Ehsaas Naujawan Loan Program 2025

Ehsaas Naujawan Loan Program 2025: In a bold move to combat youth unemployment and support fresh entrepreneurial energy, the Government of Khyber Pakhtunkhwa has introduced the Ehsaas Naujawan Loan Program 2025. This initiative aims to financially empower young men, women, transgender individuals, madrasa students, and minorities through interest-free loans ranging from PKR 1 million to PKR 5 million. Backed by the Bank of Khyber, Akhuwat Islamic Microfinance, and the Directorate of Youth Affairs, this program offers a rare opportunity for Pakistan’s youth to transform business dreams into reality, without being crushed by interest or collateral requirements.

Let’s explore what makes this program a game-changer for the future of young Pakistanis.

What is the Ehsaas Naujawan Loan Program 2025?

The Ehsaas Naujawan Program is more than just a loan facility — it’s a movement to inspire self-employment, financial independence, and youth-led innovation across Khyber Pakhtunkhwa. Unlike traditional bank loans, which come with high interest and strict repayment terms, this scheme offers 100% interest-free financing to help youth build or grow their own businesses.

Whether you want to open a retail store, launch a tech startup, expand a family-run enterprise, or start a home-based service, this program is designed with you in mind.

Also Read:BISP Payments to Stop for Loan Takers in Punjab – 2025 Eligibility Update

Who Can Benefit from This Program?

Inclusivity is at the heart of this initiative. The program specifically targets marginalized and underserved segments of the youth population:

• Young men and women aged 18–35

• Transgender individuals

• Religious minority youth

• Madrasa students

• Youth from merged tribal districts

• Skilled individuals or graduates with viable business ideas

It’s a powerful tool to create equal opportunities regardless of background, education, or gender identity.

Loan Categories and Amounts

To cater to different types of businesses and investment needs, the government has split the loan offerings into two distinct categories:

1. Small Business Loans (Akhuwat Islamic Microfinance)

• Loan Amount: PKR 100,000 to PKR 500,000

• Interest: 0%

• Repayment Term: 3 to 5 years

• Collateral: Not required

• Where to Apply: Visit the nearest Akhuwat branch with your CNIC and business idea

This is ideal for small-scale entrepreneurs, home-based businesses, and youth starting with limited capital.

2. Large Business Loans (Bank of Khyber)

• Loan Amount: PKR 1 million to PKR 5 million

• Interest: 0%

• Repayment Term: Up to 8 years

• Collateral: Not required

• Apply Online: ehsaasnaujawan.bok.com.pk

Perfect for medium to large business setups, such as retail chains, agri-businesses, service-based industries, and tech ventures.

Eligibility Criteria – Who Can Apply?

To ensure fair distribution and accessibility, applicants must meet the following conditions:

• Age between 18 to 35 years

• Must be a permanent resident of Khyber Pakhtunkhwa (including merged districts)

• Possess a valid CNIC

• Have a clear and actionable business idea or plan

• Business must be based within KPK

• Strong encouragement for females, minorities, and transgender individuals

• Must have a clean credit history (e-CIB report)

Importantly, no higher education or professional degree is required — your idea and intent are what matter most.

Also Read:BISP May Payment Schedule and Distribution Details 2025

Who Is Not Eligible?

While the program is inclusive, some individuals are excluded to ensure integrity and proper fund utilization:

• Employees of the government, semi-government, or autonomous bodies

• Loan defaulters with overdue payments exceeding 60 days

• Individuals applying in their personal capacity (must be part of a registered business or group)

• Bank of Khyber employees and scheme consultants

• Businesses related to weapons, alcohol, explosives, or hazardous materials

How to Apply – Step-by-Step Process

For Bank of Khyber Loans (PKR 1M to 5M)

1. Visit: ehsaasnaujawan.bok.com.pk

2. Register and create your account

3. Fill out the online application form with complete details

4. Upload your CNIC and business proposal

5. Submit for review and processing

6. Await approval and disbursement

For Akhuwat Loans (PKR 100K to 500K)

1. Locate your nearest Akhuwat branch: Akhuwat Branch Locator

2. Visit with your CNIC and business idea

3. Fill out the application with the help of the Akhuwat staff

4. Submit the required documents and wait for a response

Why This Program Matters: Key Benefits

Here’s why thousands of youth across KPK are rushing to apply:

• ✅ Zero Interest – Say goodbye to burdensome markup

• ✅ No Collateral Required – Your business plan is your strength

• ✅ Long-Term Repayment – 3 to 8 years to repay, stress-free

• ✅ Inclusive Access – Women, trans, madrasa students, and minorities are all welcomed

• ✅ No Hidden Charges – Transparent processing

• ✅ Support for All Sectors – Retail, agriculture, tech, services — all eligible

• ✅ Empowers Local Economy – Jobs and businesses grow in your own district

Repayment Structure with Full Transparency

Both small and large loan options offer manageable repayment plans:

• Akhuwat Micro Loans: Repayment between 36 to 60 months

• Bank of Khyber Loans: Repayment time up to 8 years

• No processing fees, no interest, no property mortgage required

You get peace of mind, flexibility, and time to stabilize your business.

Quick FAQs – Ehsaas Naujawan Loan Program

Q: Is the loan really interest-free?
Yes, this program operates on an Islamic financing model and charges 0% interest.

Q: Can females and transgender individuals apply?
Absolutely. The program is built on inclusivity, and applicants from all genders and backgrounds are strongly encouraged.

Q: Do I need a registered business to apply?
For small loans – no. For large loans – yes, applicants must be part of a registered entity or partnership.

Q: Is this scheme available outside KPK?
No. Currently, this program is exclusive to residents of Khyber Pakhtunkhwa, including merged districts.

Support and Helpline

Need assistance or have questions? Reach out:

• 📞 Bank of Khyber Helpline: 091-111-265-265

• 🌐 Official Website: www.bok.com.pk

• 🟢 Application Portal: ehsaasnaujawan.bok.com.pk

• 🕌 Akhuwat Branch Info: akhuwat.org.pk/branch-network

Also Read: 8171 Web Portal: Check Status of Payment of BISP Program of 2025

Final Thoughts

The Ehsaas Naujawan Loan Program 2025 is not just another government scheme — it is a life-changing opportunity for Pakistan’s youth. With zero-interest financing, a simplified process, and full government backing, the program empowers young entrepreneurs to take charge of their financial future.

If you’ve been dreaming about starting a business but lacked capital or faced rejection from banks, now is your chance.

Unlock your potential. Apply today. Build tomorrow.