Ehsaas Hunar Loan Scheme: Interest-Free Loans for Skilled Youth in KP
Ehsaas Hunar is a Khyber Pakhtunkhwa government programme that gives skilled young people interest-free loans of up to Rs 500,000 to start or expand a business.
At a glance
| Loan size | Up to Rs 500,000 |
|---|---|
| Markup | 0% (interest-free) |
| For | Skilled youth of Khyber Pakhtunkhwa |
| Implemented by | Bank of Khyber (with TEVTA) |
| Who | Khyber Pakhtunkhwa domicile holders |
| Age limit | 18 – 40 years |
| Skill requirement | A skill certificate or a diploma |
| Repayment period | Not yet published by the Bank of Khyber |
| How to apply | Online: official Ehsaas Hunar portal (Bank of Khyber) |
| Helpline | Bank of Khyber: 091-111-265-265 |
Apply for Ehsaas Hunar
Applications are online on the Bank of Khyber’s official Ehsaas Hunar portal. Keep your CNIC, domicile and skill certificate or diploma ready.
🔒 Official link – opens the government / bank website. Rozgar for Youth never takes applications or fees.
What is Ehsaas Hunar?
Ehsaas Hunar is one of the four flagship Ehsaas programmes of the KP Government, alongside Ehsaas Naujawan, Ehsaas Rozgar and Ehsaas Apna Ghar. It is aimed at young people who already have a skill – for example from technical or vocational training – and need capital to turn it into a business. TEVTA and the Bank of Khyber signed an MoU for mark-up-free loans to skilled youth under the programme.
Who can apply
- Domicile holder of Khyber Pakhtunkhwa
- Age 18 to 40 years
- Holds a skill certificate or a diploma
- Wants to start or expand a business based on that skill
- Documents: CNIC, domicile and your skill certificate or diploma; the portal lists anything else it needs
How to apply
- Open the official Ehsaas Hunar portal run by the Bank of Khyber. Check that the address starts with
ehsaashunar.bok.com.pk. - Register and fill in the online application with your details, your skill certificate or diploma, and your business idea.
- Keep a note of your application details, and follow the bank’s instructions for verification.
- For help, call the Bank of Khyber helpline on 091-111-265-265.
Apply only through the official portal – never through agents.
Progress so far
By July 2025, Rs 307 million had been disbursed to 647 beneficiaries under Ehsaas Hunar, with 592 more cases being processed (KP Government review meeting).
Ehsaas Hunar vs Ehsaas Naujawan
| Ehsaas Hunar | Ehsaas Naujawan | |
|---|---|---|
| Age | 18–40 | 18–35 |
| Loan size | Up to Rs 500,000 | Rs 100,000–500,000 (Akhuwat); Rs 1–5 million (Bank of Khyber) |
| Who it is for | Skilled youth with a certificate or diploma | Youth aged 18–35 with a business idea or an existing business |
| Partner | Bank of Khyber (with TEVTA) | Bank of Khyber and Akhuwat |
| Markup | 0% | 0% |
Example instalment
A Rs 500,000 interest-free loan repaid over 36 months would be about Rs 13,889 a month. The Bank of Khyber has not yet published the Ehsaas Hunar repayment period, so this example is only an illustration; use the loan calculator to try different periods.
Updates
- 12 Nov 2026: Placeholders removed; repayment period marked as not yet published.
- 3 Nov 2026: Page rebuilt; progress figures as reported in July 2025.
Frequently asked questions
How much loan can I get under Ehsaas Hunar?
Interest-free loans of up to Rs 500,000 for skilled youth, as announced by the KP Government.
Is the Ehsaas Hunar loan interest-free?
Yes, it is a mark-up-free (interest-free) loan.
Who implements Ehsaas Hunar?
The Bank of Khyber. TEVTA and the Bank of Khyber signed an MoU for mark-up-free loans to skilled youth under the Ehsaas Hunar Programme.
What is the difference between Ehsaas Hunar and Ehsaas Naujawan?
Ehsaas Hunar is for skilled youth (loans up to Rs 500,000). Ehsaas Naujawan is a wider youth business loan programme with Akhuwat (Rs 100,000–500,000) and Bank of Khyber (Rs 1–5 million) windows.
How long is the repayment period?
The Bank of Khyber has not yet published it. Ask the bank when you apply and check your loan agreement.
Who can apply for Ehsaas Hunar?
A Khyber Pakhtunkhwa domicile holder aged 18 to 40 who holds a skill certificate or a diploma.
Official sources
- Bank of Khyber – Ehsaas Hunar online portal
- ProPakistani – KP to give interest-free loans to skilled youth (Mar 2025)
- Express Tribune – KP set to release Rs 8bn for Ehsaas initiatives (Jul 2025)
- APP – TEVTA and BoK MoU for mark-up-free loans under Ehsaas Hunar
- ARY News – KP announces Ehsaas Rozgar, Ehsaas Hunar and Ehsaas Naujawan
Always confirm details with the official source before applying.
Part of: KP loans
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