How to Apply for an Interest-Free Ahuwat Loan under the Ehsaas Naujawan Programme

The Ehsaas Naujawan Programme is an initiative taken by The Government of Khyber Pakhtunkhwa designed to support youth entrepreneurship and self-employment in Pakistan. As part of this programme, Akhuwat Islamic Microfinance is partnering with the Government of Khyber Pakhtunkhwa to provide interest-free loans for small-scale entrepreneurs.

Download Akhuwat Loan Form

نوٹ

یہ فارم صرف ڈاؤن لوڈ کرنے کے لیے ہے، اسے خود نہ بھریں۔ اخوت قرض حاصل کرنے کے لیے قریبی اخوت برانچ تشریف لے جائیں، جہاں اخوت کا نمائندہ یہ فارم آپ کے لیے پُر کرے
گا۔

اخوت قرض حاصل کرنے کے لیے درج ذیل دستاویزات اور اقدامات مکمل کرنا ضروری ہیں:
درخواست دہندہ کا شناختی کارڈ (اصل اور کاپی)
سرپرست کا شناختی کارڈ (اصل اور کاپی)
موجودہ ماہ کا یوٹیلیٹی بل (بجلی یا گیس کا بل)
ایک ضامن گھر سے (والد، بھائی، بڑی بہن وغیرہ قریبی رشتہ دار)
دو ضامن گلی سے (کسی بھی دو ذمہ دار افراد، کسی سرکاری افسر کی ضرورت نہیں)

In this article, we’ll walk you through the process of applying for an Akhuwat loan. It’s eligibility requirements, and essential information to ensure a smooth application experience.

Key Features of the Akhuwat Loan Scheme

Interest-Free Loans: Akhuwat offers interest-free loans for Pakistani youth to help them establish or grow their small businesses. The loans are from PKR PKR 100,000 to 500,000.
Assistance with Form Filling: Akhuwat recognizes that you might face challenges filling out forms, so Akhuwat members at AIM branches will assist you with the application process.
Wide Target Audience: The program covers applicants across Khyber Pakhtunkhwa and merged districts, making it accessible to a large group of aspiring entrepreneurs.

Eligibility Criteria for Akhuwat Loan

Before you decide on to apply, ensure you meet the eligibility requirements set by the programme:

Age Limit for Akhuwat Loan: Applicants should be between 18 and 35 years old to be eligible for this program.
Permanent Resident of Khyber Pakhtunkhwa: Only residents of Khyber Pakhtunkhwa, including merged districts, are eligible.
Valid CNIC: You must have a valid Computerized National Identity Card (CNIC).
Business Plan: Applicants should have a feasible and viable business plan that demonstrates potential for growth and sustainability.
Clean e-CIB Record: Applicants must not have any outstanding loans in default and should have a clean record in the e-CIB report.
Focus on Small Enterprises: The program is intended for micro and small-scale businesses that are economically viable.

Step-by-Step Guide to Apply for an Akhuwat Loan

Visit the Nearest AIM Branch to Apply for Akhuwat Loan
- To start the process, visit the nearest Akhuwat Interest-Free Microfinance (AIM) branch. Akhuwat representatives are available to assist you with the application process. You can find out nearby branch and representative details for akhuwat loan here in bellow table:

