Apna Rozgar Scheme 2023: The Government of Punjab has introduced the Punjab Rozgar Scheme, a groundbreaking initiative to address the unemployment crisis and encourage entrepreneurship in the province. With a budget of over Rs. 30 billion, this is Pakistan’s largest employment program to date. The program is being launched in collaboration with the Punjab Small Industries Corporation and the Bank of Punjab, which will provide easy loans for new and existing businesses, as well as support small and medium-sized enterprises affected by the Covid-19 pandemic.
Apna Rozgar Scheme 2023 has an online registration process that is currently open, offering interest-free credit for the first time. Eligible residents of Punjab can apply for financial assistance to start their own businesses or improve their existing ones. The program aims to empower unemployed youth and entrepreneurs in the region, in line with the Prime Minister’s vision for youth development.
To apply for the Apna Rozgar Scheme 2023, residents of Pakistan can check the eligibility criteria and complete the online application process. This initiative is a significant step towards addressing the employment challenges in the province and supporting economic growth.
Apna Rozgar Scheme 2023 loan calculator
The Punjab Rozgar Scheme is a government-funded initiative aimed at supporting small and medium-sized businesses impacted by the COVID-19 pandemic. The program provides soft loans to men, women, and the transgender community to either revive their businesses or start new ventures. The program also prioritizes creating employment opportunities for young people by generating economic activities.
To be eligible for the scheme, businesses must be registered with the Punjab State Industrial Development Corporation (PSIDC) and have a minimum net worth of Rs 1 crore. The program offers interest-free loans of up to Rs 10 lakh with an annual interest rate of 3%. University graduates with entrepreneurial skills, as well as diploma/certificate holders of technical/vocational training institutes, can also apply for the scheme.
To apply for the loan, businesses must complete the Apna Rozgar Scheme 2023 Application Form (PDF). By supporting small and medium-sized businesses, the Punjab Rozgar Scheme aims to promote economic growth and create job opportunities in the province.
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Punjab Rozgar scheme 2023 online apply
The Government of Punjab in Pakistan is actively working towards introducing programs and activities aimed at supporting the social sector and reviving economic activity in the province. To this end, it has launched initiatives such as the Punjab Green Development Loan and the Punjab Rozgar Loan, in partnership with commercial banks. These initiatives are designed to create livelihood opportunities for the common people and contribute towards restoring economic growth in the most populated province of Pakistan.
Looking for a chance to secure a government job in the state of Punjab? Look no further than the Punjab Rozgar Scheme! This program offers eligible candidates the opportunity to apply online for a variety of government jobs through the official website. The application deadline is March 31st, 2023, so don’t delay submitting your application.
To be eligible for the Punjab Rozgar Scheme, you must have passed the Higher Secondary or equivalent examination from a recognized Board, possess an Indian Passport or Permanent Resident Card and have resided in Punjab for at least 6 months before applying for the Scheme.
The Punjab Apna Rozgar Scheme 2023 is a collaborative effort between the Government of Punjab, banks and financial institutions, and civil society organizations. Its purpose is to support households in need of economic stability. Additionally, the government has introduced the Apna Rozgar Scheme, which offers interest-free loans to farmers to help them start a business from their own farm. Apply today and take the first step toward a brighter future!
Apna Rozgar Scheme 2023 application form
The CM Punjab Apna Rozgar Scheme 2023 application form is now available online. You can download the application form from the website or from the links below. The form has to be filled in and submitted before the last date.
The following are some of the eligibility criteria for applying under the Scheme:
- You should be a resident of the Punjab
- You should not have any criminal record
- You should not be more than 55 years of age on 1st January 2023
- Your annual family income should not exceed Rs 2 lakhs (Rupees Twenty Lakhs) as per
- You should have completed 12th standard or its equivalent qualification from a recognized school/ university
Apna Rozgar Scheme 2023 last date to apply
Punjab Rozgar Scheme will create economic activities for the youth. A total cost of Rs. 30,000.00 million (Rs. 30 billion) has been allocated for the loan. University Graduates with Entrepreneurial Skills and Diploma /Certificate holders of Technical / Vocational Training Institutes are eligible to apply for the loan. Let’s see eligibility criteria, how to use them, and other terms and conditions in this post.
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Apna Rozgar Scheme 2023 Online Apply
This is the biggest ever job program ever in Punjabi history. More than the amount of Rs. 30 billion worth of loans in easy terms are available when loans exceed the amount of Rs. 30 billion. More than 1.6 million individuals will gain jobs. With the help of employment programs, millions of young people will become financially self-sufficient. Through the Punjab Employment Scheme will allow trained youth to provide jobs to other individuals.
Apna Rozgar Scheme 2023 Eligibility Criteria
The following eligibility requirements will be met in order to process loans under the Punjab Rozgar Scheme:
- Age: 20-50 years
- Gender: Male / Female / Transgender
- Resident Citizen Pakistan Resident of Punjab Verified through CNIC
- Business Location: Punjab
- Business Type Solo Proprietor or Partnership or any other business that meets the qualifications
- You must have a clean e-CIB or credit history
- For businesses that are just starting out or new
- A viable business plan
- Existing companies
- A business plan that is viable that focuses on sustaining the positive impact of COVID-19
- Having Valid CNIC
Apna Rozgar Scheme 2022 Application Form Online
Registration for the Punjab Rozgar Scheme registration process is easy and can be done online. Here’s how to sign up to join the scheme:
Step 1: Visit the Official Website
To start the registration process it is necessary to go to the official site of the Punjab Rozgar Scheme. The website can be accessed at https://rozgar.psic.punjab.gov.pk. After you have accessed the website, you’ll be able to see the homepage.
