Ehsaas Nojawan Program Youth Loan Scheme without interest in Pakistan ( احساس نوجوان پروگرام )

Complete Information

The challenges Pakistan is facing in terms of unemployment and limited access to business financing is deeply troubling the youth on an entrepreneurial level. The Khyber Pakhtunkhwa government has detected the deep-rooted cause of the crisis which is the lack of quality training and insufficient funding for the new ideas that can turn into great startups. In this connection the Government of Khyber Pakhtunkhwa is launching youth cluster soft loan entrepreneurship program (YCSLEP), called Ehsaas Naujawan Programme Youth Loan Scheme.

How to Successfully Apply for Ehsaas Nojawan Program Loan on BOK Online Portal

The Ehsaas Naujawan Programme or Ihsaas Nawjawan is a positive step taken towards the socio-economic development of the province of Khyber Pakhtunkhwa. this programme is also aimed to achieve some clear objectives such as: 

The budget for this scheme is set at PKR 3 billion for now under which young aged between 18-35 years will be funded on the basis of interest-free loan. With this huge amount of money, CM Khyber Pakhtunkhwa has announced that he aims to transform the province’s economic landscape by empowering youth so that they can contribute to KP’s economic development. Mainly the marginalized groups such as women, minorities and the disabled will be prioritized to curve out the hidden potential in the province who can contribute to economic development.

  • Promote Economic Participation: through this program, the objective is to empower youth by providing them entrepreneurship and self-employment opportunities. This way they will become active participants of the society contributing to economic growth.
  • Gender and Social Inclusion: this program is aimed at uplifting those groups of people who are suppressed and usually left behind others. These include marginalized groups like women, minorities, differently abled etc. 
  • Rural Development: one of the very important yet not often discussed objectives for enterprise development is to encourage rural area’s development. This is because the rural youth is encouraged to stay in rural areas which will result in reduced migration to urban centers.
  • Skills Development: this programme will equip youth with important skills like digital literacy, vocational trades and entrepreneurial skills which are essential to compete with the world nowadays. The modern workspace worldwide these days requires well-prepared individuals who can compete with the world.

The process of applying for the Ehsaas Naujawan Programme (interest-free loans) is simple and easy. However, you need to check the eligibility criteria before applying. How to Apply?

Eligibility Criteria

Since the programme is funded through two components BANK OF KHYBER and Akhuwat Islamic Microfinance so the age requirements for both of them are different. Both the components are discussed in detail later in this article. Just keep reading for the complete information.

  • Age: 18-35 Years for both the components (Bok Loan and Akhuwat Loan)
  • Resident of Khyber Pakhtunkhwa
  • Valid CNIC
  • Viable business proposal
  • Clean credit history

The program ensures accessibility through:

  • Easy loan application Khyber Pakhtunkhwa youth process
  • Dedicated support staff
  • Clear documentation requirements
  • Regular application status updates
  • Comprehensive support through the application journey
ehsaas nojawan program

Just follow the steps written below for the application process:

Eligibility Check: before applying make sure you meet the age and residency requirements for the program.

Submit a Viable Business Plan: once you fit in the eligibility check, create a detailed business plan outline of your business idea, goals, and projected outcomes.make a complete and detailed proposal of it.

Online Application Portal: Submit your application with a complete business plan via the program’s online portal. Your application will be streamlined through the portal and loan disbursements.

Partner Assessment: Depending on the loan type, either Bank of Khyber (BOK) or Akhuwat Islamic Microfinance will review your application.

Approval and Disbursement: Upon approval, the respective partner will disburse the loan based on the selected financing component.

  • Akhuwat Islamic Microfinance
  • Bank of Khyber Pakistan

Component I: Bank of Khyber (BOK)

  • Loan Range: PKR 1 to 5 million (10 lac – 50 lac) loan for group of partners (clusters) in Khyber Pakhtunkhwa.
  • Target: Clusters of 3-5 skilled youth
  • The process is such that:
    • First and foremost submit the application through the online loan application portal Chief Minister Khyber Pakhtunkhwa
    • Then present viable business plans
    • Once done that, then you have provide required documentation
    • Your application will then undergo business proposal evaluation

Component II: Akhuwat Islamic Microfinance

  • Loan Range: PKR 0.1 to 0.5 million (1 lac – 5 lac) Akhuwat loan for single literate or illiterate youth.
  • Focus: Individual micro-businesses
  • The process is as follows:
    • Apply through Akhuwat interest-free loans CM Khyber Pakhtunkhwa program
    • Then try to demonstrate your business proposal as accurately as possible.
    • Make sure you meet eligibility criteria
    • Then complete required documentation
  • Interest-Free Financing: All loans are interest-free, based on Shariah-compliant principles, easing the financial burden on young entrepreneurs.
  • Flexible Repayment Terms: The repayment is required to be done in phases. The initial grace period gives businesses time to stabilize.
  • Promotes Group Collaboration: The cluster-based approach encourages youth to work together, encourages teamwork and shared business responsibilities.
  • Focused Support for Marginalized Groups: Special quotas for women, minorities, and other underserved groups help ensure equitable access to resources and support.

