The Chief Minister of Khyber Pakhtunkhwa has taken another important step by introducing the Ehsaas Naujawan Program, which aims to provide interest-free loans to youth to start and expand businesses. This program is in line with the government’s vision to promote economic stability, entrepreneurship, and self-reliance among young people.

The ASAS Youth Program ensures that by removing financial barriers to youth, entrepreneurs can turn their business ideas into reality, contributing to the sustainable development of the province and expanding their businesses on a large scale.

Also Read :Interest-Free Loans for Youth 2025: BoK & TEVTA Unite to Eliminate Financial Burdens

Features Key of Ehsaas Naujawan Programme .

🔹 Feature	✅ Details
🏦 Loan Providers	Bank of Khyber & Akhuwat Islamic Microfinance Institute
💰 Loan Amount	PKR 100,000 to PKR 5 million
🆓 Interest-Free	Yes, all loans are completely interest-free
📜 Eligibility	Pakistani citizens aged 21 to 60 years
🏗️ Business Type	Both small and large businesses
⏳ Repayment Period	Up to 8 years (depending on loan type)
🏢 Application Mode	Online (BoK) & Branch Visit (Akhuwat)

Objectives of the Programme

The Ehsaas Naujawan Programme is designed to empower the youth by providing them with essential resources to kickstart their entrepreneurial journey. The key objectives include:

• Financial Inclusion: Offering interest-free loans to make business funding accessible.
• Youth Empowerment: Encouraging self-employment and business development.
• Economic Growth: Promoting entrepreneurship to boost the economy of Khyber Pakhtunkhwa.
• Job Creation: Supporting businesses that generate employment opportunities.
• Innovation Encouragement: Providing young entrepreneurs with financial freedom to implement creative business ideas.

Also Read :Filer Condition eliminated for loans up to Rs 10,00,000 from ASAN KAROBAR CARD

Loan Categories & Repayment Terms

1. Small Business Loans

🏢 Loan Category	💰 Loan Amount	🏦 Provider	⏳ Repayment Period
Small Business	PKR 100,000 – 500,000	Akhuwat Islamic Microfinance Institute	36 – 60 months

2. Large Business Loans

🏢 Loan Category	💰 Loan Amount	🏦 Provider	⏳ Repayment Period
Large Business	PKR 1 Million – 5 Million	Bank of Khyber	Up to 8 years

Additional Benefits: ✔ No collateral required ✔ Flexible repayment schedule ✔ Equal funds distribution across all districts

How to Apply?

For Bank of Khyber Loans:

1. Visit the official BoK website: Apply Online Here
2. Fill out the online application form with accurate details.
3. Submit the necessary documents, including CNIC and business plan.
4. Application is reviewed, and eligible candidates are selected.

Apply Now:https://ehsaasnaujawan.bok.com.pk/

For Akhuwat Islamic Microfinance Institute Loans:

1. Visit the nearest Akhuwat branch.
2. Provide the required documents (CNIC, business plan, and bank statement if applicable).
3. Fill out the application form available at the branch.
4. Await approval and fund disbursement.

Expected Impact of Ehsaas Naujawan Programme

🚀 More Job Opportunities: Supporting startups and small businesses to generate employment.

📈 Increased Financial Independence: Young individuals become self-reliant instead of depending on limited job opportunities.

💡 Encouragement of Innovative Ideas: With interest-free loans, youth can explore creative and profitable ventures.

🌍 Economic Development: More entrepreneurs lead to increased economic activity and growth.

Conclusion:

The Ehsaas Naujawan Programme is a game-changer for the youth of Khyber Pakhtunkhwa, providing them with interest-free loans, financial independence, and business growth opportunities. By fostering entrepreneurship, this initiative is set to drive economic development, job creation, and innovation in the province.

📌 For more details and updates, visit: https://ehsaasnaujawan.bok.com.pk/