Ehsaas Nojawan Program – Youth Loan Scheme in Pakistan

Introduction to Ehsaas Nojawan Program

Ehsaas Nojawan Program Pakistan’s youth face significant financial challenges in launching their businesses or continuing their education. The Ehsaas Nojawan Program is an initiative by the Government of Pakistan aimed at empowering young individuals through interest-free loans. This program provides financial support to aspiring entrepreneurs and students who wish to invest in their future.

Objectives of the Program

The Ehsaas Naujawan Programme or Ihsaas Nawjawan is a positive step taken towards the socio-economic development of the province of Khyber Pakhtunkhwa. this program is also aimed to achieve some clear objectives such as: 

The budget for this scheme is set at PKR 3 billion for now under which young aged between 18-35 years will be funded based on interest-free loans. With this huge amount of money, CM Khyber Pakhtunkhwa has announced that he aims to transform the province’s economic landscape by empowering youth so that they can contribute to KP’s economic development. Mainly marginalized groups such as women, minorities, and the disabled will be prioritized to curve out the hidden potential in the province that can contribute to economic development.

• Promote Economic Participation: through this program, the objective is to empower youth by providing them with entrepreneurship and self-employment opportunities. This way they will become active participants in society contributing to economic growth.
• Gender and Social Inclusion: this program is aimed at uplifting those groups of people who are suppressed and usually left behind others. These include marginalized groups like women, minorities, differently abled, etc. 
• Rural Development: one of the very important yet not often discussed objectives for enterprise development is to encourage rural area development. This is because the rural youth is encouraged to stay in rural areas which will result in reduced migration to urban centers.
• Skills Development: this program will equip youth with important skills like digital literacy, vocational trades, and entrepreneurial skills which are essential to compete with the world nowadays. The modern workspace worldwide these days requires well-prepared individuals who can compete with the world.

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Key Features of Ehsaas Nojawan Youth Loan Scheme

• 100% Interest-Free Loans – No additional costs or hidden charges.
• Easy Online Application – Apply from anywhere using the official website.
• Flexible Repayment Terms – Convenient installment plans for all applicants.
• Government-Supported Initiative – Ensures transparency and reliability.
• No Collateral Required – Financial support without the need for guarantees.

Objectives of the Ehsaas Nojawan Program

• Encourage entrepreneurship by providing youth with financial assistance.
• Enhance employment opportunities by supporting small businesses and startups.
• Promote financial inclusion for underprivileged youth.
• Foster economic growth by investing in young minds.

Loan Details and Eligibility Criteria

Loan Amount and Repayment Period

• Minimum Loan: PKR 50,000
• Maximum Loan: PKR 500,000
• Repayment Tenure: Up to 5 years
• Grace Period: 6 to 12 months (varies per loan type)

Who Can Apply?

• Pakistani citizens aged 18 to 45 years.
• Must have a valid CNIC (Computerized National Identity Card).
• Individuals with a feasible business plan or educational objective.
• Priority is given to women, differently-abled individuals, and youth from marginalized communities.

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How to Apply for an Interest-Free Loan?

Applying for the Ehsaas Nojawan Program Youth Loan is simple and can be done online. Follow these steps:

1. Visit the official portal: Ehsaas Nojawan Program
2. Register and create an account using your CNIC details.
3. Fill in the application form with personal, financial, and business details.
4. Upload the required documents for verification.
5. Submit your application and wait for approval.

Eligibility Criteria

Since the programme is funded through two components BANK OF KHYBER and Akhuwat Islamic Microfinance the age requirements for both of them are different. Both the components are discussed in detail later in this article. Just keep reading for the complete information.

• Age: 18-35 Years for both the components (Bok Loan and Akhuwat Loan)
• Resident of Khyber Pakhtunkhwa
• Valid CNIC
• Viable business proposal
• Clean credit history

The program ensures accessibility through:

• Easy loan application Khyber Pakhtunkhwa youth process
• Dedicated support staff
• Clear documentation requirements
• Regular application status updates
• Comprehensive support through the application journey

Benefits of the Ehsaas Nojawan Loan Program

1. Zero Interest Charges

Unlike conventional loans, the Ehsaas Nojawan Loan is completely interest-free, ensuring affordability for young entrepreneurs.

2. Quick and Hassle-Free Approval

Applications are processed swiftly, allowing applicants to access funds without unnecessary delays.

3. Financial Independence for Youth

This initiative empowers young Pakistanis by giving them the financial means to launch businesses or continue their education.

4. Economic Growth and Job Creation

By promoting entrepreneurship, this program contributes to Pakistan’s overall economic growth and employment generation.

Confidentiality and Data Protection

The Ehsaas Nojawan Program ensures that all personal data is kept confidential and is only used for loan processing and repayment purposes. No third-party sharing of applicant information occurs.

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Application Process

Just follow the steps written below for the application process:

Eligibility Check: before applying make sure you meet the age and residency requirements for the program.

Submit a Viable Business Plan: once you fit in the eligibility check, create a detailed business plan outline of your business idea, goals, and projected outcomes. Make a complete and detailed proposal of it.

Online Application Portal: Submit your application with a complete business plan via the program’s online portal. Your application will be streamlined through the portal and loan disbursements.

Partner Assessment: Depending on the loan type, either Bank of Khyber (BOK) or Akhuwat Islamic Microfinance will review your application.

Approval and Disbursement: Upon approval, the respective partner will disburse the loan based on the selected financing component.

Customer Support and Contact Details

• Operational Hours: 9:00 AM to 5:00 PM (Monday to Friday)
• Helpline: +92 91 111 265 265
• Email: support@ehsaasnaujawan.pk
• Website: Ehsaas Nojawan Official Portal

FAQs about Ehsaas Nojawan Loan

Who is eligible for the Ehsaas Nojawan Loan?

Any Pakistani citizen aged 18 to 45 years with a valid business plan or educational goal can apply.

How long does the approval process take?

It typically takes 2 to 4 weeks, depending on the application volume and verification process.

Can women apply for this loan?

Yes, women entrepreneurs and students are encouraged to apply and are given priority.

Is there any collateral required?

No, the Ehsaas Nojawan Loan Scheme does not require any collateral.

Can I apply if I have an existing bank loan?

Yes, but approval will depend on your financial standing and ability to repay.