Punjab Rozgar Scheme 2023 Apply Online Eligibility Criteria

Chief Minister Punjab will inaugurate Rs. 30 billion worth of Punjab Rozgar Scheme 2023. Punjab Government Has Introduced Punjab Rozgar Scheme. Rozgar Scheme is the largest employment program in Pakistan. The provincial government will formally launch its employment program, Punjab Rozgar Scheme, with the collaboration of the Punjab Small Industries Corporation (PSIC) and the Bank of Punjab (BOP). Under the scheme, citizens will be provided easy loans worth more than Rs30 billion for new and running businesses besides assisting the small and medium enterprises to recover from the coronavirus crisis.

Punjab Government has introduced Punjab Rozgar Scheme. Through this, the government wants to establish an excellent employment culture in the province by 2023. Thousands of job seekers from across the country are applying for it. Punjab Rozgar Scheme 2023 is an employment scheme in Pakistan which offers opportunities to the unemployed youth of the province and aims to increase their income. The scheme provides jobs in all public sector departments, public sector organizations, and private sector organizations. The Punjab Government is launching a new scheme named “Punjab Rozgar Scheme 2023”. Registration process has already been started. This scheme will be launched soon and the registration for the same has also been started. This scheme will give the opportunity to unemployed people to find jobs easily.

Punjab rozgar scheme 2023 online apply

In Pakistan, the Government Of Punjab is also trying its best to introduce such programs and activities to help support the social sector and restore economic activity in the most populated province. Today It has raised the Punjab Green Development Loan and Punjab Rozgar Loan with the collaboration of Commercial Banks to create livelihood opportunities for the common men.

Punjab Rozgar Scheme 2023 Online Apply: The Punjab Rozgar Scheme, offers eligible candidates a chance to secure government jobs in the state. You can apply online for the Scheme through the official website. The application deadline is 31st March, 2023. To be eligible for the Scheme, you must have passed Higher Secondary or equivalent examination from a recognized Board. You must also possess an Indian Passport or Permanent Resident Card. In addition, you should have resided in Punjab for at least 6 months before applying for the Scheme.

The Punjab Rozgar Scheme is a program run by the Government of Punjab, in collaboration with banks and financial institutions and civil society organisations. The purpose of the program is to support households in need to get economic stability. The Punjab Government has introduced Apna Rozgar Scheme for the first time. This Scheme is being offered to the farmer as an interest-free loan in order to help them start a business from their own farm.

Punjab rozgar scheme loan calculator

Under this scheme, soft loans will be provided to needy men, women, and the transgender community for rehabilitation of corona-affected businesses or to start new ventures. Punjab Rozgar Scheme has been designed with a special focus on generating employment opportunities for the youth by creating economic activities. University Graduates with Entrepreneurial Skills and Diploma / Certificate holders of Technical / Vocational Training Institutes, as well as existing businesses hit by COVID-19, will be considered.

The Punjab Rozgar Scheme is a government-sponsored investment Scheme that provides financial assistance to small and medium businesses in the province. The Scheme offers interest-free loans of up to Rs 10 lakh, with an annual interest rate of 3%. Eligible businesses must be registered with the Punjab State Industrial Development Corporation (PSIDC), and must have a minimum net worth of Rs 1 crore. To apply for a loan, businesses must complete the Punjab Rozgar Scheme Application Form (PDF).

CM Punjab Rozgar Scheme 2023 application form

The CM Punjab 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 Punjab

You should not have any criminal record

You should not be more than 55 years of age on 1st January, 2020

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

Punjab rozgar scheme last date to apply

Punjab Rozgar Scheme will create economic activities for the youth. The 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.

Punjab Rozgar Scheme login

The Punjab Rozgar Scheme is an employment-oriented program launched by the Government of Punjab in collaboration with the World Bank. The Scheme provides a set of incentives to employers who hire skilled workers from rural areas.

To be eligible for the Punjab Rozgar Scheme, an employer must first register with the government. Once registered, the employer can apply online for a job opening through the website of the Punjab Rozgar Authority. The application process involves filling out an application form, uploading relevant documents (such as a resume), and paying a registration fee.

Once approved, an employer can start hiring workers under the Scheme. Jobs under the Scheme are usually in sectors such as health care, education, and information technology. Workers hired through the Scheme receive a monthly salary plus benefits such as medical insurance and social security benefits.

The Punjab Rozgar Scheme offers a number of benefits to eligible candidates, including:

  • A monthly salary of Rs 15,000 (for lower grade jobs)
  • Free housing and medical benefits
  • Access to educational institutions and job training centers
  • A pension Scheme After completing your initial two years with the government, you will be eligible for retirement benefits.

Punjab Rozgar Scheme 2023 Eligibility Criteria

The following eligibility criteria will be adhered to to process the loans under Punjab Rozgar Scheme:

  • Age: 20 to 50 years
  • Gender: Male / Female / Transgender
  • Resident: Citizen of Pakistan, Resident in Punjab, verified through CNIC
  • Business Location: Punjab
  • Business Type: Sole Proprietor, Partnership, or any business fulfilling other eligibility criteria
  • Must have a clean e-CIB / Credit History
  • For startups / new businesses
  • Having a viable business plan
  • For existing businesses
  • Having a viable business plan with a focus to sustain the impact of COVID-19
  • Having Valid CNIC
  • Any other parameter to be set by Punjab Small Industries Corporation (PSIC) / Government

Punjab Rozgar Scheme 2023 Terms & Conditions:

Loan limit
  • Upto Rs. 10.00 Million
    • Clean lending:  from Rs. 100,000/- to Rs. 1,000,000/-
    • Secured lending: from Rs. 1,000,001/- to Rs. 10,000,000/-

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, having up to 10 numbers of employees.

Purpose of loan
  • Setting up of new business
  • Balancing, Modernization and Replacement (BM&R) for existing businesses
  • Working Capital
MSME Sector
  • Manufacturing, Service, Trading, Agriculture and Live Stock
  • (Environment Friendly / Quality Improving Micro Enterprises as defined above will also be considered under the Punjab Green Development Program)
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:
  • 4% for clean lending
  • 5% for secured lending
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 Lending

i.      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)


·     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.


b.   Property valuation may be established from Wealth Tax statement.


c.    Evaluation by Pakistan Banks Association (PBA) approved evaluator/agent


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.

Punjab Rozgar Scheme 2023 Schedule of Charges

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 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

Punjab Rozgar Scheme 2023 Apply Online Eligibility Criteria

Punjab Rozgar scheme 2023 Apply Online Eligibility Criteria

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.

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