Kamyab Jawan Tractor Scheme Online Apply (2025 Guide)
Agriculture is the backbone of Pakistan’s economy, and tractors are essential for modern farming practices. However, many small-scale farmers struggle to afford new machinery due to high upfront costs. To address this challenge, the Government of Pakistan has introduced the Kamyab Jawan Tractor Scheme, which provides subsidized loans to help farmers and young entrepreneurs purchase tractors.
This scheme is part of the Prime Minister Youth Business & Agriculture Loan Scheme (PMYB&ALS) and aims to improve agricultural productivity, reduce unemployment, and promote rural development. With easy financing terms and minimal collateral, this program has become a lifeline for those looking to modernize their farming operations.
What is the Kamyab Jawan Tractor Loan Scheme?
The Kamyab Jawan Tractor Loan Scheme, also referred to as the Kamyab Kisan Scheme, is a government-backed initiative to provide affordable tractor financing to youth and farmers across Pakistan.
Under this scheme, applicants can obtain loans to buy brand-new, locally manufactured tractors from leading brands such as Massey Ferguson, Al-Ghazi, Fiat, and New Holland. The government subsidizes the markup to make repayments easier, while banks facilitate the loan process with flexible installment options.
This program does not require applicants to own agricultural land, making it especially beneficial for tenants, small-scale farmers, and new entrants in the agriculture sector.
Eligibility Criteria
To ensure fair distribution and support genuine applicants, the scheme has set clear eligibility requirements:
- Nationality: Must be a Pakistani citizen with a valid CNIC.
- Age: 21–45 years. Applicants aged 18+ are eligible if applying for IT or e-commerce-related agri businesses.
- First-Time Tractor Buyer: Only new applicants are allowed; existing tractor owners financed through any loan are not eligible.
- Industry Selection: Applicants must choose “Agriculture” as the industry and “Agriculture Machinery > Tractor” as the sub-sector in the online application.
- Equity Contribution: A minimum of 10% of the tractor price must be deposited as equity/down payment.
Women, differently-abled persons, and applicants from underserved rural areas are given priority to encourage inclusivity and balanced economic growth.
Loan Amount, Interest Rate, and Repayment
Loan Amount
- Financing is available for tractors priced up to PKR 1,000,000, covering major local brands.
- The scheme supports full or partial financing based on the applicant’s eligibility and equity contribution.
Interest Rate
- The interest rate is heavily subsidized at around 3% per annum, compared to commercial loan rates which can exceed 15–18%.
- Tier 1 loans (under PKR 500,000) may even be offered at 0% markup under certain conditions.
Repayment Terms
- Repayment tenure ranges from 7 to 8 years, making it affordable for farmers with seasonal income.
- Installments can be structured as monthly, quarterly, or semi-annual, depending on the applicant’s cash flow.
- A grace period of up to 12 months may apply for new borrowers, allowing them to establish operations before starting repayments.
How to Apply Online
Applying for the Kamyab Jawan Tractor Scheme is simple and entirely digital, ensuring accessibility for applicants across Pakistan.
Visit the Kamyab Jawan Portal
Go to the official PM Youth Programme portal:
https://pmyp.gov.pk/bankform/newapplicantform
Complete the Online Application
Fill out personal information, CNIC details, educational background, and income data. Provide accurate information to avoid delays during verification.
Select Agriculture Machinery
In the business section, choose:
- Industry: Agriculture
- Business Sector: Agriculture Machinery
- Sub-sector: Tractor
This selection ensures your application is categorized under the tractor loan program.
Upload Required Documents
Attach clear scanned copies of all necessary documents (see the list below). Poor-quality images can result in rejection or processing delays.
Submit and Save Your Application ID
After submitting, you will receive an Application ID/Registration Number via SMS and on-screen. Keep it safe, as it is required for tracking your loan status.
