫𝐚𝐧𝐠𝐞 𝐨𝐟 𝐑𝐬𝟏𝟎𝟎,𝟎𝟎𝟎 𝐭𝐨 𝐑𝐬𝟓,𝟎𝟎𝟎,𝟎𝟎𝟎 𝐝𝐢𝐬𝐛𝐮𝐫𝐬𝐞𝐝 𝐛𝐲 𝐭𝐡𝐞 𝐛𝐚𝐧𝐤𝐬 𝐮𝐧𝐝𝐞𝐫 𝐭𝐡𝐞 𝐩𝐫𝐨𝐠𝐫𝐚𝐦, 𝐭𝐡𝐞 𝐒𝐭𝐚𝐭𝐞 𝐁𝐚𝐧𝐤 𝐨𝐟 𝐏𝐚𝐤𝐢𝐬𝐭𝐚𝐧. (𝐒𝐁𝐏) 𝐬𝐚𝐢𝐝 𝐢𝐧 𝐚 𝐜𝐢𝐫𝐜𝐮𝐥𝐚𝐫
𝙏𝙝𝙚 𝙚𝙡𝙞𝙜𝙞𝙗𝙞𝙡𝙞𝙩𝙮 𝙘𝙧𝙞𝙩𝙚𝙧𝙞𝙖, 𝙖𝙨 𝙖𝙥𝙥𝙧𝙤𝙫𝙚𝙙 𝙗𝙮 𝙩𝙝𝙚 𝙥𝙧𝙞𝙢𝙚 𝙢𝙞𝙣𝙞𝙨𝙩𝙚𝙧, 𝙞𝙣𝙘𝙡𝙪𝙙𝙚 𝙖𝙡𝙡 𝙢𝙚𝙣 𝙖𝙣𝙙 𝙬𝙤𝙢𝙚𝙣, 𝙖𝙜𝙚𝙙 𝙗𝙚𝙩𝙬𝙚𝙚𝙣 21 𝙖𝙣𝙙 45 𝙮𝙚𝙖𝙧𝙨 𝙤𝙡𝙙, 𝙬𝙝𝙤 𝙝𝙖𝙫𝙚 𝙖 𝙣𝙖𝙩𝙞𝙤𝙣𝙖𝙡 𝙘𝙤𝙢𝙥𝙪𝙩𝙚𝙧𝙞𝙯𝙚𝙙 𝙞𝙙𝙚𝙣𝙩𝙞𝙩𝙮 𝙘𝙖𝙧𝙙. 𝙃𝙤𝙬𝙚𝙫𝙚𝙧, 𝙝𝙚 𝙨𝙖𝙞𝙙 𝙩𝙝𝙖𝙩 𝙩𝙝𝙚 𝙡𝙤𝙬𝙚𝙧 𝙖𝙜𝙚 𝙡𝙞𝙢𝙞𝙩 𝙬𝙤𝙪𝙡𝙙 𝙗𝙚 18 𝙮𝙚𝙖𝙧𝙨 𝙛𝙤𝙧 𝙘𝙤𝙢𝙥𝙖𝙣𝙞𝙚𝙨 𝙧𝙚𝙡𝙖𝙩𝙚𝙙 𝙩𝙤 𝙄𝙏 𝙖𝙣𝙙 𝙚-𝙘𝙤𝙢𝙢𝙚𝙧𝙘𝙚. “𝙎𝙢𝙖𝙡𝙡 𝙗𝙪𝙨𝙞𝙣𝙚𝙨𝙨𝙚𝙨 (𝙣𝙚𝙬 𝙗𝙪𝙨𝙞𝙣𝙚𝙨𝙨𝙚𝙨 𝙖𝙣𝙙 𝙚𝙭𝙞𝙨𝙩𝙞𝙣𝙜 𝙗𝙪𝙨𝙞𝙣𝙚𝙨𝙨𝙚𝙨) 𝙖𝙨 𝙙𝙚𝙛𝙞𝙣𝙚𝙙 𝙗𝙮 𝙎𝘽𝙋 𝙖𝙣𝙙 𝙤𝙬𝙣𝙚𝙙 𝙗𝙮 𝙮𝙤𝙪𝙩𝙝 𝙖𝙘𝙘𝙤𝙧𝙙𝙞𝙣𝙜 𝙩𝙤 𝙩𝙝𝙚 𝙖𝙜𝙚 𝙜𝙧𝙤𝙪𝙥𝙨 𝙢𝙚𝙣𝙩𝙞𝙤𝙣𝙚𝙙 𝙖𝙗𝙤𝙫𝙚 𝙖𝙧𝙚 𝙖𝙡𝙨𝙤 𝙚𝙡𝙞𝙜𝙞𝙗𝙡𝙚.”
𝘼𝙩 𝙡𝙚𝙖𝙨𝙩 25 𝙥𝙚𝙧𝙘𝙚𝙣𝙩 𝙤𝙛 𝙩𝙝𝙚 𝙡𝙤𝙖𝙣𝙨 𝙬𝙤𝙪𝙡𝙙 𝙜𝙤 𝙩𝙤 𝙩𝙝𝙚 𝙗𝙤𝙧𝙧𝙤𝙬𝙚𝙧𝙨.
