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Kelajakka qadam

Under the “Kelajakka qadam” program, a range of financial support opportunities is being offered to youth and graduates.

The program is implemented by the National Bank of Uzbekistan (NBU) and aims to finance the business projects of higher education graduates, support their professional development, and ensure their employment.

Main Directions Under the Program

“Tadbirkorlikka ilk qadam” credit product
Credit Product

“Tadbirkorlikka ilk qadam”

For self-employed individuals and youth planning to take their first step into business.

Loan amountUp to 20 mln soum
TermUp to 18 months
Grace periodUp to 6 months
Interest rateCB base rate +1%
Details
“Biznes start” credit product
Credit Product

“Biznes start”

For graduates and youth who have the necessary business skills and intend to start an independent business as a business entity.

Loan amountUp to 300 mln soum
TermUp to 5 yearsUp to 36 months for working capital
Grace periodUp to 1 yearUp to 6 months for working capital
Interest rateCB base rate +1%
  • The borrower must be a director or founder.
  • Collateral is required (up to 100 mln soum: based on an insurance policy).
  • The borrower must not have a negative credit history.
  • The borrower must not have overdue debts.
Details
“Biznes progress” credit product
Credit Product

“Biznes progress”

For students and youth who have already started an independent business as a business entity and aim to expand their operations.

Loan amountUp to 2 bln soum
TermUp to 7 yearsUp to 36 months for working capital
Grace periodUp to 2 yearsUp to 6 months for working capital
Interest rateCB base rate +1%
  • The borrower must be a director or founder.
  • Collateral is required.
  • At least 2 jobs must be created.
  • The borrower must not have a negative credit history.
  • The borrower must not have overdue debts.
Details
“Talaba invest” credit product
Credit Product

“Talaba invest”

For business entities that employ students and youth under the age of thirty-one.

Loan amountUp to 10 bln soum
TermUp to 7 yearsUp to 36 months for working capital
Grace periodUp to 2 yearsUp to 6 months for working capital
Interest rateCB base rate +1%
  • For every billion soum of funds, at least 1 graduate must be hired (if conditions are not met, the loan interest rate is changed to the commercial rate).
  • Collateral is required.
  • The borrower must not have a negative credit history.
  • The borrower must not have overdue debts.
Details
“Mening birinchi kasbim” project
Project

“Mening birinchi kasbim”

Organizing and financing processes to prepare higher education graduates for their profession.

  • A competition is held among higher education graduates, and a monthly stipend of up to 5 BHM is allocated for the professional development period.
  • Graduates are allocated up to 50 BHM to attend short-term courses at higher education institutions and enterprises abroad.
  • Business plan preparation expenses are reimbursed.
  • Based on the results of the “Talaba Expo 2026” career fair, assistance is provided in ensuring the employment of graduates and youth.

Opportunities Created Through These Projects

Starting and Expanding a Business

Move from an idea to a real project with financial support.

Professional Training and Skills Development

Opportunities for graduates in professional preparation, stipends, and skills development.

Creating New Jobs

Preferential financing for business entities that ensure youth employment.

Studying and Gaining Experience Abroad

Funds for short-term courses at higher education institutions and enterprises abroad.

Now it is your turn to turn your idea into a real project!

Review the program terms and the list of required documents on the official NBU website.

Details — nbu.uz (78) 148 00 10