Ehsaas Nojawan Program : Free Loans for Youth
In a remarkable initiative to empower youth and promote entrepreneurship, the Government of Khyber Pakhtunkhwa has officially launched the Ehsaas nojawan Program. This special scheme offers interest-free loans to young individuals looking to start or expand their own businesses. The goal is to reduce unemployment, foster self-sufficiency, and support sustainable economic growth.
Eligibility Criteria
To apply for the Ehsaas Nojawan Program, applicants must meet the following conditions:
1. Domicile: Must be a resident of Khyber Pakhtunkhwa.
2. CNIC: A valid computerized national identity card (CNIC) is required.
3. Age Limit: Applicant should be between 18 to 35 years of age.
4. Existing or New Business: If you already own a business, it should be operational for two years or less.If you’re launching a new startup, you must submit a detailed business plan outlining profitability, feasibility, and your experience.
5. Gender Inclusion: Female applicants will be given preference to encourage women entrepreneurship.
6. Education and Skills: Applicants who are graduates or have specific technical skills will be prioritized.
7. Business Location: The business must be located within Khyber Pakhtunkhwa.
8. Legal Registration: Preference will be given to businesses that are legally registered with FBR or other relevant bodies.
9. Credit History: A clean CIB report is mandatory applicants must not be defaulters.
10. Employment Generation: Businesses that are likely to create job opportunities will be given preference.
Types of Loans Offered
The program provides two major types of interest-free loans:
1. Small Business Loans (Rs. 100,000 – Rs. 500,000)
These loans are ideal for individuals who want to start small-scale businesses. The loans are provided through Akhuwat Foundation and are to be repaid over five years in easy monthly installments.
2. Large Business Loans (Rs. 1 Million – Rs. 5 Million)
For those aiming to start or expand large scale enterprises, loans ranging from Rs. 1 million to Rs. 5 million are available through the Bank of Khyber. These must be repaid within eight years with convenient repayment plans.
Application Process
Applications have already opened.
Interested individuals can visit the official link provided by the government to apply online.
Detailed instructions and forms are available on the official website and must be submitted before the deadline.
Also Read: 8123 Web Portal | Complete Guide for Ehsaas Rashan Riayat Program
Group Application Condition
One important rule: Individual applications are not allowed. Applicants must form a group (minimum two people) to apply for the loan. This group-based model encourages accountability and teamwork. Groups of 2–4 individuals are allowed.
- No Processing Fee Required: Applicants should note that there is no application or processing fee.The entire process is free of cost and transparent.
Priority Sectors
Sectors including Education, Technology and IT, Healthcare, Agriculture, Gas-related fields, Beauty & Wellness (e.g. salons, clinics, fitness centers, gyms), Media, Photography, Entertainment, Tourism and Travel, Restaurants and Food Chains, Green Energy and Environmental Solutions will receive priority consideration.
Conclusion
The Ehsaas nojawan Program reflects the government’s strong commitment to youth empowerment and economic inclusion. By offering interest-free loans and targeting key sectors, this program provides young people especially those in Khyber Pakhtunkhwa with a life changing opportunity to realize their entrepreneurial dreams without the burden of interest or hidden costs.