𝐇𝐞 𝐚𝐥𝐬𝐨 𝐬𝐭𝐚𝐭𝐞𝐝 𝐭𝐡𝐚𝐭 𝐭𝐡𝐞 𝐦𝐢𝐧𝐢𝐦𝐮𝐦 𝐞𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐫𝐞𝐪𝐮𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐟𝐨𝐫 𝐜𝐨𝐦𝐩𝐚𝐧𝐢𝐞𝐬 𝐫𝐞𝐥𝐚𝐭𝐞𝐝 𝐭𝐨 𝐈𝐓 / 𝐞-𝐜𝐨𝐦𝐦𝐞𝐫𝐜𝐞 𝐰𝐚𝐬 𝐭𝐮𝐢𝐭𝐢𝐨𝐧 𝐚𝐧𝐝 / 𝐨𝐫 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 𝐨𝐟 𝐚𝐭 𝐥𝐞𝐚𝐬𝐭 𝐬𝐢𝐱 𝐦𝐨𝐧𝐭𝐡𝐬.
𝐒𝐦𝐚𝐥𝐥 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬𝐞𝐬 𝐬𝐭𝐢𝐦𝐮𝐥𝐚𝐭𝐞 𝐞𝐜𝐨𝐧𝐨𝐦𝐢𝐜 𝐠𝐫𝐨𝐰𝐭𝐡 𝐛𝐲 𝐩𝐫𝐨𝐯𝐢𝐝𝐢𝐧𝐠 𝐞𝐦𝐩𝐥𝐨𝐲𝐦𝐞𝐧𝐭 𝐨𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐢𝐞𝐬, 𝐟𝐨𝐬𝐭𝐞𝐫𝐢𝐧𝐠 𝐢𝐧𝐧𝐨𝐯𝐚𝐭𝐢𝐨𝐧 𝐚𝐧𝐝 𝐫𝐞𝐝𝐮𝐜𝐢𝐧𝐠 𝐢𝐧𝐜𝐨𝐦𝐞 𝐢𝐧𝐞𝐪𝐮𝐚𝐥𝐢𝐭𝐢𝐞𝐬. 𝐓𝐡𝐞 𝐥𝐚𝐜𝐤 𝐨𝐟 𝐚𝐝𝐞𝐪𝐮𝐚𝐭𝐞 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐫𝐞𝐬𝐨𝐮𝐫𝐜𝐞𝐬 𝐟𝐫𝐨𝐦 𝐟𝐨𝐫𝐦𝐚𝐥 𝐬𝐨𝐮𝐫𝐜𝐞𝐬 𝐰𝐚𝐬 𝐨𝐧𝐞 𝐨𝐟 𝐭𝐡𝐞 𝐤𝐞𝐲 𝐜𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞𝐬 𝐟𝐚𝐜𝐢𝐧𝐠 𝐬𝐦𝐚𝐥𝐥 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬𝐞𝐬 𝐚𝐧𝐝 𝐲𝐨𝐮𝐧𝐠 𝐞𝐧𝐭𝐫𝐞𝐩𝐫𝐞𝐧𝐞𝐮𝐫𝐬, 𝐭𝐡𝐞 𝐒𝐁𝐏 𝐬𝐚𝐢𝐝. 𝐓𝐡𝐞𝐫𝐞𝐟𝐨𝐫𝐞, 𝐡𝐞 𝐬𝐚𝐢𝐝 𝐭𝐡𝐚𝐭 𝐭𝐡𝐞 𝐬𝐢𝐳𝐞 𝐨𝐟 𝐭𝐡𝐞 𝐥𝐨𝐚𝐧 𝐡𝐚𝐬 𝐛𝐞𝐞𝐧 𝐬𝐞𝐠𝐫𝐞𝐠𝐚𝐭𝐞𝐝 𝐢𝐧𝐭𝐨 𝐭𝐰𝐨 𝐥𝐞𝐯𝐞𝐥𝐬. 𝐓𝐢𝐞𝐫𝟏 𝐰𝐨𝐮𝐥𝐝 𝐢𝐧𝐜𝐥𝐮𝐝𝐞 𝐥𝐨𝐚𝐧𝐬 𝐨𝐟 𝐑𝐬𝟏𝟎𝟎,𝟎𝟎𝟎 𝐭𝐨 𝐑𝐬𝟎.𝟓 𝐦𝐢𝐥𝐥𝐢𝐨𝐧, 𝐰𝐡𝐢𝐥𝐞 𝐓𝐢𝐞𝐫𝟐 𝐥𝐨𝐚𝐧𝐬 𝐰𝐨𝐮𝐥𝐝 𝐛𝐞 𝐚𝐛𝐨𝐯𝐞 𝐑𝐬𝟎.𝟓 𝐦𝐢𝐥𝐥𝐢𝐨𝐧 𝐚𝐧𝐝 𝐮𝐩 𝐭𝐨 𝐑𝐬𝟓 𝐦𝐢𝐥𝐥𝐢𝐨𝐧, 𝐡𝐞 𝐬𝐚𝐢𝐝.
𝐓𝐡𝐞 𝐫𝐚𝐭𝐞𝐬 𝐰𝐨𝐮𝐥𝐝 𝐛𝐞 𝐰𝐨𝐫𝐤𝐢𝐧𝐠 𝐜𝐚𝐩𝐢𝐭𝐚𝐥 𝐥𝐨𝐚𝐧𝐬 𝐚𝐧𝐝 𝐭𝐞𝐫𝐦 𝐥𝐨𝐚𝐧𝐬, 𝐰𝐢𝐭𝐡 𝐭𝐞𝐫𝐦𝐬 𝐨𝐟 𝐮𝐩 𝐭𝐨 𝐞𝐢𝐠𝐡𝐭 𝐲𝐞𝐚𝐫𝐬 𝐰𝐢𝐭𝐡 𝐚 𝐦𝐚𝐱𝐢𝐦𝐮𝐦 𝐠𝐫𝐚𝐜𝐞 𝐩𝐞𝐫𝐢𝐨𝐝 𝐨𝐟 𝐮𝐩 𝐭𝐨 𝐨𝐧𝐞 𝐲𝐞𝐚𝐫.