Skill Development and Mentorship: Bank Of Khyber offers training and mentorship in business and financial management, helping young entrepreneurs build lasting skills and business empire.

  • Interest-Free Financing: All loans are interest-free, based on Shariah-compliant principles, easing the financial burden on young entrepreneurs.
  • Flexible Repayment Terms: The repayment is required to be done in phases. The initial grace period gives businesses time to stabilize.
  • Promotes Group Collaboration: The cluster-based approach encourages youth to work together, encourages teamwork and shared business responsibilities.
  • Focused Support for Marginalized Groups: Special quotas for women, minorities, and other underserved groups help ensure equitable access to resources and support.

Skill Development and Mentorship: Bank Of Khyber offers training and mentorship in business and financial management, helping young entrepreneurs build lasting skills and business empire.

The Ehsaas Naujawan Programme 2024 is a vital initiative to nurture entrepreneurship, create jobs, and promote economic growth in Khyber Pakhtunkhwa. By offering accessible, interest-free financing and training support, the program will enable the youth with tools to become active economic participants of the country. With its focus on continuous rolling of funds, this program is empowering the next generation to lead the way in local development, creating a more vibrant and economic growth in Khyber Pakhtunkhwa.

Youth aged 16-35 years for Bank of Khyber (BOK) loans and 18-40 years for Akhuwat loans, living in Khyber Pakhtunkhwa, can apply for this youth loan scheme by completing an easy loan application.

To apply online for the Akhuwat loan or Bank of Khyber loans under the Ehsaas Naujawan loan scheme in Pakistan, applicants should visit the dedicated online portal, where they can upload a proper business proposal.

Under the Ehsaas Naujawan Programme, Bank Of Khyber (BOK) loans have an 8-year repayment term with a 20-month grace period, while Akhuwat loans offer similarly flexible terms based on Shariah-compliant structures.

Yes, 20% of loans are allocated for women, with additional quotas for minorities, people with disabilities, transgenders and Madaris students.

Yes, all loans under the Ehsaas Naujawan Programme 2024 are interest-free. No markups added this time.

42 Comments

  1. Masha’Allah, the most authentic blog and full of accurate information. I have already applied through this blog after reading all the details.

      1. I filled my form when i filled other guy his form he got rejected now when i put my cnic he also get rejected don’t know what is problem with your website

        Please if it can be done from the bank it would be great if we take our form to the bank the website is very difficult

        1. You may encounter issues as it’s an external link and may still be in construction.I face the same issue and talked to one of the representatives in BoK. They say it will be ok soon.

    1. Respected sir
      Internship programme for the graduate students announced by CM kpk.
      Please mention the apply start and ending date .
      This internship programme still not show in the KP internship portal.

  2. Sir, I applied on 11th November, still no response. Ap logo ne kaha ta k 15 dani may application par final decision hoga our sms k zarye application k accept ye reject hone k bare may inform krdeya jayega.

      1. Sir kal sy mere sat ye masla araha ha asal ma kal mane ehsaas noujawanprogram ko apply keya jes ma 2 partnar details sauces full hogeya ta awe 3 partnar par 404 eror araha ta,
        To per sir ma kal chorr deya ta aj jab ma dobara try karaha ho to kal jes 2 partnar ke details sauces full howa os par aj ( CNIC already exist) araha ha sir please btadejy ye keya masla araha ha.

  3. Sir kal sy mere sat ye masla araha ha asal ma kal mane ehsaas noujawanprogram ko apply keya jes ma 2 partnar details sauces full hogeya ta awe 3 partnar par 404 eror araha ta,
    To per sir ma kal chorr deya ta aj jab ma dobara try karaha ho to kal jes 2 partnar ke details sauces full howa os par aj ( CNIC already exist) araha ha sir please btadejy ye keya masla araha ha.

  4. Salam…
    Mai Swat Tehsel Matta se ho. Yaha par akhuwat ka koi branch nahi hai. Mai Kuch din pehle Tehsil khwazakhela ke akhwat branch mai gaya tha unho ne kaha ke apka Tehsil hamare office circle Mai nahi ata.
    to ab Mai Small amount kelya Apply kaise kro?

  5. hi sir,

    in the key features you have mentioned that targeted loan will be given to those who establishing new business, how a new business will have a registered ntn, a bank account.

    1. Dear Ali Khan.
      If a business i new. Its registeration will be processed after approval of the loan. So stay connected. Those fields are not maindatory. Just leave it for now.

  6. There is a problem in I am facing in business nature,that there is no option for food related business like fast food etc, kindly tell me that I can apply for it or not

  7. I have opened my fast food business from last 3 months,can I apply for it and if eligible in which business nature I am in?

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