Loan Products

Under Presidential Resolution PQ-210 of 1 June 2026, the National Bank of Uzbekistan runs the Kelajak Tadbirkorlari (Future Entrepreneurs) project within the Kelajakka Qadam programme: it lends on preferential terms to students and young people under 31 who want to turn a business idea into a company, and to the businesses that employ them.

All four loans carry an interest rate of Central Bank policy rate + 1% and are funded by the Fund for Reconstruction and Development of Uzbekistan. The terms below are those the National Bank has published; check the current terms and how to apply at nbu.uz or with the bank's contact centre on (78) 148-00-10.

• Purpose: financing the business ideas of self-employed graduates and young people taking their first step in business.
• Borrower: self-employed graduates and young people under 31 (individuals).
• Amount: up to UZS 20 million.
• Interest rate: Central Bank policy rate + 1%.
• Term: up to 18 months, with a grace period of up to 6 months.
• Security: an insurance company's policy against non-repayment.
• Funding source: the Fund for Reconstruction and Development of Uzbekistan.
• Conditions: no negative credit history; on the date of application the borrower is at least 18 and not older than 31.
• Grounds for refusal: a negative credit history; overdue loan debt.

• Purpose: financing the projects of graduates and young people who have the business skills and want to start their own business as an entrepreneur.
• Borrower: university graduates and young people registered as sole traders; companies whose founder or director is a university graduate or a young person.
• Amount: up to UZS 300 million.
• Interest rate: Central Bank policy rate + 1%.
• Term: up to 60 months for fixed assets (grace period up to 12 months); up to 36 months for working capital (grace period up to 6 months).
• Security: an insurance policy for loans up to UZS 100 million; liquid collateral above UZS 100 million.
• Funding source: the Fund for Reconstruction and Development of Uzbekistan.
• Conditions: a participant of the Kelajakka Qadam programme; no negative credit history; graduated no more than 5 years ago; aged 18 to 31 on the date of application.
• Grounds for refusal: a negative credit history; overdue loan debt.

• Purpose: financing the projects of students and young people who have started their own business and want to expand it.
• Borrower: university graduates and young people registered as sole traders; companies whose founder or director is a university graduate or a young person.
• Amount: up to UZS 2 billion (regardless of the client's existing loan debt).
• Interest rate: Central Bank policy rate + 1%.
• Term: up to 84 months for fixed assets (grace period up to 24 months); up to 36 months for working capital (grace period up to 6 months).
• Security: liquid collateral covering 125% of the loan amount.
• Funding source: the Fund for Reconstruction and Development of Uzbekistan.
• Conditions: a participant of the Kelajakka Qadam programme; no negative credit history; creates at least 2 jobs; graduated no more than 5 years ago; aged 18 to 31 on the date of application.
• Grounds for refusal: a negative credit history; overdue loan debt.

• Purpose: financing production and service projects of businesses that employ university graduates and young people under 31.
• Borrower: businesses that have hired university graduates or young people.
• Amount: up to UZS 10 billion (regardless of the client's existing loan debt).
• Interest rate: Central Bank policy rate + 1%.
• Term: up to 84 months for fixed assets (grace period up to 24 months); up to 36 months for working capital (grace period up to 6 months).
• Security: liquid collateral covering 125% of the loan amount.
• Funding source: the Fund for Reconstruction and Development of Uzbekistan.
• Conditions: at least one graduate or unemployed young person hired for every UZS 2 billion borrowed; if such an employment contract ends within two years, the loan moves to the commercial rate (unless another graduate or young person is hired in their place within a month); turnover on the business's account; the initiator funds at least 30% of the project.
• Grounds for refusal: a negative credit history; overdue loan debt.

The programme also organises and funds career preparation for university graduates:

• A competition among graduates awards the winners a stipend of up to 5 base calculation amounts (BCA) a month during their professional development period.
• Up to 50 BCA is granted for graduates to attend short courses at universities and companies abroad.
• The cost of preparing a business plan is covered.
• The Talaba Expo 2026 careers exhibitions help graduates and young people find jobs.