Ehsaas Naujawan Loan Program 2025 – Interest-Free Loans for Youth in Khyber Pakhtunkhwa

The Government of Khyber Pakhtunkhwa has introduced a powerful new initiative to empower young individuals across the province — the Ehsaas Naujawan Loan Program 2025. This interest-free loan scheme is designed to promote entrepreneurship and financial independence among youth, including men, women, transgender individuals, madrasa students, and minorities. Ehsaas Naujawan Loan

Launched in collaboration with the Directorate of Youth Affairs, Bank of Khyber, and Akhuwat Islamic Microfinance, the program offers both micro and large-scale financing options without any interest or collateral requirements. Ehsaas Naujawan Loan

Overview of the Ehsaas Naujawan Loan Program 2025

Thousands of educated and skilled young people in KPK face unemployment or lack the capital to start their own businesses. The Ehsaas Naujawan Program bridges this gap by providing interest-free loans ranging from PKR 100,000 to PKR 5 million. The aim is to build a self-reliant, entrepreneurial generation that can contribute to sustainable economic growth.

Who Is Eligible?

Eligibility Criteria

To qualify for the Ehsaas Naujawan Loan Program 2025, applicants must meet the following conditions:

• Be a permanent resident of Khyber Pakhtunkhwa, including merged districts

• Aged between 18 to 35 years

• Possess a valid CNIC

• Have a viable and clear business idea

• The business must be based in KPK

• Must have a clean e-CIB (credit) record

• No formal education or business experience required

• Females, transgender individuals, madrasa students, and minorities are strongly encouraged to apply

Who Cannot Apply?

Certain individuals are ineligible for this program, including:

• People applying individually without forming a registered group or entity

• Government or semi-government employees

• Individuals with loans overdue by more than 60 days

• Employees of Bank of Khyber or associated consultants

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

Loan Categories & Financing Options

1. Small Business Loans via Akhuwat Islamic Microfinance

Ideal for home-based or micro-enterprises.

• Loan Amount: PKR 100,000 – 500,000

• Interest Rate: 0% (completely interest-free)

• Repayment Period: 3 to 5 years (36–60 months)

• Collateral: Not required

2. Large Business Loans via Bank of Khyber

Designed for medium to large business ventures.

• Loan Amount: PKR 1 million – 5 million

• Interest Rate: 0% (interest-free)

• Repayment Period: Up to 8 years

• Collateral: Not required

Whether you’re starting a retail store, tech company, agricultural enterprise, or manufacturing unit, this program provides flexible financing tailored to your goals. Ehsaas Naujawan Loan

How to Apply: Step-by-Step Guide

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

1. Visit: https://ehsaasnaujawan.bok.com.pk

2. Fill out the online application form

3. Attach your CNIC and business plan

4. Submit and wait for verification and approval

For Loans via Akhuwat (PKR 100K to 500K)

1. Locate your nearest Akhuwat branch: https://akhuwat.org.pk/branch-network

2. Visit in person with your CNIC and business idea

3. Fill out the application and submit supporting documents

4. Wait for assessment and loan disbursement

The loan distribution is based on district-wise population to ensure fair and equal access to youth across all regions of Khyber Pakhtunkhwa. Ehsaas Naujawan Loan

Flexible Repayment Plans

This program is designed to ease the burden on young entrepreneurs:

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

• Akhuwat Loans: Repayment over 36 to 60 months

• Zero interest, no hidden fees, and no collateral

• Transparent process with no processing charges

Key Benefits of the Program

• Empowers youth to become business owners and job creators

• Ensures financial inclusion of marginalized groups

• No interest and no collateral required

• Suitable for all business sectors: retail, agriculture, services, technology, etc.

• Encourages district-level economic development

• Backed by government guarantees and trusted financial institutions

Contact & Support

For queries or assistance:

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

• Website: www.bok.com.pk

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

• Akhuwat Branch Locator: https://akhuwat.org.pk/branch-network

Final Thoughts

The Ehsaas Naujawan Loan Program 2025 is more than a financial aid scheme — it’s a stepping stone toward youth empowerment, economic stability, and inclusive growth in Khyber Pakhtunkhwa. With its interest-free model, inclusive policies, and transparent process, the program is designed to help young Pakistanis turn their entrepreneurial dreams into reality. Ehsaas Naujawan Loan