Sr.No	District	Akhuwat'S Branch Name	City/Town	Focal Person Name	Focal Person'S Phone
1	Abbottabad	Nathia Gali	Nathia Gali	Amjad Mehmood	0334-2466872
2		Abbotabad	Abbottabad
3		Havelian	Havelian
4		Abbottabad-2	Abbottabad
5	Bajaur	Khaar	Khaar	Anees Ul Islam	0316-1195789
6		Inyat Kaly	Inyat Kaly
7		Nawaghai	Nawaghai
8		Pashut	Pashut
9		Rahgan	Rahgan
10		Qazafi	Qazafi
11	Bannu	Bannu-1	Bannu	Ghulam Nabi	0305-9104544
12		Bannu-2	Bannu
13		Domail	Domail
14		Bakka Khel	F.R Bannu
15	Battagram	Batagram	Batagram	Attiq Ur Rehman	0313-0506396
16		Kuza Banda	Battagram
17		Allai	Battagram
18		Thakot	Thakot	Muhammad Nasir	0333-5021851
19	Buner	Peer Baba	Peer Baba	Zain Ul Abidin	0332-9481287
20	Charsadda	Charsadda	Charsadda	Hayaz Zamin	0300-9711699
21	Chitral	Chitral	Chitral	Jahanzeb Ur Rehman	0341-9066080
22		Drosh	Drosh
23		Ayun	Ayun
24	D.I.khan	F.R D.I. Khan	D.I. Khan	Shahzad Khan Niazi	0304-6996117
25		D.I.Khan-2	D.I. Khan
26		Zafar Abad	D.I.khan
27		Paroa	Paroa
28		Paharh Pur	Paharh Pur
29	Hari Pur	Haripur	Hari Pur	Amjad Mehmood	0334-2466872
30		Ghazi	Ghazi	Usama Khan	0311-1027102
31	Karak	Karak	Karak	Muhammad Amin	0334-5113673
32	Khyber	Landi Kotal	Landi Kotal	Sohail Mumtaz	0300-5627264
33		Jamrod	Khyber Agency
34		Bara	Peshawar
35		Landi Kotal 2	Khyber Bazar
36		Qambar Khail	Bara
37	Kohat	Kohat	Kohat	Muhammad Amin	0334-5113673
38		Dara Adam Khel	F.R Kohat
39		Bili Tang	Bili Tang
40	Kurram	Para Chanar	Para Chanar	Tehseen Ullah	0334-8815390
41		Sadda	Sadda
42		Bagan	Bagan
43		Ghulam Jan Market	Parachinar
44		Sateen	Sateen
45	Lakki Marwat	Tajori	Tajori	Safdar Ali	0343-7925416
46		Lakki Marwat	Luky Marwat
47	Malakand	Thana	Thana	Zain Ul Abidin	0332-9481287
48		Batkhela	Batkhela
49	Mansehra	Mansehra-1	Mansehra	Kazim Ali Shah	0334-5587455
50		Mansehra-2	Mansehra
51		Garhi Habib Ullah	Mansehra
52		Ughi	Ughi
53		Balakot	Balakot
54		Shinkiari	Shinkiari	Attiq Ur Rehman	0313-0506396
55	Mardan	Mardan	Mardan	Hayaz Zamin	0300-9711699
56		Takht Bai	Takht Bahi
57		Katlang	Katlang
58		Shergarh	Lund Khwar
59	Mohmand	Mandi Gundhab	Mandi Gundhab	Muhammad Abid	0313-7774162
60		Yaka Ghund	Yaka Ghund
61		Safi	Safi
62	North Waziristan	Shiva	Shiva	Ghulam Nabi	0305-9104544
63		Spin Wam	Spin Wam	Ghulam Nabi	0305-9104544
64	Nowshera	Nowshehra Kalan	Nowshehra	Fiaz Hussain	0311-8101370
65		Jahangira	Jhangira
66		Pabbi	Nowshehra
67		Risalpur	Town
68		Akbarpura	Akbarpura
69	Orakzai	Kalaya	Kalaya	Muhammad Amin	0334-5113673
70		Babar Maila	Hangu	Tehseen Ullah	0334-8815390
71	Peshawar	Peshawar(Ghareebabad)	Peshawar	Faizan Pervez	0313-5910653
72		Kareem Pura (Peshawar-2)	Peshawar
73		Faqeerabad (Peshawar-3)	Peshawar
74		Nothia	Peshawar
75		Bakhshu Pull	Peshawar	Muhammad Abid	0313-7774162
76		Hassan Khel	Hassan Khel	Faizan Pervez	0313-5910653
77	Shangla	Besham	Besham	Muhammad Nasir	0333-5021851
78		Karora	Besham
79		Alpuri	Besham
80		Chakaisar	Besham
81	Swabi	Topi	Topi	Usama Khan	0311-1027102
82		Swabi	Sawabi
83		Shiwa	Sawabi
84		Tordher	Sawabi
85	Swat	Mingora	Sawat	Zain Ul Abidin	0332-9481287
86		Mangora-2 (khwazakhela)	Khawazakhel
87		Madyan	Madyan
88	Tank	Tank	Tank	Safdar Ali	0343-7925416
89		Tank-2	Tank
90		Jattatar	Tank
91	Upper Chitral	Booni	Booni	Jahanzeb Ur Rehman	0341-9066080
92	Upper Dir	Dir	DIR City