Documents Required
Having the right documents prepared increases the chances of a smooth application process:
- CNIC: Scanned copy (front and back)
- Passport-Size Photograph: Recent, clear photo of the applicant
- Proof of Agricultural Activity: Optional but helpful for approval (lease agreement, trade license, or experience certificate)
- Electricity Bill: Latest residential bill showing address and CIN
- NTN (if applicable): Required if the applicant is a registered taxpayer
- References: CNIC numbers and contact details of two unrelated personal references
Make sure all documents are valid and not expired at the time of application.
Participating Banks
Several public and private banks are participating in the scheme, including:
- Bank of Punjab (BOP): Major facilitator for tractor financing in Punjab.
- National Bank of Pakistan (NBP): Offers wide coverage nationwide.
- Bank of Khyber (BOK): Special focus on KPK farmers.
- Khushhali Microfinance Bank: For small-scale applicants without formal collateral.
The system automatically assigns your application to a participating bank based on your location and profile.
Tracking Your Loan Application
Once you submit your application, you can track its progress online:
- Visit the official PM Youth Programme portal.
- Click on Application Status.
- Enter your CNIC or Application ID to view updates.
Applicants also receive SMS notifications during each stage of the review process. If no updates are received after 30–45 days, contact your assigned bank.
Tractor Brands, Loan Amounts & Estimated Installments
| Tractor Brand | Average Price (PKR) | Loan Amount (PKR) | Interest Rate | Repayment Tenure | Approx. Monthly Installment |
|---|---|---|---|---|---|
| Massey Ferguson MF-240 | 1,600,000 | 1,000,000 | 3% | 8 years | ~PKR 12,000–14,000 |
| Fiat 480 Special | 1,500,000 | 900,000 | 3% | 8 years | ~PKR 11,000–13,000 |
| Al-Ghazi 65 HP | 1,700,000 | 1,000,000 | 3% | 8 years | ~PKR 12,500–14,500 |
| New Holland 70 HP | 1,800,000 | 1,000,000 | 3% | 8 years | ~PKR 13,000–15,000 |
Estimates vary based on bank policies and applicant profile.
Benefits of the Tractor Loan Scheme
The Kamyab Jawan Tractor Scheme offers multiple benefits for youth and farmers:
- Affordable Financing: Low markup rates make tractor ownership accessible.
- No Land Requirement: Tenants and small-scale farmers can apply without owning agricultural land.
- Boosts Agricultural Productivity: Access to modern machinery increases efficiency and yields.
- Inclusive Opportunities: Women, youth, and rural entrepreneurs get priority.
- Long-Term Support: Extended repayment terms align with agricultural income cycles.
Tips for a Successful Application
- Keep your 10% equity/down payment ready before applying.
- Use a mobile number registered under your own CNIC.
- Double-check all details in the application form.
- Apply for one tractor only, as multiple applications can lead to disqualification.
- Choose an eligible tractor model approved under the scheme.
Frequently Asked Questions
How can I apply online for the Kamyab Jawan Tractor Scheme?
Apply via the official Kamyab Jawan portal, select Agriculture Machinery > Tractor, upload documents, and submit the form. Keep your Application ID safe for tracking.
What is the interest rate?
The interest rate is subsidized at approximately 3% per year. Tier 1 loans may be offered at 0% markup.
Do I need to own land?
No. The scheme is open to tenants, small farmers, and individuals without land ownership.
Can women apply?
Yes. Women are encouraged to apply, and the government offers a quota to promote female participation.
How long does the approval process take?
Typically, 30 to 45 working days after submission, depending on document verification and bank review.
Final Thoughts
The Kamyab Jawan Tractor Loan Scheme is a crucial initiative to modernize agriculture and empower rural youth. By offering low-interest loans and removing barriers like land ownership, the program makes tractor financing accessible to thousands of farmers who previously couldn’t afford it.
If you are a young farmer or an aspiring agri-entrepreneur, this scheme provides a golden opportunity to invest in modern farming equipment, increase productivity, and contribute to Pakistan’s food security. Prepare your documents, submit a well-filled application, and take advantage of this government-backed support to strengthen your agricultural future.