𝐀𝐜𝐜𝐨𝐫𝐝𝐢𝐧𝐠 𝐭𝐨 𝐭𝐡𝐞 𝐒𝐁𝐏 𝐜𝐢𝐫𝐜𝐮𝐥𝐚𝐫, 𝐮𝐧𝐝𝐞𝐫 𝐭𝐡𝐞 𝐩𝐫𝐨𝐠𝐫𝐚𝐦, 𝐭𝐡𝐞 𝐛𝐨𝐫𝐫𝐨𝐰𝐞𝐫’𝐬 𝐜𝐚𝐩𝐢𝐭𝐚𝐥 𝐜𝐨𝐧𝐭𝐫𝐢𝐛𝐮𝐭𝐢𝐨𝐧 𝐰𝐨𝐮𝐥𝐝 𝐛𝐞 𝐢𝐧 𝐜𝐚𝐬𝐡 𝐨𝐫 𝐫𝐞𝐚𝐥 𝐞𝐬𝐭𝐚𝐭𝐞, 𝐚𝐧𝐝 𝐰𝐨𝐮𝐥𝐝 𝐛𝐞 𝐫𝐞𝐪𝐮𝐢𝐫𝐞𝐝 𝐚𝐟𝐭𝐞𝐫 𝐥𝐨𝐚𝐧 𝐚𝐩𝐩𝐫𝐨𝐯𝐚𝐥. 𝐈𝐭 𝐰𝐨𝐮𝐥𝐝 𝐛𝐞 𝟗𝟎:𝟏𝟎 𝐟𝐨𝐫 𝐓𝐢𝐞𝐫𝟏 𝐥𝐨𝐚𝐧𝐬 𝐚𝐧𝐝 𝟖𝟎:𝟐𝟎 𝐟𝐨𝐫 𝐓𝐢𝐞𝐫𝟐 𝐥𝐨𝐚𝐧𝐬.
𝐓𝐡𝐞 𝐬𝐞𝐜𝐮𝐫𝐢𝐭𝐲 𝐫𝐞𝐪𝐮𝐢𝐫𝐞𝐦𝐞𝐧𝐭𝐬 𝐟𝐨𝐫 𝐋𝐞𝐯𝐞𝐥 𝟏 𝐥𝐨𝐚𝐧𝐬 𝐰𝐨𝐮𝐥𝐝 𝐛𝐞 𝐜𝐥𝐞𝐚𝐧, 𝐰𝐢𝐭𝐡 𝐨𝐧𝐥𝐲 𝐚 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐠𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞 𝐟𝐫𝐨𝐦 𝐭𝐡𝐞 𝐛𝐨𝐫𝐫𝐨𝐰𝐞𝐫, 𝐰𝐡𝐢𝐥𝐞 𝐟𝐨𝐫 𝐋𝐞𝐯𝐞𝐥 𝟐 𝐥𝐨𝐚𝐧𝐬 𝐰𝐨𝐮𝐥𝐝 𝐛𝐞 𝐢𝐧 𝐚𝐜𝐜𝐨𝐫𝐝𝐚𝐧𝐜𝐞 𝐰𝐢𝐭𝐡 𝐭𝐡𝐞 𝐛𝐚𝐧𝐤’𝐬 𝐜𝐫𝐞𝐝𝐢𝐭 𝐩𝐨𝐥𝐢𝐜𝐲, 𝐒𝐁𝐏 𝐜𝐢𝐫𝐜𝐮𝐥𝐚𝐫 𝐬𝐚𝐢𝐝.
𝐓𝐨 𝐦𝐢𝐭𝐢𝐠𝐚𝐭𝐞 𝐭𝐡𝐞 𝐫𝐢𝐬𝐤, 𝐭𝐡𝐞 𝐩𝐫𝐢𝐦𝐞 𝐦𝐢𝐧𝐢𝐬𝐭𝐞𝐫 𝐚𝐩𝐩𝐫𝐨𝐯𝐞𝐝 𝐭𝐡𝐚𝐭 𝐭𝐡𝐞 𝐠𝐨𝐯𝐞𝐫𝐧𝐦𝐞𝐧𝐭 𝐰𝐨𝐮𝐥𝐝 𝐩𝐚𝐲 𝐭𝐡𝐞 𝐜𝐫𝐞𝐝𝐢𝐭 𝐥𝐨𝐬𝐬𝐞𝐬 𝐨𝐟 𝐭𝐡𝐞 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐭𝐡𝐞 𝐜𝐚𝐩𝐢𝐭𝐚𝐥 𝐨𝐧𝐥𝐲 𝐢𝐧 𝐭𝐡𝐞 𝐝𝐢𝐬𝐛𝐮𝐫𝐬𝐞𝐝 𝐩𝐨𝐫𝐭𝐟𝐨𝐥𝐢𝐨 𝐨𝐟 𝐭𝐡𝐞 𝐛𝐚𝐧𝐤𝐬 𝐰𝐢𝐭𝐡 𝐮𝐩 𝐭𝐨 𝟓𝟎 𝐩𝐞𝐫𝐜𝐞𝐧𝐭 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐥𝐨𝐚𝐧𝐬 𝐨𝐟 𝐋𝐞𝐯𝐞𝐥 𝟏 𝐚𝐧𝐝 𝐮𝐩 𝐭𝐨 𝟏𝟎 𝐩𝐞𝐫𝐜𝐞𝐧𝐭 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐥𝐨𝐚𝐧𝐬 𝐨𝐟 𝐋𝐞𝐯𝐞𝐥 𝟐.