Fill Out the Application Form for Akhuwat Loan
- At the branch, an Akhuwat team member will help you fill out the application form. The form will require basic information such as:
  - Personal Details: personal details such as name, CNIC, address, and contact information are required.
  - Police Verification: this is required for security and background checks.
  - Business Details: you will need to provide information about the proposed or existing business, including its nature, location, and potential growth.
Submit Required Documents Required for Akhuwat Loan
- You will need to provide below listed documents for the application to proceed. Make sure you bring along these documents before visiting the branch.
  - Copy of CNIC: Your valid CNIC is necessary for identification. So make sure you bring along your CNIC to get your application submitted.
  - Business Proposal: A clear and detailed business proposal is essential for the consideration of your application by the authorities. This proposal should have an outline of the business plan, potential market, and growth strategy.
  - Police Clearance Certificate: you should also have a verification document from local authorities like a character certificate. This is to ensure that you hold a clean criminal record.
- Application Review and Verification
- After submission, Akhuwat’s team will review your application and verify your details. This may include background checks and verification of your business plan to assess its viability.
- Approval and Akhuwat Loan Disbursement
- When your application gets approved, you will receive notification within 30 days or within 3-4 weeks. Approved applicants will then be invited to receive loan disbursement. The funds will be released in tranches based on the successful completion of required formalities.
- Training and Business Registration
- As part of the programme, Akhuwat will also provide entrepreneurship training to help you make the best use of your loan and prepare for successful business operations. Additionally, they will ensure your business is properly registered.

What to do if your application gets rejected?

Grievance Redressal Mechanism for Akhuwat Loan

If your application is rejected, don’t lose hope. Akhuwat has set up a Grievance Redressal Committee to help applicants resolve any issues. You can submit a complaint there, and the committee will review it. If your complaint is found valid under the grievance mechanism, then you may be given another chance to apply.

Target Sectors for Akhuwat Loans

Akhuwat loan scheme encourages business ideas in diverse sectors, including:

Manufacturing and Production
Information Technology and AI
Healthcare and Biotechnology
Education and Skills Development
Retail Trading and Services
Green Energy and Environmental Initiatives
Agricultural Off-Farm Enterprises
Tourism, Hospitality, and Entertainment
Small Scale Business

Note

Businesses on negative list of Government of Pakistan that includes Arms and Ammunition, Explosives, Radioactive substances, Security printing, Alcoholic beverages, and Liquor will not be encouraged for Akhuwat Loan.

Conclusion

Applying for an interest-free Akhuwat loan through Akhuwat under the Ehsaas Naujawan Programme can be a life-changing opportunity for young entrepreneurs in Khyber Pakhtunkhwa. The way the application process is made easy through support from Akhuwat members, and a comprehensive grievance redressal system, anyone can opt for it. This programme makes it accessible and straightforward for young Pakistanis to start their own businesses.

Take the first step today by visiting your nearest Akhuwat Islamic Microfinance branch and start your journey towards financial independence and entrepreneurial success!

Frequently Asked Questions (FAQs)

Loans through Akhuwat are available for amounts ranging from PKR 100,000 to 500,000.

Yes, but the business must be relatively new (under two years old) or a startup. The programme targets youth with potential startups or small businesses.

Yes, there are reserved quotas, including 15% for female entrepreneurs and 5% for minority and differently-abled youth. Read the details here.

You have up to 8 years to repay the loan, with a grace period of up to 20 months.