Tadbirkorlikka ilk qadam
Who it is for: Self-employed graduates and young people taking their first step into business
- Loan amount
- Up to 20 million UZS
- Loan term
- Up to 18 months
- Grace period
- Up to 6 months
- Interest rate
- Central Bank base rate +1%
To support young people and graduates of higher education institutions, financial assistance and concessional loans are offered across several strands of the “Kelajakka qadam” programme.
The programme opens up wide opportunities for young people who plan to start their own business, learn a trade, upgrade their qualifications, or study and gain experience abroad.
Programme strands
- Tadbirkorlikka ilk qadam
- Biznes start
- Biznes progress
- Talaba invest
- Mening birinchi kasbim
Under the programme you will be able to
Start and grow your own business
Learn a trade and upgrade your qualifications
Create new jobs
Study abroad and gain practical experience
If you have a promising idea, use the “Kelajakka qadam” programme to make it happen.
Loan products
Biznes start
Who it is for: Graduates and young people with the necessary business skills who intend to start an independent business as a registered entrepreneur
- Loan amount
- Up to 300 million UZS
- Loan term
- Up to 5 years (up to 36 months for working capital)
- Grace period
- Up to 1 year (up to 6 months for working capital)
- Interest rate
- Central Bank base rate +1%
Requirements
- •The borrower must be the director or a founder
- •Collateral is required (up to 100 million UZS — on the basis of an insurance policy)
- •No adverse credit history
- •No overdue debt
Biznes progress
Who it is for: Students and young people who have started an independent business as a registered entrepreneur and aim to expand it
- Loan amount
- Up to 2 billion UZS
- Loan term
- Up to 7 years (up to 36 months for working capital)
- Grace period
- Up to 2 years (up to 6 months for working capital)
- Interest rate
- Central Bank base rate +1%
Requirements
- •The borrower must be the director or a founder
- •Collateral is required
- •At least 2 jobs must be created
- •No adverse credit history
- •No overdue debt
Talaba invest
Who it is for: Businesses employing students and young people under the age of 31
- Loan amount
- Up to 10 billion UZS
- Loan term
- Up to 7 years (up to 36 months for working capital)
- Grace period
- Up to 2 years (up to 6 months for working capital)
- Interest rate
- Central Bank base rate +1%
Requirements
- •At least 1 graduate must be hired for every billion UZS borrowed; if the condition is not met the rate switches to the commercial rate
- •Collateral is required
- •No adverse credit history
- •No overdue debt
Mening birinchi kasbim
This strand is not a loan: it organises and funds professional training for graduates of higher education institutions.
- Graduates compete for a monthly stipend of up to 5 BCU (basic calculation units) for the duration of the training
- Up to 50 BCU is allocated for short courses at foreign universities and companies
- The cost of preparing a business plan is reimbursed
- Following the “Talaba Expo 2026” career fairs, graduates and young people are helped into employment
Further information
Lending terms, the list of documents and the application procedure are set by the National Bank of Uzbekistan.
Programme information sheets
This summary is based on official materials published by the National Bank of Uzbekistan and is provided for information only. Terms may change — see nbu.uz for the full and final conditions.