𝐓𝐡𝐞 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐃𝐢𝐯𝐢𝐬𝐢𝐨𝐧 𝐦𝐮𝐬𝐭 𝐚𝐥𝐥𝐨𝐜𝐚𝐭𝐞 𝐟𝐮𝐧𝐝𝐬 𝐢𝐧 𝐭𝐡𝐞 𝐛𝐮𝐝𝐠𝐞𝐭 𝐨𝐟 𝐞𝐚𝐜𝐡 𝐟𝐢𝐬𝐜𝐚𝐥 𝐲𝐞𝐚𝐫 𝐚𝐜𝐜𝐨𝐫𝐝𝐢𝐧𝐠 𝐭𝐨 𝐭𝐡𝐞 𝐞𝐬𝐭𝐢𝐦𝐚𝐭𝐞𝐬 𝐩𝐫𝐨𝐯𝐢𝐝𝐞𝐝 𝐛𝐲 𝐭𝐡𝐞 𝐒𝐁𝐏, 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐦𝐚𝐝𝐞 𝐰𝐡𝐞𝐧 𝐩𝐫𝐞𝐬𝐞𝐧𝐭𝐢𝐧𝐠 𝐭𝐡𝐞 𝐜𝐨𝐧𝐬𝐨𝐥𝐢𝐝𝐚𝐭𝐞𝐝 𝐜𝐥𝐚𝐢𝐦𝐬 𝐨𝐟 𝐚𝐥𝐥 𝐭𝐡𝐞 𝐛𝐚𝐧𝐤𝐬 𝐛𝐲 𝐭𝐡𝐞 𝐒𝐁𝐏.
𝙰𝚌𝚌𝚘𝚛𝚍𝚒𝚗𝚐 𝚝𝚘 𝚝𝚑𝚎 𝚙𝚛𝚒𝚌𝚎 𝚏𝚘𝚛 𝚠𝚘𝚛𝚔𝚒𝚗𝚐 𝚌𝚊𝚙𝚒𝚝𝚊𝚕 𝚊𝚗𝚍 𝚝𝚎𝚛𝚖 𝚕𝚘𝚊𝚗𝚜, 𝚝𝚑𝚎 𝚂𝙱𝙿 𝚗𝚘𝚝𝚒𝚏𝚒𝚎𝚍 𝚊 𝚛𝚊𝚝𝚎 𝚘𝚏 𝚜𝚒𝚡 𝚙𝚎𝚛𝚌𝚎𝚗𝚝 𝚙𝚎𝚛 𝚊𝚗𝚗𝚞𝚖 𝚏𝚘𝚛 𝚋𝚘𝚛𝚛𝚘𝚠𝚎𝚛𝚜 𝚘𝚏 𝚃𝚒𝚎𝚛𝟷 𝚕𝚘𝚊𝚗𝚜, 𝚠𝚑𝚒𝚕𝚎 𝚝𝚑𝚎 𝚐𝚘𝚟𝚎𝚛𝚗𝚖𝚎𝚗𝚝 𝚠𝚘𝚞𝚕𝚍 𝚙𝚊𝚢 𝚝𝚑𝚎 𝚍𝚒𝚏𝚏𝚎𝚛𝚎𝚗𝚌𝚎 𝚒𝚗 𝚌𝚘𝚜𝚝 𝚝𝚘 𝚒𝚗𝚝𝚎𝚛𝚋𝚊𝚗𝚔 𝚒𝚗𝚝𝚎𝚛𝚎𝚜𝚝 𝚛𝚊𝚝𝚎𝚜 𝚒𝚗 𝙺𝚊𝚛𝚊𝚌𝚑𝚒 (𝙺𝙸𝙱𝙾𝚁). ) 𝚙𝚕𝚞𝚜 𝟻𝟶𝟶 𝚋𝚊𝚜𝚒𝚜 𝚙𝚘𝚒𝚗𝚝𝚜 (𝙱𝙿).
𝙵𝚘𝚛 𝙻𝚎𝚟𝚎𝚕 𝟸, 𝚒𝚝 𝚠𝚘𝚞𝚕𝚍 𝚋𝚎 𝚜𝚎𝚝 𝚊𝚝 𝟾 𝚙𝚎𝚛𝚌𝚎𝚗𝚝 𝚙𝚎𝚛 𝚢𝚎𝚊𝚛 𝚏𝚘𝚛 𝚝𝚑𝚎 𝚋𝚘𝚛𝚛𝚘𝚠𝚎𝚛, 𝚠𝚑𝚒𝚕𝚎 𝚝𝚑𝚎 𝚐𝚘𝚟𝚎𝚛𝚗𝚖𝚎𝚗𝚝 𝚠𝚘𝚞𝚕𝚍 𝚙𝚊𝚢 𝚝𝚑𝚎 𝚍𝚒𝚏𝚏𝚎𝚛𝚎𝚗𝚌𝚎 𝚒𝚗 𝚌𝚘𝚜𝚝 𝚊𝚝 𝙺𝙸𝙱𝙾𝚁 𝚙𝚕𝚞𝚜 𝟺𝟶𝟶 𝚋𝚊𝚜𝚒𝚜 𝚙𝚘𝚒𝚗𝚝𝚜 (𝙱𝙿).
