How to Apply for Ehsaas Interest-Free Loans
How to Apply for Ehsaas Interest-Free Loans: The Government of Khyber Pakhtunkhwa has launched a game-changing initiative for young Pakistanis, the Ehsaas Naujawan Loan Program 2025. If you’re between 18 and 35 years old and dreaming of starting or expanding your own business, this program could be your ticket to success. With interest-free loans of up to PKR 5 million and no collateral required, this program aims to create thousands of new entrepreneurs and job creators across the province.
What is the Ehsaas Naujawan Loan Program 2025?
The Ehsaas Naujawan Loan Program is a youth-focused, interest-free financing scheme launched by the Government of KPK in partnership with:
- Bank of Khyber (BoK)
- Akhuwat Islamic Microfinance
- Directorate of Youth Affairs
The goal is simply to empower young people to become financially independent, start their businesses, and contribute to the local economy without paying a single rupee in interest. Whether your goal is to launch a small home business or a large-scale company, this program is designed to help you take that first step confidently and affordably.
Who Can Apply?
The Ehsaas Naujawan Loan Program is open to a wide range of individuals in KPK. Eligibility requires meeting the following criteria:
- Age: Between 18 and 35 years
- Residency: Permanent resident of Khyber Pakhtunkhwa (including merged districts)
- CNIC: Applicants must possess a valid CNIC.
- Business Plan: You should have a feasible and clear business idea
- Location: The Business must be based in KPK
Who is eligible to apply?
The program ensures the inclusion of groups that are often left out. These include:
- Women
- Transgender individuals
- Madrasa students
- Religious and ethnic minorities
No formal education or prior business experience is required, but you must have a clean e-CIB credit history.
Not Eligible?
Unfortunately, not everyone can apply. You are not eligible if:
- You are applying individually without being part of a registered group or business
- You are employed by a government, semi-government, or autonomous entity
- The loan you took out is more than 60 days past due
- You are employed by the Bank of Khyber or are an external consultant
- Your business involves arms, alcohol, explosives, or radioactive materials
Loan Categories & Amounts
The program offers two types of interest-free loans, tailored for different business sizes:
Small Business Loans
- Loan Amount: In the range of PKR 1 to 5 million
- Interest Rate: 0% (completely interest-free)
- Repayment Period: 3 to 5 years
- Collateral: None required
- Best for: Home-based businesses, small shops, services
Large Business Loans
- Loan: PKR 1–5 million
- Interest Rate: 0% interest
- Repayment Period: Up to 8 years
- Collateral: None required
- Best for: Retail, startups, agriculture, tech ventures
BISP Phase II Payments Start Next Week – Full District-Wise List, Payout Details & How to Claim
Step-by-Step Guide to Applying for Ehsaas Naujawan Loan
You can avail of the loan by following the details given below, which are briefly explained.
For Large Business Loans (PKR 1M–5M via Bank of Khyber)
- Visit the official portal: ehsaasnaujawan.bok.com.pk
- Fill out the online application form
- Upload your CNIC and a clear business plan
- Submit and wait for approval
For Small Business Loans (PKR 100K–500K via Akhuwat)
- Find your nearest Akhuwat branch: akhuwat.org.pk/branch-network
- Go to the branch with your CNIC and business concept.
- Fill out the loan application form
- Submit the required documents and wait for confirmation
Flexible Repayment Plans – No Hidden Costs
Both loan types come with flexible repayment terms:
- Bank of Khyber Loans: Up to 8 years to repay
- Akhuwat Loans: 3 to 5 years repayment window
- No interest, no markup
- No processing fees
- No collateral or property security required
This structure gives youth financial breathing space while they grow their business.
Key Benefits of the Ehsaas Naujawan Loan Program
- 100% Interest-Free Loans
- Inclusive Access is Open to all youth, especially underrepresented groups
- No collateral or security required
- Suitable for a wide range of business types
- Long repayment periods
- No processing charges
- Government-backed, Safe, and credible
- District-wise allocation ensures fair distribution of funds
Good News! Ineligible Families Can Now Reapply for BISP After 2 Years
Contact Support
For questions or assistance, reach out using the official channels below:
- Bank of Khyber Helpline: 091-111-265-265
- Official Website: www.bok.com.pk
- Loan Portal: ehsaasnaujawan.bok.com.pk
- Akhuwat Branch Locator: akhuwat.org.pk/branch-network
Final Word
The Ehsaas Naujawan Loan Program 2025 is more than just a financial scheme — it’s a lifeline for the youth of KPK. With zero interest, no hidden costs, and an inclusive approach, this program gives young people the support they need to start their journey as entrepreneurs.