The Khyber Pakhtunkhwa government, under the leadership of Chief Minister Ali Amin Gandapur, has officially launched the Ehsaas Nojawan Program to address the growing challenges of unemployment and limited access to business financing in Pakistan. This initiative aims to provide loans to young people to start both small and large businesses. With financial support ranging from one lakh to five lakh rupees for small enterprises, and extending up to ten lakhs or even fifty lakhs for larger ventures, this program promises to remove financial barriers and prevent youth from being held back by insufficient funding. Through Akhuwat Islami Microfinance Institute and the Bank of Khyber, these funds will be disbursed without interest, allowing recipients to repay over a flexible period of eight years.
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Ehsaas Nojawan Program 2025
The objective of the Ehsaas Naujawan Programme is to create the best business opportunities by recognizing the immense potential of youth across the province. However, due to limited financial resources, many such programs often remain constrained. This initiative also emphasizes quality training and support for new ideas and startups. Youth can apply online through a complete procedure explained in detail. Additionally, visiting the nearest Islamic Brotherhood Mayo Karo Finance Institute will guide applicants through the application process. This initiative represents a bold move towards socio-economic development, with clear objectives set to transform the economic landscape of KP’s economic development.
The CM Khyber Pakhtunkhwa has announced a budget of PKR 3 billion for this scheme, targeting individuals aged 18-35 years. The focus remains on empowering marginalized groups, including women, minorities, and the disabled, ensuring they are prioritized to tap into their hidden potential. By addressing deep-rooted causes such as the lack of quality training and the crisis of insufficient funding, the government seeks to enable young entrepreneurs to contribute meaningfully to the economic development of the region.
Loan Structure for Business Ventures
The Ehsaas Nojawan Program is designed to support young people by offering two types of loans based on the size and scale of their business venture. Whether someone is starting small ventures or planning larger ventures, the program provides tailored financial solutions to ensure access to necessary funds without creating a burden of interest or requiring collateral.
- Small Business Loans:
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- For individuals aiming to start small ventures, the program offers financial assistance ranging from PKR 100,000 to PKR 500,000.
- These loans are provided through the Akhuwat Islamic Microfinance Institute to make financial resources accessible to those in need.
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- Large Business Loans:
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- For larger ventures, loans range from PKR 1 million to PKR 5 million.
- These funds are distributed by the Bank of Khyber, ensuring effective financial management for bigger projects.
The structure of these loans is carefully planned to ensure that both small businesses and large businesses can thrive. By eliminating interest and collateral requirements, the program promotes entrepreneurship and creates opportunities for a wider audience.
This initiative is a step towards empowering young people to establish sustainable businesses, ultimately contributing to the nation’s economic growth. Through this thoughtful structure, financial access becomes easier, allowing every aspiring entrepreneur to dream big and achieve success.
Access to Interest-Free and Collateral-Free Loans
One of the unique aspects of the Ehsaas Naujawan Programme is its provision of interest-free loans, effectively reducing the financial stress often linked with borrowing. These loans are also collateral-free, removing the barrier of asset requirements that typically hinder youth from securing financial aid through traditional methods.
This feature ensures that even individuals from less privileged backgrounds can confidently pursue their business dreams without the burden of financial anxiety. By making funding more accessible, the program creates an inclusive financial environment where struggling entrepreneurs can find opportunities to succeed
Step-by-Step Guide for Loan Registration
The Ehsaas Nojawan Program offers financial support to youth in Khyber Pakhtunkhwa through small business loans and large business loans. The application process varies depending on the type of loan and is designed to be straightforward and accessible. Whether you’re applying through the Akhuwat Islamic Microfinance Institute for smaller loans or the Bank of Khyber (BOK) for larger ones, the registration follows a structured step-by-step guide to ensure transparency and ease. Below is a simplified overview of the registration process for both categories.
- Visit the Nearest Akhuwat Branch: Locate your branch through the Akhuwat Branch Locator available on the Akhuwat branch network page.
