Check Your Government Loan Status – All Schemes in One Place
Each loan scheme has its own official way to check status. Find your scheme below and follow the official link – never share your CNIC with unofficial websites or agents.
| Scheme | Where to check status | Our guide |
|---|---|---|
| Ehsaas Naujawan – Bank of Khyber (Rs 0.5m–5m) | ENP online portal (Bank of Khyber); BoK helpline 091-111-265-265 | Ehsaas Naujawan guide |
| Ehsaas Naujawan – Akhuwat (Rs 100k–500k) | The Akhuwat branch where you applied | Akhuwat loan status |
| Ehsaas Hunar (KP) | Ehsaas Hunar online portal (Bank of Khyber) | Ehsaas Hunar guide |
| PM Youth Business & Agriculture Loan (Federal) | PM Youth Programme portal [official URL] | Coming soon |
| Asaan Karobar Finance / Card (Punjab) | Official portal [URL]; helpline 1786 | Coming soon |
Want the exact steps? Read our step-by-step guide to checking your loan application status.
Why applications are declined
Bank of Khyber receives far more applications than it can fund. In August 2026 it had 15,662 applications and 379 approved businesses. Based on the checks in the programme PC-I, the common reasons for rejection are:
- Business plan score below 65 on the bank’s scorecard (viability, costs, market, repayment)
- Credit record problems in the State Bank’s credit check (CIB), such as an existing default
- Verification failures: CNIC (NADRA), phone verification or field visit
- Eligibility: age outside 18–35, not a KP resident, business older than 5 years, or a business on the negative list
- Missing documents: Form-H or a BPS-17 officer’s attestation not provided
For Akhuwat, decisions rest more on the social and economic appraisal and your guarantor. If you are declined, ask for the reason, fix the weak point and apply again. For Bank of Khyber cases there is a Grievance Redressal Committee (see how to check your status).
Common status terms explained
| Status | Meaning |
|---|---|
| Submitted / Received | Your application has reached the bank or branch. |
| Under review / Appraisal | Your business plan, documents and repayment capacity are being checked. |
| Field verification | Staff visit or verify your business or home address. |
| Training | Some schemes (e.g. Bank of Khyber Ehsaas Naujawan) require compulsory business training before payment. |
| Approved / Sanctioned | The loan is approved; disbursement follows. |
| Disbursed | The money has been paid to your account or by cheque. |
| Declined / Rejected | The application was not approved. Ask for the reason; some schemes have a grievance process. |
Updates
- 3 Nov 2026: Page rebuilt with official status channels for each scheme.
Frequently asked questions
Can I check my loan status by CNIC online?
Only on the official portal of your scheme. Never type your CNIC into unofficial websites, apps or social media links that promise a “status check”.
Which scheme am I in?
Look at where you applied: the Bank of Khyber online portal (Ehsaas Naujawan bank window), an Akhuwat branch (Ehsaas Naujawan microfinance window), the PM Youth portal, or the Bank of Punjab (Asaan Karobar).
How long does processing take?
It differs by scheme and by stage. [typical processing times per scheme]
My status has not changed for weeks. What should I do?
Contact the bank or branch where you applied and ask what is pending. For Bank of Khyber Ehsaas Naujawan cases, a Grievance Redressal Committee at the Directorate of Youth Affairs reviews rejected business plans.
Does Rozgar for Youth show my status?
No. We are an independent guide and do not have access to any application data.
Official sources
- Bank of Khyber – Ehsaas Naujawan portal
- Bank of Khyber – Ehsaas Hunar portal
- Akhuwat – branch network
- KP Directorate of Youth Affairs – Ehsaas Naujawan Programme
Always confirm details with the official source before applying.