Ehsaas Hunar Loan Scheme 2026 – Apply Online for Interest-Free Loan up to 5 Lakh in Khyber Pakhtunkhwa
The Ehsaas Hunar Loan Scheme is a flagship initiative by the Government of Khyber Pakhtunkhwa, TEVTA KP, and Bank of Khyber (BOK) to empower skilled youth, women, and professionals by providing interest-free business loans.
This program is specially designed for individuals who possess technical or vocational skills and want to start or expand their own business.
If you belong to Khyber Pakhtunkhwa and are looking for easy, interest-free financial support, this scheme is a golden opportunity.
Overview of Ehsaas Hunar Loan Scheme
Ehsaas Hunar Loan Amount & Duration
This loan can be used for small businesses, startups, tools, machinery, or service-based work.
💰 Loan Amount
Up to Rs. 500,000
- Interest-Free (0% Markup)
- Government-backed financing
- For skilled youth & entrepreneurs
⏳ Loan Duration
Up to 3 Years
- Easy monthly installments
- Flexible repayment schedule
- Grace period as per bank policy
Benefits of Ehsaas Hunar Loan Scheme
Benefits of Ehsaas Hunar Loan Scheme
Eligibility Criteria – Ehsaas Hunar Loan Scheme
To apply for the Ehsaas Hunar Loan Scheme, applicants must meet the following requirements:
- Age between 18 to 40 years
- Permanent resident of Khyber Pakhtunkhwa
- Must possess technical or vocational skills
- TEVTA-certified or certified from a recognized institute
- Applicant should be unemployed or self-employed
- Must have a viable business idea
- Should not be a bank defaulter
- Valid CNIC and active mobile number required
Who Can Apply for Ehsaas Hunar Loan Scheme?
This scheme is specially designed for skilled individuals and entrepreneurs working in the following fields:
Technical Trades
Handicrafts
IT & Freelancing
Tailoring & Embroidery
Electrical / Mechanical Work
Small Manufacturing Units
Home-Based Businesses
Quota Distribution
75%
General Skilled Applicants
15%
Women Applicants
10%
Special Categories
Disabled • Transgender • MinoritiesRequired Documents
How to Apply for Ehsaas Hunar Loan ?
Contact Information
091-111-265-265
www.bok.com.pk
FAQs
The Ehsaas Hunar Loan Scheme is an initiative by the Government of Khyber Pakhtunkhwa to provide interest-free financial support to skilled youth and entrepreneurs who want to start or grow their business. :contentReference[oaicite:1]{index=1}
Applicants must be residents of Khyber Pakhtunkhwa, aged 18-40, possess vocational or technical skills, and have a viable business idea. Women and special category applicants are also given quotas. :contentReference[oaicite:2]{index=2}
Under the scheme, loans of up to Rs. 500,000 can be disbursed interest-free for eligible individuals to start or expand businesses. :contentReference[oaicite:3]{index=3}
No — this loan is provided on an interest-free basis to reduce financial burden and encourage self-employment. :contentReference[oaicite:4]{index=4}
The approval and disbursement time depends on the verification process, but typically it takes a few weeks after the submission of complete documents. :contentReference[oaicite:5]{index=5}
Yes — the scheme includes quotas and priority segments for female applicants and special categories to ensure inclusive participation. :contentReference[oaicite:6]{index=6}