💸(وزیر اعظم کامیاب پاکستان پروگرام کے ذریعے قرض کیسے حاصل کیا جائے۔) PM Kamyab Pakistan Program Started, SMS CNIC on 5771 for Registration in Kamyab Pakistan Program, Prime Minister Bilasood Qarza Program Lunched

Prime Minister kamyab Pakistan Program

Kamyab Karobar Program, Kamyab Kissan, Naya Pakistan Low-cost Housing Program, Kamyab Hunarmand, Sahatmand Pakistan Program

FOR REGISTRATION PLZ SEND YOUR CNIC NUMBER AT 5771.

• ELIGIBILITY CRITERIA FOR MICRO BORROWERS

1. Holder of a valid CNIC.
2. Resident Pakistani national.
3. No. maximum age limit.
4. Cumulative average monthly family income of less than PKR 50,000.
5. Must be registered with NSER of Ehsaas/BISP with PMT score up to 49. However, exceptions are
   allowed for T-1 applicants of NAPHDA.
6. Verified by NAPHDA through NADRA in case of T-1 housing loans.
7. One Family can co-avail one loan each under Kamyab Karobar, Kamyab Kissan, and Low-Cost Housing.
8. Max. exposure of PKR 2,850,000 per family.

کامیاب پاکستان پروگرام ملک میں غربت کے خاتمے میں کلیدی کردار ادا

کرے گا۔

اس پروگرام کے تحت چودہ سو ارب کے قرضے 37لاکھ گھرانوں کو دیے جائیں گے ۔

• Kamyab Pakistan is flagship initiative that will give more than PKR 1400 Billion loans to 3.7 Million deserving families in the next 5 years.

• Citizens can check their eligibility by sending their CNIC on 5771.

• The Successful Pakistan program will play a key role in alleviating poverty in the country.

• Under this program, loans of Rs. 1400 billion will be given to 3.7 million households.

کامیاب پاکستان پروگرام معاشرے کے محروم طبقات کی معاشی خودمختاری کی جانب اہم قدم ہے۔ اس پروگرام کے تحت کمزور طبقے کو مالی لحاظ سے بااختیار بنانے کے لئے 14 سو ارب روپے کے قرضے فراہم جائیں گے

There are five components to a successful Pakistan program.

1. Interest free loans will be given to farmers through successful farmers.
2. Under the successful business program, up to 500,000 interest free loans will be provided for businesses.
3. Easy installment financing facility to build your house under cheap house scheme.
4. The Government of Pakistan’s successful Skilled Based Scholarship Scheme
5. Health Insaf Card will be linked to the Successful Pakistan Program.

کامیاب کسان کے ذریعے کسانوں کو بلا سود قرضے دئیے جائیں گے۔

کامیاب کاروبار پروگرام کے تحت کاروبار کے لئے پانچ لاکھ تک بلا سود قرضے دئیے جائیں گے۔

سستا گھر سکیم کے تحت اپنا گھر بنانے کے لئے آسان اقساط پر فنانسنگ کی سہولت۔

حکومت پاکستان کے کامیابی سےجاری skilled based سکالر شپ سکیم

صحت انصاف کارڈ کو کامیاب پاکستان پروگرام کے ساتھ منسلک کیا جائے گا۔

Details of Each Program/ Component un Kamyab Pakistan Program

• KAMYAB KAROBAR

کامیاب پاکستان پروگرام کے تحت چھوٹے کاروباروں کی خوشحالی کی جانب اہم سنگ میل

It is an entrepreneurship clean and interest-free loan of up to Rs 500,000 to be repaid in equal monthly instalments in up to three years.

S. No	Particulars	Kamyab Karobaar
1.	Loan Type	Entrepreneur Loan under Tier-0
2.	Loan Size	Up to PKR 500,000
3.	Loan Tenor	Up to 3 years
4.	Repayment	Equal Monthly Installments
5.	Max. Age	No limit
6.	Security Requirements	Clean (secured only by Personal Guarantee of the borrower). In addition, rules & regulations of SECP/SBP shall be complied with by MFPs.
7.	Sectors and Products	All sectors & products including Agriculture(livestock, poultry, fishery, dairy etc could be part of Kamyab Karobar)
8.	Customer Pricing	0 %

• KAMYAB KISSAN

کامیاب پاکستان پروگرام کے تحت کامیاب کسان!
چھوٹے کسانوں کی معاشی خودمختاری کی ضمانت

These are small Agri Loans of up to Rs 150,000 for crop inputs and/or up-to Rs.  200,000 for farm machinery & equipment for farmers with landholding up to 12.5 acres to be repaid in lump sump in two Crop Cycles in a year for 6 months each (max. 1 year).  Financing for Machinery/ Equipment will be up to 1 year.

