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JS Kamyab Jawan Business Loans – Gist Technology Pvt. Limited

JS Bank brings an exciting opportunity for individuals mentored by Gist Technology Pvt. Limited through JS Kamyab Jawan Youth Entrepreneurship Scheme to start up or expand their own businesses by providing subsidized loans at the lowest mark-up and convenient terms.

Prime Minister's Kamyab Jawan Youth Entrepreneurship Scheme
Prime Minister's Kamyab Jawan Youth Entrepreneurship Scheme (PMYES) is an initiative launched by the Government of Pakistan to support youth in pursuit of establishing or expanding their businesses. The scheme provides self-employment opportunities to the deserving youth.
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Product Features

Loan Limits and Pricing:
Tier 1(T1)
Tier 2(T2)
Tier 3(T3)
Minimum Financing Limit
PKR 100,000/-
PKR 1,000,001/-
PKR 10,000,001/-
Maximum Financing Limit
PKR 1,000,000/-
PKR 10,000,000/-
PKR 25,000,000/-
Fixed at 3%
Fixed at 4%
Fixed at 5%
Debt: Equity Ratio (New Business)

Nil for existing business (Applicant to provide NTN to qualify for Equity waiver for Existing Business.)

Loan Tenor
Up to eight (8) Years - Maximum five (5) years preferred.
Loan Type:
Long term loan
Grace period:
Grace period fixed at Two (2) months for New Business.
  • Individuals holding CNIC, aged between 21 and 45 years, with entrepreneurial potential are eligible.
  • For IT/ E-Commerce related businesses, the lower age limit will be 18 years, and for the same, at least matriculation or equivalent education will be required.
  • Small enterprises (startups and existing businesses) as per the definition of SBP
  • Must be mentored by Gist Technology Pvt. Limited.
  • Referral Letter from Gist Technology Pvt. Limited.
  • Must intend on utilizing the loan for the purpose stated in the feasibility.
T1 loans: Clean, however, only personal guarantee of the borrower
T2 & T3 loans: Any tangible security/collateral as per bank’s own credit and collateral management policy
Step 1: After eligibility check, Gist Technology Pvt Ltd. to forward applicant details to JS Bank.
Step 2: JS Bank staff to contact applicant and schedule appointment for application processing.

Legal Documentation Charges: At Actual
Insurance & Tracker Charges: At Actual
Any other Charges: As per SOC

Customers are required to deposit monthly payments as per their schedule into their JS Bank current accounts.
Failure to do so may result in legal recourse.
For further details contact us at 021 111 654 321 or visit your nearest JS Bank branch