Interest-Free Loans
The Government of Khyber Pakhtunkhwa has launched a powerful initiative for its youth, the Ehsaas Naujawan Loan Program 2025. This program offers interest-free loans up to PKR 5 million to young people across the province, helping them turn their business dreams into reality without the burden of interest or collateral. With the joint efforts of the Bank of Khyber, Akhuwat Islamic Microfinance, and the Directorate of Youth Affairs, this initiative is designed to promote self-employment, financial independence, and entrepreneurship among youth from all backgrounds, including women, transgender persons, madrasa students, and minority groups.
What is the Ehsaas Naujawan Loan Program?
The Ehsaas Naujawan Loan Program 2025 is a youth-centered, interest-free loans scheme launched to support ambitious individuals between the ages of 18 and 35. Whether you want to start a home-based business or a large-scale enterprise, this program gives you access to much-needed financial support without interest or collateral requirements. It’s not just a loan, it’s a mission to empower a new generation of Pakistani entrepreneurs and reduce unemployment across KPK.
No BISP Payments in Punjab for Loan Recipients – 2025 Eligibility Rules
Who Can Apply?
This loan scheme removes barriers to include as many young people as possible. The following individuals are eligible:
Permanent residents of Khyber Pakhtunkhwa, including merged districts
- Age between 18 to 35 years
- Holders of a valid CNIC
- Have a clear and feasible business idea
- Business must be located in KPK
List of People Eligible for Loans in 2025 Released
The Khyber Pakhtunkhwa government has stated that the following individuals will be included in this loan, the details of which are given below.
- Women
- Transgender persons
- Madrasa students
- Minorities
- No formal degree or business experience required
- Must have a clean e-CIB (loan repayment) record
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Who is Not Eligible?
Some people may not qualify for a loan; the main reasons for this are summarized below.
- Those applying as individuals without being part of a registered group or firm
- Employees of the government, semi-government, or autonomous bodies
- Loan defaulters with over 60 days overdue
- Bank of Khyber employees or any professionals involved in external consultancy
- Businesses dealing in arms, alcohol, explosives, or radioactive materials
Loan Categories & Amounts
To suit different business needs, the Ehsaas Naujawan Program offers two types of loans:
Small Business Loans (via Akhuwat Islamic Microfinance)
- Amount: PKR 100,000 to 500,000
- Interest Rate: 0% (completely interest-free)
- Repayment Period: 3 to 5 years
- Collateral: None required
Large Business Loans (via Bank of Khyber)
- Amount: PKR 1 million to 5 million
- Interest Rate: 0% interest
- Repayment Period: Up to 8 years
- Collateral: None required
Suitable for retail stores, startups, services, agriculture, or tech businesses.Ideal for micro or home-based businesses.
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How to Apply – Step-by-Step Guide
If you would like to submit your application, please follow the instructions below.
- Get Up to PKR 5 Million in Loans via Bank of Khyber
- Visit the portal: https://ehsaasnaujawan.bok.com.pk
- Fill out the online application form
- Attach your CNIC and business plan
Submit your Application
You can complete your application by following the easy steps below, which are outlined below.
- For Akhuwat Loans (PKR 100K – 500K)
- Locate your nearest Akhuwat branch
- Visit with your CNIC and business idea
- Fill out the application and submit documents
- Wait for confirmation and loan disbursement
Repayment Plans – No Hidden Fees
The Ehsaas Naujawan loans come with flexible repayment options and no hidden costs:
- BOK Loans: Flexible repayment period of up to 8 years
- Akhuwat Loans: 3 to 5 years repayment
- No processing fee
- No interest or markup
- No property collateral required
This gives young entrepreneurs the breathing space they need to launch and grow their businesses without financial stress.
Major Benefits of the Ehsaas Naujawan Loan Program
The key features and benefits of this program are explained below, and how it can benefit young people.
- Empowers youth to become self-reliant and job creators
- Includes women, transgender individuals, madrasa students, and minorities
- 100% interest-free, with no collateral or processing fees
- Supports all types of businesses from retail to tech to agriculture
- Promotes economic development in local communities
- Ensures district-wise fair allocation of funds
- Backed by the Government of Khyber Pakhtunkhwa, making it safe and credible
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Need Help? Contact Support
If you need any guidance or instructions regarding this program, you can get your information by following the steps given below.
Bank of Khyber Helpline: 091-111-265-265
Official Website: www.bok.com.pk
Loan Application Portal: ehsaasnaujawan.bok.com.pk
Akhuwat Branch Network: https://akhuwat.org.pk/branch-network
Final Thoughts
The Ehsaas Naujawan Loan Program 2025 is more than just a government initiative — it’s a lifeline for thousands of young people in KPK. With 0% interest, no collateral, and inclusive eligibility, this program is a golden opportunity for those ready to take charge of their future. Whether you’re dreaming of launching a tech startup, opening a small shop, or expanding a family business, now is your chance.