- Fill Out the Loan Application Form: Provide all required details accurately.
- Submit Required Documents: Include proof of identity, residency, and a business plan.
- Online Loan Application Portal: For larger loans, apply through the online loan application portal provided by the Chief Minister of Khyber Pakhtunkhwa.
- Present Viable Business Plans: Prepare and demonstrate a well-thought-out business proposal.
- Meet Eligibility Criteria: Ensure you meet all eligibility criteria before submission.
- Application Review: Your application will undergo business proposal evaluation and, once approved, funds will be disbursed to your account.
This streamlined process ensures that individual youth, partners, and clusters in Khyber Pakhtunkhwa have fair and equal opportunities to access interest-free loans and contribute to the region’s economic development effectively.
Ehsaas Nojawan Program KPK Online Registration
The Ehsaas Nojawan Program in KPK offers large loans for expanded business ventures through the Bank of Khyber. The online registration process is streamlined to make access easier for applicants. Below are the key steps to follow:
- Online Application: Visit the official portal hosted by the Bank of Khyber Ehsaas Nojawan Portal.
- Fill Out Online Form: Complete the online application form with accurate details to ensure a smooth review process.
- Upload Required Documents: Submit essential documents, including a valid CNIC, a well-prepared business plan, and proof of residence.
- Application Processing: The Bank of Khyber will review your application carefully.
- Approval and Disbursement: Once approved, the loan will be disbursed directly to your account.
This clear and accessible application process ensures that youth in KPK can secure large loans for their expanded business ventures without unnecessary complications.
Flexible Loan Repayment Structure
The Ehsaas Nojawan Program offers well-structured repayment terms designed to provide a flexible financial pathway for youth to establish businesses successfully. Both Bank of Khyber Loans and Akhuwat Islamic Microfinance Loans come with unique features to ensure manageable installments and minimize the financial burden on young entrepreneurs.
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Bank of Khyber (BOK) Loan Terms:
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- The loans come with an 8-year repayment term and a 20-month grace period to offer sufficient time for businesses to stabilize.
- Interest-free financing ensures that no additional financial stress is placed on applicants.
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Akhuwat Islamic Microfinance Loan Terms:
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- These loans offer repayment durations of 36 months to 60 months under Shariah-compliant principles.
- The Shariah-compliant structures ensure transparency and fairness in financial dealings.
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Phased Repayment Plan:
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- The repayment process is divided into phases, allowing businesses to repay gradually without overwhelming financial pressure.
- The initial grace period gives entrepreneurs time to stabilize their operations before repayments begin.
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Support for Collaboration and Growth:
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- The program promotes group collaboration through a cluster-based approach, encouraging teamwork and shared business responsibilities.
- Special focus on marginalized groups, including women, minorities, and underserved groups, ensures equitable access to resources and financial support.
This structured approach ensures that young entrepreneurs can build and start their businesses confidently. With interest-free financing and supportive repayment terms, the Ehsaas Nojawan Program creates an enabling environment for sustainable growth and success.
Conclusion
The Ehsaas Nojawan Program is a vital initiative aimed at nurturing entrepreneurship and helping youth become active economic participants in Khyber Pakhtunkhwa. By offering small business loans and funding for larger ventures, the program ensures accessible, interest-free financing to support young entrepreneurs in achieving their goals. Whether you visit the nearest Akhuwat branch or apply online through the Bank of Khyber portal, every first step brings you closer to turning your dreams into reality. With a focus on training support, this program provides essential tools to enable sustainable businesses and foster long-term economic growth in the province.
This 2025 initiative stands out for its commitment to empowering the next generation and creating a vibrant local development ecosystem. By promoting entrepreneurship, it aims to create jobs and shape a prosperous future not just for individuals but for the country as a whole. The program’s continuous rolling of funds ensures ongoing opportunities, helping young entrepreneurs lead confidently and contribute to the economic progress of Khyber Pakhtunkhwa. Now is the time to take the first step today and embrace the transformative potential of this initiative.
