Ehsaas Nojawan Program in KPK: Complete Details on Interest-Free Loans 2025
The Ehsaas Nojawan Program is an initiative by the Government of Khyber Pakhtunkhwa (KPK) aimed at empowering young individuals by providing them with interest-free loans. This program is designed to help young entrepreneurs start their businesses and achieve financial independence.
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Program Details
Duration and Budget
- This is a three-year program launched in 2025.
- The total budget allocated is PKR 3 billion, with PKR 1.1 billion set aside for the current fiscal year.
Key Components of the Program
The Ehsaas Nojawan Program consists of two major components:
1. Partnership with the Bank of Khyber (BoK)
- Loan Amount: PKR 1 million to 5 million
- Eligibility Age: 18 to 35 years
- Group Requirement: 3 to 5 individuals per application
- Repayment Plan: Up to 8 years, with an initial 20-month grace period (no repayments required during this period)
2. Partnership with Akhuwat Microfinance Bank
- Loan Amount: PKR 100,000 to 500,000
- Eligibility Age: 18 to 40 years
- Purpose: Funding for small-scale business ventures
- Special Quota: Reserved slots for women and differently-abled individuals
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Eligibility Criteria
To qualify for the Ehsaas Nojawan Program, applicants must meet the following requirements:
- Age: 18 to 35 years (for small loans, up to 40 years)
- Residence: Must be a permanent resident of Khyber Pakhtunkhwa (KPK)
- Business Plan: Applicants must have a viable business idea or an existing small-scale business
- Group Formation: For large loans, applicants must form a group of 3 to 5 members
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How to Apply?
Applying through the Bank of Khyber (BoK)
- Visit the official Bank of Khyber website.
- Fill out the online application form.
- Submit required documents, including:
- CNIC copy
- Passport-size photographs
- Educational certificates (if applicable)
- Guarantor’s financial documents
- After submission, the application will be reviewed, and eligible candidates will be contacted.
Applying through Akhuwat Microfinance Bank
- Visit the nearest Akhuwat Microfinance Bank branch.
- Obtain and fill out the loan application form.
- Submit necessary documents, including:
- CNIC copy
- Passport-size photographs
- Business plan
- Once the application is processed and approved, the loan will be disbursed.
Additional Information & Support
- For more details and assistance, applicants can contact the respective bank’s helpline or visit their nearest branch.
- Online resources and portals are also available to guide applicants through the application process.
Conclusion
The Ehsaas Nojawan Program is a golden opportunity for the youth of Khyber Pakhtunkhwa to start their businesses without the burden of interest-based loans. This initiative will not only help reduce unemployment but also contribute to the economic growth of the province.