KPK Ehsaas Naujawan Program 2025
The Ehsaas Naujawan Program 2025 is a landmark initiative launched by the Government of Khyber Pakhtunkhwa under the leadership of Chief Minister Ali Amin Khan Gandapur. This ambitious scheme, implemented in collaboration with the Bank of Khyber and Akhuwat Islamic Microfinance, aims to transform the youth of KPK by offering them interest-free loans ranging from 100,000 to 5 million.
With a strong focus on financial inclusion, entrepreneurship development, and economic empowerment, the Ehsaas Naujawan Program opens doors for youth, including transgender individuals, minorities, madrasa students, and women to become financially self-sufficient and contribute meaningfully to the province’s economy.
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Objectives of the Ehsaas Naujawan Program
The objectives of the Ehsaas Naujawan Program for the youth of KPK are given below
- Strengthening the startup ecosystem in Khyber Pakhtunkhwa
- Youth empowerment through self-employment opportunities
- Promotion of entrepreneurship across KPK
- Social inclusion for marginalized groups such as women, transgenders, madrasa students, and minorities
- Boosting local economies through small and medium enterprises
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Eligibility Criteria For Application
To ensure transparency and targeted outreach, applicants must meet the following conditions:
- Must be a permanent resident of Khyber Pakhtunkhwa, including the merged districts
- Age should be between 18 to 35 years
- Possess a valid CNIC and registered mobile number
- Must have a clear and viable business idea
- Business must be located in KPK
- Females, transgender individuals, madrasa students, and minorities are strongly encouraged to apply
- Should have a credit information record
- No prior business experience or academic degree is required
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Who is Ineligible?
Certain groups are not eligible for this scheme, including:
- Employees of government, semi-government, or autonomous bodies
- Applicants who are loan defaulters with overdue payments over 60 days
- Employees or consultants associated with the Bank of Khyber or Akhuwat
- Businesses dealing with arms, alcohol, explosives, or radioactive materials
Loan Categories and Terms
The program offers two distinct categories of loans based on the size of the business and investment required:
Small Business Loans via Akhuwat Islamic Microfinance
These loans are designed for micro or home-based entrepreneurs, especially for women and low-income youth.
- Loan Amount: PKR 100,000 to PKR 500,000
- Interest Rate: 0%
- Repayment Period: 36 to 60 months
- Collateral: Not required
- Application Method: In-person visit to the nearest Akhuwat branch
Large Business Loans via Bank of Khyber
These are meant for medium to large business ventures across industries like technology, manufacturing, services, or retail.
- Loan Amount: PKR 1 million to PKR 5 million
- Interest Rate: 0%
- Repayment Period: Up to 8 years
- Collateral: Not required
- Application Method: Online through ehsaasnaujawan.bok.com.pk
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Step-by-Step Application Process Online
You can apply for the loan by sitting at home. You have to go to the ehsaasnaujawan.bok.com.pk portal and complete your registration by enter all the given information.
Business Information:
- Business Name: Enter your business or entity name
- Managing Partner Name: Enter the managing director or partner’s full name
- CNIC/Identity Card: Enter valid CNIC number (13 digits without dashes)
- No. of Partners: Select total number of business partners
Personal Information:
- Enter your full name and your father’s name
- Select the Date of Birth and select issuance and expiry dates
- Enter CNIC number
- Enter mobile number and email address
- Select gender: male/female/transgender
- Select marital status
- Primary SIM on your name: Yes/No dropdown
- Enter total dependents in your family and select qualification from dropdown
- Enter details of any technical education and select disability option if applicable
- Enter current and permanent address
- Select your district and tehsil for both addresses
Document Upload:
- Upload your recent passport-size photograph
- Upload scanned front and back sides of CNIC
Loan Repayment – Stress-Free and Transparent
One of the most attractive features of this program is its flexible repayment plans, which allow beneficiaries ample time to establish their businesses without financial pressure.
- Bank of Khyber Loans: Up to 8 years repayment
- Akhuwat Loans: 36 to 60 months
- No hidden charges, processing fees, or interest
- No property or asset collateral required
The Ehsaas Naujawan Loan is 100% interest-free. Borrowers will repay the original amount only within the defined time frame, without any hidden costs.
How Ehsaas Naujawan Program 2025 is Bridging the Gap Between Skills and Self-Employment in KPK
The Ehsaas Naujawan Program 2025 not only offers financial assistance but also plays a vital role in transforming the skills of Khyber Pakhtunkhwa’s youth into sustainable sources of income. Many young individuals, including madrasa students, vocational trainees, and low-income youth, possess technical talents but lack the capital to convert those skills into business ventures. This initiative bridges that gap by providing zero-interest loans, enabling them to launch startups, open service-based shops, or expand existing home-based businesses without financial pressure.
Moreover, the program encourages self-reliance by supporting youth from all walks of life, regardless of formal education or prior business experience. By focusing on inclusion and empowering those traditionally left out of economic development—such as women, transgender individuals, and minorities—it fosters a new wave of grassroots entrepreneurship. This results in stronger local economies, reduced unemployment, and a future where skills and innovation lead the way to prosperity.
Key Benefits of the Program
There are many benfits of the Ehsaas Naujawan Program. Some of them are given below
- Zero-interest loans are Islamic finance compliant
- No collateral or service fees
- Access to financing for the first time for many underserved communities
- Encouragement for youth to contribute to the province’s economy
- Business support through financial training and mentorship
- Youth-friendly online and offline application methods
- Government-backed, ensuring credibility and transparency
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Contact and Support Details
If you need assistance or want to know more about the loan application, you can contact:
- Bank of Khyber Helpline: 091-111-265-265
- Website: www.bok.com.pk
- Loan Portal: ehsaasnaujawan.bok.com.pk
- Akhuwat Branches: akhuwat.org.pk/branch-network
Final Thoughts
The Ehsaas Naujawan Loan Program 2025 stands as a beacon of hope for the youth of Khyber Pakhtunkhwa. It represents more than just financial assistance. It is a commitment from the government to build a future rooted in self-reliance, dignity, and opportunity. With inclusive eligibility, zero-interest loans, and a simple application process, this program is a powerful tool to fuel grassroots entrepreneurship and spark an economic revival across the province.
Whether you’re an ambitious graduate, a female entrepreneur, a member of the transgender community, or a skilled madrasa student, this is your chance to turn your dream into reality.
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FAQS
What is the Ehsaas Naujawan Loan Program 2025?
The Ehsaas Naujawan Loan Program offers interest-free loans ranging from 100,000 to 5 million to empower youth, especially marginalized groups, in Khyber Pakhtunkhwa.
Who is eligible to apply for the Ehsaas Naujawan Loan?
Applicants must be between 18-35 years old, a permanent resident of KPK, and have a clear business idea, among other criteria.
What are the two types of loans offered under this program?
The program offers Small Business Loans via Akhuwat 100,000 to 500,000 and Large Business Loans via Bank of Khyber (PKR 1 million to 5 million).
What is the repayment period for these loans?
Akhuwat loans have a repayment period of 36 to 60 months, while Bank of Khyber loans offer up to 8 years for repayment.
How can one apply for the Ehsaas Naujawan Loan?
Applications can be submitted online through the Bank of Khyber’s portal or in-person at an Akhuwat branch, depending on the loan category.