“𝙸𝚗 𝚝𝚑𝚎 𝚏𝚒𝚛𝚜𝚝 𝚒𝚗𝚜𝚝𝚊𝚗𝚌𝚎, 𝚝𝚑𝚎 𝙽𝚊𝚝𝚒𝚘𝚗𝚊𝚕 𝙱𝚊𝚗𝚔 𝚘𝚏 𝙿𝚊𝚔𝚒𝚜𝚝𝚊𝚗 (𝙽𝙱𝙿), 𝚝𝚑𝚎 𝙱𝚊𝚗𝚔 𝚘𝚏 𝙿𝚞𝚗𝚓𝚊𝚋 (𝙱𝚘𝙿) 𝚊𝚗𝚍 𝚝𝚑𝚎 𝙱𝚊𝚗𝚔 𝚘𝚏 𝙺𝚑𝚢𝚋𝚎𝚛 𝚠𝚒𝚕𝚕 𝚎𝚡𝚎𝚌𝚞𝚝𝚎 𝚝𝚑𝚎 𝚙𝚛𝚘𝚐𝚛𝚊𝚖 𝚞𝚗𝚍𝚎𝚛 𝚝𝚑𝚎 𝚍𝚒𝚛𝚎𝚌𝚝𝚒𝚘𝚗 𝚊𝚗𝚍 𝚜𝚞𝚙𝚎𝚛𝚟𝚒𝚜𝚒𝚘𝚗 𝚘𝚏 𝚝𝚑𝚎 𝚂𝚝𝚊𝚝𝚎 𝙱𝚊𝚗𝚔 𝚘𝚏 𝙿𝚊𝚔𝚒𝚜𝚝𝚊𝚗. 𝚂𝚞𝚋𝚜𝚎𝚚𝚞𝚎𝚗𝚝𝚕𝚢, 𝚂𝙱𝙿 𝚠𝚒𝚕𝚕 𝚊𝚕𝚜𝚘 𝚊𝚍𝚟𝚒𝚜𝚎 𝚘𝚝𝚑𝚎𝚛 𝚌𝚘𝚖𝚖𝚎𝚛𝚌𝚒𝚊𝚕 𝚋𝚊𝚗𝚔𝚜 𝚝𝚘 𝚙𝚊𝚛𝚝𝚒𝚌𝚒𝚙𝚊𝚝𝚎 𝚒𝚗 𝚝𝚑𝚎 𝚙𝚛𝚘𝚐𝚛𝚊𝚖. “𝙽𝙱𝙿 𝚠𝚒𝚕𝚕 𝚌𝚘𝚗𝚝𝚒𝚗𝚞𝚎 𝚝𝚘 𝚙𝚕𝚊𝚢 𝚝𝚑𝚎 𝚕𝚎𝚊𝚍𝚒𝚗𝚐 𝚛𝚘𝚕𝚎, 𝚠𝚒𝚝𝚑 𝚊 𝚙𝚊𝚛𝚝𝚒𝚌𝚒𝚙𝚊𝚝𝚒𝚘𝚗 𝚘𝚏 𝚞𝚙 𝚝𝚘 𝟻𝟶 𝚙𝚎𝚛𝚌𝚎𝚗𝚝 𝚒𝚗 𝚝𝚘𝚝𝚊𝚕 𝚕𝚘𝚊𝚗𝚜 𝚍𝚒𝚜𝚋𝚞𝚛𝚜𝚎𝚍, 𝚜𝚊𝚒𝚍 𝚝𝚑𝚎 𝚂𝙱𝙿 𝚘𝚗 𝚝𝚑𝚎 𝚎𝚡𝚎𝚌𝚞𝚝𝚒𝚗𝚐 𝚊𝚐𝚎𝚗𝚌𝚢.
𝚃𝚑𝚎 𝚂𝙱𝙿 𝚜𝚊𝚒𝚍 𝚝𝚑𝚊𝚝 𝚊𝚕𝚕 𝚜𝚝𝚊𝚗𝚍𝚊𝚛𝚍𝚒𝚣𝚎𝚍 𝚜𝚌𝚑𝚎𝚖𝚎𝚜 / 𝚙𝚛𝚘𝚓𝚎𝚌𝚝𝚜 / 𝚌𝚘𝚖𝚖𝚒𝚝𝚖𝚎𝚗𝚝𝚜 𝚍𝚎𝚜𝚒𝚐𝚗𝚎𝚍 𝚋𝚢 𝚂𝙼𝙴𝙳𝙰, 𝚘𝚛 𝚙𝚛𝚘𝚓𝚎𝚌𝚝𝚜 𝚍𝚎𝚜𝚒𝚐𝚗𝚎𝚍 𝚋𝚢 𝚙𝚛𝚒𝚟𝚊𝚝𝚎 𝚜𝚎𝚌𝚝𝚘𝚛 𝚜𝚎𝚛𝚟𝚒𝚌𝚎 𝚙𝚛𝚘𝚟𝚒𝚍𝚎𝚛𝚜 𝚘𝚛 𝚋𝚢 𝚝𝚑𝚎 𝚜𝚊𝚖𝚎 𝚒𝚗𝚍𝚒𝚟𝚒𝚍𝚞𝚊𝚕𝚜 𝚠𝚘𝚞𝚕𝚍 𝚊𝚕𝚜𝚘 𝚋𝚎 𝚎𝚕𝚒𝚐𝚒𝚋𝚕𝚎.
