PM Youth Loan (Kamyab Jawan) Calculator
Estimate your monthly installment under the Prime Minister Youth Business and Agriculture Loan Scheme. Enter the loan amount and tenure — the calculator detects the tier, applies the correct markup rate and shows your installment, total markup and total payable.
Please note: these are estimates for planning only. Final approval, exact markup and terms are decided by the partner bank after your application and verification.
Scheme tiers
| Tier | Loan amount | Markup rate |
|---|---|---|
| Tier 1 | Up to Rs 500,000 | 0% per year (markup borne by the government) |
| Tier 2 | Rs 500,001 to Rs 1,500,000 | 5% per year |
| Tier 3 | Rs 1,500,001 to Rs 7,500,000 | 7% per year |
Loan calculator
Maximum loan under the scheme is Rs 7,500,000.
Typical tenure is up to 8 years including any grace period.
Enter your loan details above to see the estimate.
Eligibility checklist
- Age 21 to 45 years at the time of application.
- Pakistani citizen with a valid CNIC.
- Viable business or agriculture plan — you must present a clear plan for how the loan will be used.
- Valid bank account in your own name at a partner bank.
- No default history — applicants with unresolved loan defaults are not eligible.
Tick every box before you apply. Banks may add their own documentation requirements.
How to use
- Enter the loan amount you want to apply for in rupees.
- Enter the repayment tenure in years.
- The calculator automatically detects the tier and shows the markup rate, monthly installment, total markup and total payable.
- Use the eligibility checklist to confirm you qualify before visiting a bank.
Frequently asked questions
Up to Rs 500,000 is Tier 1, Rs 500,001 to Rs 1,500,000 is Tier 2, and Rs 1,500,001 to Rs 7,500,000 is Tier 3. The calculator detects this automatically when you enter the amount.
The borrower pays 0% markup on Tier 1 loans because the government bears the markup cost. You still repay the full principal amount in monthly installments.
Applicants must be between 21 and 45 years of age. You must also be a Pakistani citizen with a viable business or agriculture plan.
You apply at any participating partner bank, which collects your documents, evaluates your business plan and issues the loan after approval. The final terms are set by the bank.
No. They are estimates based on the published tier structure and simple monthly amortization, shown for planning only. The partner bank confirms the actual schedule.