How to Apply for the Ehsaas Naujawan Programme in Khyber Pakhtunkhwa
The Ehsaas Naujawan Programme, launched by the Chief Minister of Khyber Pakhtunkhwa, is designed to support young entrepreneurs through interest-free loans. Whether you’re launching a new venture or expanding a current one, here’s a detailed guide to help you apply successfully.
Step 1: Understand the Loan Options
1. Small Business Loans
- Loan Amount: PKR 100,000 to PKR 500,000
- Provider: Akhuwat Islamic Microfinance Institute
- Best For: Micro or home-based businesses
2. Large Business Loans
- Loan Amount: PKR 1 million to PKR 5 million
- Provider: Bank of Khyber (BoK)
- Best For: Established or scalable startups
Step 2: Check Your Eligibility
To apply, applicants must:
- Be a resident of Khyber Pakhtunkhwa
- Be 18 to 40 years old
- Hold a valid CNIC
- Have a business idea or existing setup
- Be open to training or evaluation, if required
Step 3: Gather Required Documents
You’ll need the following:
- Copy of CNIC
- Recent passport-size photographs
- Business concept or proposal
- Proof of residence in KP
- Business registration (if applicable)
Step 4: Apply for the Loan
Option A: Small Loans via Akhuwat
- Visit Nearest Akhuwat Branch
➤ Find branches: https://akhuwat.org.pk/branch-network - Collect and Submit the Application Form
➤ Fill out the Ehsaas Naujawan loan form with required documents - Interview & Verification
➤ Akhuwat may conduct a visit or interview - Loan Disbursement
➤ Funds released upon approval
Option B: Large Loans via Bank of Khyber
- Apply Online
➤ Portal: https://ehsaasnaujawan.bok.com.pk - Fill the Application Form
➤ Include personal, business, and loan details - Upload Required Documents
➤ CNIC, photos, proposal, and more - Submit & Track Application
➤ Receive a tracking ID for updates - Evaluation & Meeting (if required)
➤ BoK may request further information or a meeting - Loan Disbursement
➤ Approved funds are released accordingly
Step 5: Understand the Repayment Terms
| Provider | Term | Interest | Collateral |
|---|---|---|---|
| Akhuwat | 3 to 5 years | 0% | Not required |
| Bank of Khyber | Up to 8 years | 0% | Not required |
Pro Tips for Success
- Create a realistic, detailed business plan
- Double-check that all documents and data are accurate
- Follow up if your application is delayed
- Use the loan strictly for business growth
Useful Links
- BoK Loan Portal: https://ehsaasnaujawan.bok.com.pk
- Akhuwat Branch Network: https://akhuwat.org.pk/branch-network
Conclusion
The Ehsaas Naujawan Programme is a major step toward empowering KP’s youth with financial independence and entrepreneurial support. By following the steps above, you can turn your idea into a thriving business with zero-interest financial aid.