“𝚃𝚑𝚎 𝚏𝚘𝚛𝚖 𝚠𝚘𝚞𝚕𝚍 𝚋𝚎 𝚒𝚗 𝚋𝚘𝚝𝚑 𝙴𝚗𝚐𝚕𝚒𝚜𝚑 𝚊𝚗𝚍 𝚄𝚛𝚍𝚞 𝚊𝚗𝚍 𝚠𝚘𝚞𝚕𝚍 𝚛𝚎𝚚𝚞𝚒𝚛𝚎 𝚖𝚒𝚗𝚒𝚖𝚊𝚕 𝚎𝚜𝚜𝚎𝚗𝚝𝚒𝚊𝚕 𝚒𝚗𝚏𝚘𝚛𝚖𝚊𝚝𝚒𝚘𝚗 𝚒𝚗 𝚊 𝚜𝚒𝚖𝚙𝚕𝚎 𝚏𝚘𝚛𝚖𝚊𝚝. 𝚃𝚑𝚎 𝚙𝚛𝚘𝚌𝚎𝚜𝚜𝚒𝚗𝚐 𝚝𝚒𝚖𝚎 𝚠𝚒𝚕𝚕 𝚗𝚘𝚝 𝚎𝚡𝚌𝚎𝚎𝚍 𝟷𝟻 𝚍𝚊𝚢𝚜 𝚊𝚗𝚍 𝚠𝚒𝚕𝚕 𝚋𝚎 𝚌𝚕𝚎𝚊𝚛𝚕𝚢 𝚒𝚗𝚍𝚒𝚌𝚊𝚝𝚎𝚍 𝚘𝚗 𝚝𝚑𝚎 𝚊𝚙𝚙𝚕𝚒𝚌𝚊𝚝𝚒𝚘𝚗 𝚏𝚘𝚛𝚖. 𝚃𝚑𝚎 𝚏𝚘𝚛𝚖𝚜 𝚠𝚒𝚕𝚕 𝚋𝚎 𝚎𝚊𝚜𝚒𝚕𝚢 𝚊𝚟𝚊𝚒𝚕𝚊𝚋𝚕𝚎 𝚒𝚗 𝚋𝚛𝚊𝚗𝚌𝚑𝚎𝚜 𝚊𝚗𝚍 𝚍𝚎𝚍𝚒𝚌𝚊𝚝𝚎𝚍 𝚠𝚎𝚋𝚜𝚒𝚝𝚎𝚜 𝚘𝚏 𝚋𝚊𝚗𝚔𝚜. 𝚃𝚑𝚎 𝚗𝚘𝚗-𝚛𝚎𝚏𝚞𝚗𝚍𝚊𝚋𝚕𝚎 𝚏𝚘𝚛𝚖 𝚙𝚛𝚘𝚌𝚎𝚜𝚜𝚒𝚗𝚐 𝚏𝚎𝚎 𝚠𝚒𝚕𝚕 𝚋𝚎 𝚁𝚜𝟷𝟶𝟶, “𝚝𝚑𝚎 𝚌𝚒𝚛𝚌𝚞𝚕𝚊𝚛 𝚜𝚊𝚒𝚍.
𝚂𝙱𝙿 𝚠𝚒𝚕𝚕 𝚙𝚞𝚋𝚕𝚒𝚜𝚑 𝚌𝚘𝚗𝚜𝚘𝚕𝚒𝚍𝚊𝚝𝚎𝚍 𝚒𝚗𝚏𝚘𝚛𝚖𝚊𝚝𝚒𝚘𝚗 𝚘𝚗 𝚝𝚑𝚎 𝚕𝚘𝚊𝚗𝚜 𝚐𝚛𝚊𝚗𝚝𝚎𝚍 𝚞𝚗𝚍𝚎𝚛 𝚝𝚑𝚒𝚜 𝚙𝚛𝚘𝚐𝚛𝚊𝚖 𝚏𝚘𝚛 𝚙𝚞𝚋𝚕𝚒𝚌 𝚒𝚗𝚏𝚘𝚛𝚖𝚊𝚝𝚒𝚘𝚗 𝚚𝚞𝚊𝚛𝚝𝚎𝚛𝚕𝚢 𝚘𝚗 𝚒𝚝𝚜 𝚠𝚎𝚋𝚜𝚒𝚝𝚎.
𝚃𝚑𝚎 𝚜𝚌𝚑𝚎𝚖𝚎 𝚠𝚘𝚞𝚕𝚍 𝚋𝚎 𝚊𝚟𝚊𝚒𝚕𝚊𝚋𝚕𝚎 𝚝𝚑𝚛𝚘𝚞𝚐𝚑𝚘𝚞𝚝 𝙿𝚊𝚔𝚒𝚜𝚝𝚊𝚗. 𝙸𝚗 𝚝𝚑𝚎 𝚌𝚊𝚜𝚎 𝚘𝚏 𝙱𝚊𝚕𝚘𝚌𝚑𝚒𝚜𝚝𝚊𝚗, 𝚊𝚝 𝚕𝚎𝚊𝚜𝚝 𝚘𝚗𝚎 𝚋𝚛𝚊𝚗𝚌𝚑 𝚘𝚏 𝙽𝙱𝙿 𝚠𝚘𝚞𝚕𝚍 𝚋𝚎 𝚍𝚎𝚜𝚒𝚐𝚗𝚊𝚝𝚎𝚍 𝚋𝚢 𝚍𝚒𝚟𝚒𝚜𝚒𝚘𝚗. 𝙰𝚕𝚕 𝚗𝚘𝚗-𝚍𝚎𝚜𝚒𝚐𝚗𝚊𝚝𝚎𝚍 𝙽𝙱𝙿 𝚋𝚛𝚊𝚗𝚌𝚑𝚎𝚜 𝚠𝚘𝚞𝚕𝚍 𝚊𝚕𝚜𝚘 𝚙𝚛𝚘𝚟𝚒𝚍𝚎 𝚊𝚗𝚍 𝚛𝚎𝚌𝚎𝚒𝚟𝚎 𝚏𝚞𝚕𝚕 𝚊𝚙𝚙𝚕𝚒𝚌𝚊𝚝𝚒𝚘𝚗 𝚏𝚘𝚛𝚖𝚜 𝚊𝚗𝚍 𝚜𝚎𝚗𝚍 𝚝𝚑𝚎𝚖 𝚝𝚘 𝚝𝚑𝚎 𝚗𝚎𝚊𝚛𝚎𝚜𝚝 𝚋𝚛𝚊𝚗𝚌𝚑𝚎𝚜.
