JS / Business / SME / JS Kamyab Jawan Business Loans – FrieslandCampina Engro Pakistan

JS Kamyab Jawan Business Loans - FrieslandCampina Engro Pakistan

JS Bank brings an exciting opportunity for dairy farmers associated with FrieslandCampina Engro Pakistan, through the JS Prime Minister's Kamyab Jawan Youth Entrepreneurship Scheme for shed construction, farm upgrade or purchase of livestock and/or machinery 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 of PMYES

Loan Limits and Pricing:
Tier 1
Tier 2
Tier 3
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%

 Loan Tenor
– Variable: Up to Eight (8) Years
Loan Type
- Term Loans
 Grace Period
- Not Applicable
Equity Requirement
– Nil for Existing Business
Will be arranged by JS Bank through its insurance partners.
  • All men/women holding CNIC, aged between 21 and 45 years, with entrepreneurial potential are eligible.
  • Clean credit history and no active loans
  • Supplier relationship with FrieslandCampina Engro Pakistan for past six (6) Months.
  • Referral Letter from FrieslandCampina Engro Pakistan
  • Must intend on utilizing the loan to purchase livestock or for farm upgrade and continue to maintain relationship with Nestle Pakistan as a supplier during the term of the loan.
  • Local and Imported livestock
  • Shed Construction
  • Animal Ultrasound Machines
  • Calf Cages
  • Chillers and Generators
  • Heavy duty ventilation Fans
  • Hose reel–irrigation systems
  • Manure Management system-BIO Gas
  • Milking Parlor (Machine with installation)
  • Silage making machines and Bunkers
  • Solar System for Cows Shed and Tube Wells
  • Sprinkle Showering Systems
  • Tractors/Trolleys
  • Water Geyser and Pumps
  • Weigh Bridges and Scales

Step 1: Contact nearest FrieslandCampina Engro Pakistan’s Milk Collection Center
Step 2: After eligibility check, Engro to forward applicant details to JS Bank
Step 3: JS Bank staff to contact applicant and schedule appointment for application processing

Legal Documentation Charges: At Actual
Insurance: At Actual (where applicable)
Other Applicable charges: As per SOC

Customers are required to deposit monthly payments as per their schedule into their JS Bank current accounts and continue to work as a supplier with Engro Foods during the tenor of the loan. Failure to do so may result in legal recourse.
For further details visit Engro’s nearest Milk Collection Center or Call at
Engro Foods Agri Services coordinator
Asif Ali – 0301-8265308
Or JS Bank at 021 111 654 321