S. No	Particulars	Kamyab Kissan
1.	Loan Type	Small Agri Loans under Tier-0for farmers with landholding up to 12.5 Acres
2.	Loan Size	Up to PKR 150,000 for Crop Inputs AND/ORUp to PKR 200,000 Farm Machinery & Equipment
3.	Loan Tenor	Two Crop Cycles in a year for 6 months each (max. 1 year)Machinery/ Equipment financing up to 1 year
4.	Repayment	Lump-sum on or before maturity, tied-up with the crop cycle
5.	Max. Age	No limit
6.	Security Requirements	Clean (secured only by Personal Guarantee of the borrower). In addition, rules & regulations of SECP/SBP shall be complied with by MFPs.
7.	Sectors and Products	All sectors & products including Agriculture(livestock, poultry, fishery, dairy etc could be part of Kamyab Karobar)
8.	Customer Pricing	0 %

• NAYA PAKISTAN LOW-COST HOUSING 🏠

کامیاب پاکستان پروگرام کی چھتری تلے نیا پاکستان کم لاگت ہاؤسنگ قرضہ جات

Loans for the construction of houses up to Rs 2.7 million will be distributed on easy terms. The loan tenor can be up to 20 years however, the subsidy will be paid up to 15 years. The size of the house should be 125 square yards (5 marlas).

S. No	Particulars	Mark up Subsidy Program
1.	Maximum Loan size	Maximum size of the loan of a single housing unit, as under Tier 1 ( NAPHDA Projects) is Rs 2.7 million Tier 0 (Non-NAPHDA Projects) is Rs 2.0 million
2.	Size of Housing Unit	Tier 1 NAPHDA  – (a) House up to 125 sq yds (5 Marla) with a maximum covered area of 850 sq ft and (b) Flat/apartment with a maximum covered area of  850 sq ftTier 0 Non NAPHDA – (a) House upto 125 sq yds ( 5 marla) and (b) flat/apartment with maximum covered area of 1,250 sq ft
3.	Maximum Price of Housing Units	Maximum Price (Market Value) of a single housing unit at the time of approval of financing, as  under: Tier 1 ( NAPHDA Projects)                     Rs 3.5 million  Tier 0 (Non-NAPHDA Projects)            No cap
4.	Pricing	TIER – 0  ▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎ Loan size: Rs. 2.0 M ▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎ Customer Pricing: 2% for year 1 to year 5 4% for year 6 to year 10 5% for year 11 to year15 ▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎ TIER -1 ▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎ Loan size: Rs. 2.7 M ▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎ Customer Pricing: 2% for year 1 to year 5 4% for year 6 to year 10 5% for year 11 to year15 ——————————— Loans under T-0 (Non-NAPHDA) shall also be allowed for expansion / incremental housing to an extent of max. 5% of the housing loan portfolio of respective MFP/HFCs.For loan tenors exceeding 15 years, market-rate i.e. bank pricing will be applicable for the period exceeding 15 years.NADRA-verified applicants under Tier-1, declared bankable by MFPs/HFCs shall be entitled to Cost Subsidy @ Rs. 300,000 as approved by the Federal Cabinet, subject to fulfilment of eligibility criteria approved by the Federal Cabinet.  ▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎ For NAPHDA Projects under Tier-1, ▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎▪︎ Commercial Banks, shall assess and finance Prospects/End Users shortlisted under the scheme. Furthermore, if a Commercial Bank additionally engages MFI/RSP/MFB/HFC for the provision of mortgage financing to End-Users under NAPHDA projects, the respective Bank shall be solely responsible to liaison with NAPHDA for provision of Cost Subsidy to the End-Users through Escrow arrangements to be maintained with the respective Bank. All drawdown requests from the developer shall also be handled by the respective Bank.
5.	Security Requirements	As per banks’ credit policy and prudential regulations for wholesale loans. In addition, rules & regulations of SECP/SBP shall be complied with by MFPs/HFCs.

• KAMYAB HUNARMAND 🎿

کامیاب پاکستان پروگرام کے تحت کامیاب ہنرمند

محدود وسائل گھرانوں کے افراد کی مفت ووکیشنل تعلیم و تربیت

KPP is aimed to integrate with government’s ongoing Skill Development Program for educational and vocational training. Accordingly, it is being envisioned that these trained citizens shall also have access to finance and this collaboration shall be rebranded as “Kamyab Hunarmand”.

• SAHATMAND PAKISTAN 🚻

Under “Sahatmand Pakistan”, it will be mandatory for anybody availing loan under KPP to obtain “Sahat Insaaf Card”, if the same facility is available in his/her area.

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