Step 2: Create an Account
To be able to sign up to participate in to be a part of the Punjab Rozgar Scheme, you have to sign up for your account through the official website. Click on the “Register” button on the homepage which will lead users directly to the page for registration. There, you will need to fill in your name, email address, and password to establish an account.
Step 3: Fill out the Application Form
Once you have created an account, you’ll need to fill out an application form. The application form requires you to fill in your personal details, such as your name, birth date, birth, and contact details. In addition, you must include your education as well as work-related experience information.
Step 4: Upload Your Documents
After filling out an application form it is time be able to submit the documents. The documents you have to upload are those on your National Identity Card (NIC) as well as educational certificates and working experience certifications.
Step 5: Submit Your Application
After you have uploaded your documents After uploading your documents, you must go through your application and then submit it. Once your application has been received and examined by staff from the Punjab Rozgar Scheme team. If your application is accepted, you will be contacted for further processing.
Apna Rozgar Scheme 2023 Terms & Conditions:
| FEATURE | DESCRIPTION |
| Loan limit |
Under Punjab Green Development Program, the limit of a loan will remain the same. However, preference will be given to the micro-enterprises, ready to adopt the environment-improving technology, and have up to 10 numbers of employees. |
| Purpose of loan |
|
| MSME Sector |
|
| Processing fee | Rs. 2000/- (non-refundable) at the time of submission of application |
| Tenure of loan / Repayment Period | From 02 to 05 years including a grace period |
| Grace period | Up to Six (06) Months (However, the markup will be charged during the grace period) |
| Type of loan | Term loan as per bank policy and working capital |
| Cost of Capital | |
Cost of Capital to be paid by Borrower:
|
|
| Debt: Equity | 80:20 (For males)90:10 (Women, Transgender and Differently abled)
(Meaning thereby 20% / 10% of the project cost will be invested by the borrower) |
| Disbursement of loans | In installment(s) as per approved business plan |
| Security of loan | 1. Security for Clean Lendingi. Security for loan limit from Rs. 100,000/- to Rs. 500,000/-
Personal Guarantee of the borrower along with net worth statement. ii. Security for loan limit from Rs. 500,001/- to Rs. 1,000,000/- · Personal Guarantee of the borrower along with at least one, Third Party guarantor with overall net worth collectively equal to size of the loan applied. (Third Party should be a citizen of Pakistan and resident of the Punjab having a valid CNIC and must not be older than 55 years. Moreover, e-CIB of third party should be clean i.e. it should not have any overdue or write off history) OR · Guarantee of Government employee of BS-10 and above alongwith personal guarantee of the borrower. (Departmental gurantee of the government employee will be mandatory) Net Worth / Wealth Description and Calculation Criteria: · Net Worth may be in the form of Tangible Asset i.e Property or Vehicle ownership and may be assessed as follows: a. Property may be valued at respective DC rate. OR b. Property valuation may be established from Wealth Tax statement. OR c. Evaluation by Pakistan Banks Association (PBA) approved evaluator/agent OR d. Vehicle valuation shall be invoice price less depreciation (10% for each passing year). 2. Security for loan limit from Rs. 1,000,001/- to 10,000,000/- Mortgage of Assets Asset description a. Residential / Commercial / Industrial / Agricultural Property / vehicle having clean title and clear access (acceptable to the bank) and valued by banks approved appraiser as per bank’s policy. b. The property should be in the name of borrower or blood relative of individual / proprietor / partners. c. Documentation shall be as per bank credit policy / legal division. Charge / hypothecation on fixed / current assets as per internal / external regulations. |
Schedule of Charges
The schedule of Charges to be paid by the Applicant / Borrower will be as under:
| Application Processing Fee | Rs.2000/- (non-refundable) at the time of submission of the application |
| Valuation / legal / documentation charges inclusive of revenue stamps, Government duties / fee etc. | At Actual Rate |
| Insurance ( if applicable) | At Actual Rate |
| Partial / Balloon / Early Settlement Charges | NIL |
| Late Installment Payment Charges | Rs. 1 per 1000 per day on principal amount to be calculated from monthly installment from due date till date of actual payment |
Apna Rozgar Scheme 2023 Apply Online
Punjab Rozgar Scheme 2023 Target Groups:
- University/College Graduates with entrepreneurial skill
- Diploma/Certificate holder from TVET having technical/vocational training.
- Artisans and skilled workers
- Existing Businesses
- (However, preference will be given to existing businesses in wake of the current COVID-19 pandemic)
- Micro and other enterprises that apply for a loan to adopt resource-efficient and cleaner production technologies or any Green / Environment-friendly intervention to improve the environmental performance of their operations.
FAQs
Who is eligible for the Punjab Rozgar Scheme?
The Punjab Rozgar Program is open to all candidates who reside in Punjab and who are between 18 to 35 years old.
What documents are needed to complete the Punjab Rozgar Scheme registration?
The documents needed for Punjab Rozgar Scheme registration include your National Identity Card (NIC) along with educational certificates, as well as working experience certifications.
What is the time frame to complete an application for the Punjab Rozgar Scheme application?
The time to process an application to the Punjab Rozgar Scheme application varies in time, but typically it takes between two and three weeks.
Can I apply for Punjab Rozgar Scheme if I am already employed?
No no, the Punjab Rozgar Program is intended for those who are currently unemployed.
How many times can I apply for Punjab Rozgar Scheme?
The application to an application for Punjab Rozgar Scheme only once.
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