𝚃𝚑𝚎 𝙴𝚡𝚎𝚌𝚞𝚝𝚒𝚗𝚐 𝙰𝚐𝚎𝚗𝚌𝚒𝚎𝚜 (𝙴𝙰) 𝚞𝚗𝚍𝚎𝚛 𝚝𝚑𝚒𝚜 𝚙𝚛𝚘𝚐𝚛𝚊𝚖 𝚖𝚞𝚜𝚝 𝚐𝚞𝚊𝚛𝚊𝚗𝚝𝚎𝚎 𝚊𝚍𝚍𝚒𝚝𝚒𝚘𝚗𝚊𝚕 𝚖𝚎𝚊𝚜𝚞𝚛𝚎𝚜, 𝚜𝚞𝚌𝚑 𝚊𝚜 𝚝𝚑𝚎 𝚍𝚎𝚟𝚎𝚕𝚘𝚙𝚖𝚎𝚗𝚝 𝚊𝚗𝚍 𝚒𝚖𝚙𝚕𝚎𝚖𝚎𝚗𝚝𝚊𝚝𝚒𝚘𝚗 𝚘𝚏 𝚝𝚑𝚎 𝚌𝚛𝚒𝚝𝚎𝚛𝚒𝚊 𝚝𝚘 𝚎𝚟𝚊𝚕𝚞𝚊𝚝𝚎 𝚝𝚑𝚎 𝚋𝚞𝚜𝚒𝚗𝚎𝚜𝚜 𝚙𝚘𝚝𝚎𝚗𝚝𝚒𝚊𝚕.
“𝙸𝚗 𝚝𝚑𝚎 𝚌𝚊𝚜𝚎 𝚘𝚏 𝚕𝚘𝚊𝚗𝚜 𝚏𝚘𝚛 𝚎𝚡𝚒𝚜𝚝𝚒𝚗𝚐 𝚌𝚘𝚖𝚙𝚊𝚗𝚒𝚎𝚜, 𝚊𝚗 𝚒𝚗𝚍𝚎𝚙𝚎𝚗𝚍𝚎𝚗𝚝 𝚊𝚗𝚍 𝚛𝚘𝚋𝚞𝚜𝚝 𝚟𝚎𝚛𝚒𝚏𝚒𝚌𝚊𝚝𝚒𝚘𝚗 𝚖𝚎𝚌𝚑𝚊𝚗𝚒𝚜𝚖 𝚌𝚊𝚗 𝚋𝚎 𝚒𝚗𝚝𝚛𝚘𝚍𝚞𝚌𝚎𝚍 𝚝𝚘 𝚐𝚞𝚊𝚛𝚊𝚗𝚝𝚎𝚎 𝚝𝚑𝚎 𝚌𝚘𝚛𝚛𝚎𝚌𝚝 𝚞𝚜𝚎 𝚘𝚏 𝚝𝚑𝚎 𝚕𝚘𝚊𝚗𝚜. 𝙸𝚗 𝚊𝚍𝚍𝚒𝚝𝚒𝚘𝚗, 𝚏𝚘𝚛 𝚝𝚑𝚎 𝚗𝚎𝚠 𝚌𝚘𝚖𝚙𝚊𝚗𝚒𝚎𝚜, 𝚊 𝚜𝚘𝚕𝚒𝚍 𝚖𝚎𝚌𝚑𝚊𝚗𝚒𝚜𝚖 𝚏𝚘𝚛 𝚝𝚑𝚎 𝚌𝚘𝚗𝚝𝚒𝚗𝚞𝚘𝚞𝚜 𝚖𝚘𝚗𝚒𝚝𝚘𝚛𝚒𝚗𝚐 𝚘𝚏 𝚝𝚑𝚎 𝚞𝚜𝚎 𝚘𝚏 𝚝𝚑𝚎 𝚕𝚘𝚊𝚗𝚜 𝚖𝚞𝚜𝚝 𝚋𝚎 𝚍𝚎𝚟𝚎𝚕𝚘𝚙𝚎𝚍 𝚊𝚗𝚍 𝚒𝚖𝚙𝚕𝚎𝚖𝚎𝚗𝚝𝚎𝚍. ”
𝙰 𝚖𝚎𝚌𝚑𝚊𝚗𝚒𝚜𝚖 𝚜𝚑𝚘𝚞𝚕𝚍 𝚋𝚎 𝚒𝚗𝚝𝚛𝚘𝚍𝚞𝚌𝚎𝚍 𝚝𝚘 𝚎𝚗𝚜𝚞𝚛𝚎 𝚝𝚑𝚊𝚝 𝚝𝚑𝚎 𝚙𝚛𝚎𝚜𝚌𝚛𝚒𝚋𝚎𝚍 𝚍𝚎𝚋𝚝 𝚌𝚊𝚙𝚒𝚝𝚊𝚕 𝚛𝚊𝚝𝚒𝚘 𝚑𝚊𝚜 𝚋𝚎𝚎𝚗 𝚖𝚊𝚒𝚗𝚝𝚊𝚒𝚗𝚎𝚍. 𝙱𝚎𝚏𝚘𝚛𝚎 𝚝𝚑𝚎 𝚍𝚒𝚜𝚋𝚞𝚛𝚜𝚎𝚖𝚎𝚗𝚝 𝚘𝚏 𝚝𝚑𝚎 𝚕𝚘𝚊𝚗𝚜, 𝚒𝚝 𝚖𝚞𝚜𝚝 𝚋𝚎 𝚐𝚞𝚊𝚛𝚊𝚗𝚝𝚎𝚎𝚍 𝚝𝚑𝚊𝚝 𝚝𝚑𝚎 𝚌𝚊𝚙𝚒𝚝𝚊𝚕 𝚠𝚊𝚜 𝚍𝚎𝚙𝚘𝚜𝚒𝚝𝚎𝚍 𝚒𝚗 𝚝𝚑𝚎 𝚋𝚊𝚗𝚔 𝚏𝚛𝚘𝚖 𝚝𝚑𝚎 𝚜𝚘𝚞𝚛𝚌𝚎𝚜 𝚘𝚏 𝚝𝚑𝚎 𝚋𝚘𝚛𝚛𝚘𝚠𝚎𝚛, 𝚠𝚑𝚎𝚛𝚎 𝚝𝚑𝚎 𝚌𝚊𝚙𝚒𝚝𝚊𝚕 𝚖𝚎𝚌𝚑𝚊𝚗𝚒𝚜𝚖 𝚠𝚊𝚜 𝚒𝚗 𝚝𝚑𝚎 𝚏𝚘𝚛𝚖 𝚘𝚏 𝚌𝚊𝚜𝚑, 𝚜𝚊𝚒𝚍 𝚝𝚑𝚎 𝚂𝙱𝙿.
𝚂𝙱𝙿 𝚊𝚍𝚟𝚒𝚜𝚎𝚍 𝚋𝚊𝚗𝚔𝚜 𝚝𝚘 𝚙𝚛𝚎𝚙𝚊𝚛𝚎 𝚝𝚑𝚎𝚒𝚛 𝚜𝚢𝚜𝚝𝚎𝚖𝚜 𝚝𝚘 𝚜𝚞𝚌𝚌𝚎𝚜𝚜𝚏𝚞𝚕𝚕𝚢 𝚒𝚖𝚙𝚕𝚎𝚖𝚎𝚗𝚝 𝚝𝚑𝚎 𝚙𝚛𝚘𝚐𝚛𝚊𝚖 𝚊𝚗𝚍 𝚊𝚟𝚘𝚒𝚍 𝚊𝚗𝚢 𝚖𝚒𝚜𝚞𝚜𝚎. 𝙻𝚘𝚊𝚗 𝚊𝚙𝚙𝚕𝚒𝚌𝚊𝚝𝚒𝚘𝚗 𝚏𝚘𝚛𝚖𝚜 𝚠𝚒𝚕𝚕 𝚋𝚎 𝚊𝚟𝚊𝚒𝚕𝚊𝚋𝚕𝚎 𝚋𝚘𝚝𝚑 𝚊𝚝 𝚋𝚛𝚊𝚗𝚌𝚑𝚎𝚜 𝚊𝚗𝚍 𝚝𝚑𝚛𝚘𝚞𝚐𝚑 𝚍𝚎𝚍𝚒𝚌𝚊𝚝𝚎𝚍 𝚠𝚎𝚋𝚜𝚒𝚝𝚎𝚜 𝚘𝚏 𝙽𝙱𝙿, 𝙱𝚘𝙿 𝚊𝚗𝚍 𝙱𝚊𝚗𝚔 𝚘𝚏 𝙺𝚑𝚢𝚋𝚎𝚛.
˜”*°•.˜”*°• You can Read the SBP Circular here
Dear Mr / Mrs,
Small businesses stimulate economic growth by providing employment opportunities, fostering innovation and reducing income inequalities. The lack of adequate financial resources from formal sources is one of the key challenges faced by small businesses and young entrepreneurs. The Government of Pakistan is aware of this situation and is fully committed to allowing young people to obtain affordable financing from banks to establish new businesses or strengthen their existing businesses.
In order to provide self-employment opportunities to unemployed young people, the Government of Pakistan is launching the Prime Minister Kamyab Jawan SME Loan Program throughout the country. The government of Pakistan will grant a subsidy for loss of credit and surcharge in loans for small businesses in the range of Rs. 100,000 to Rs. 5,000,000 disbursed by the banks under the program. The key characteristics of the Program are reproduced below, as approved by the Prime Minister: •°*”˜.•°*”˜
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S. No | Particulars | Key Features | ||||||
1 | Eligibility Criteria |
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2 | Loan size |
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3 | Loan type |
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4 | Loan Tenor |
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5 | Debt to Equity ratio |
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6 | Focus on Women |
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7 | Security Requirements |
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8 | Risk Mitigation |
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9 | Allocation in Budget |
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10 | Pricing |
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11 | Executing Agency |
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12 | Sectors and Products |
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13 | Application Form |
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14 | Monitoring |
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15 | Geographical distribution |
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16 | Additional measures |
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