The Khyber Pakhtunkhwa (KP) government has initiated the Ehsaas Nojawan Program, aiming to empower youth and provide employment opportunities through interest-free loans. The program encourages entrepreneurship and helps young individuals create their own businesses. The launch ceremony was held at the Chief Minister’s House in Peshawar, with Chief Minister Ali Amin Khan Gandapur as the chief guest. Finally Provincial cabinet members, officials from the Department of Youth Affairs, and selected beneficiaries attended the event in 2025.
| Feature | Details |
| Loan Range | PKR 100,000 to PKR 5 million. |
| Eligible Age | 18 to 35 years for groups; 18 to 40 years for individuals. |
| Repayment Period | Up to 8 years, including a 20-month grace period. |
| Special Quotas | Reserved for women, differently-abled individuals, minorities, and Madressah students. |
Table of Content
Flexible Loan Repayment
To ease the financial burden, the program offers a flexible repayment schedule. Beneficiaries can repay the loan over eight years, with the first 20 months designated as a grace period during which no payments are required. This approach gives young entrepreneurs ample time to establish their businesses before starting repayments.
Inclusivity and Special Quotas
The program emphasizes inclusivity by allocating specific quotas for marginalized groups:
- 15% for women to promote female entrepreneurship.
- 2.5% for differently-abled individuals to support their financial independence.
- 5% for Madrasa students to integrate them into mainstream economic activities.
- 2.5% for minorities to encourage diversity and equal opportunities.
These quotas ensure that all segments of society benefit from the program.
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Application Process
The application process for the Ehsaas Nojawan Program is straightforward and accessible:
- Group Loans: Apply online through the Bank of Khyber’s Ehsaas Nojawan portal.
- Individual Loans: Visit the nearest Akhuwat branch to complete the application process.
Applicants need to provide a detailed business plan and necessary documents.
Promoting Financial Independence
The Ehsaas Nojawan Program focuses on fostering financial independence among the youth by providing them with interest-free loans. This initiative supports young individuals in starting or expanding businesses, encouraging self-reliance and economic growth. Loans are available for groups (three to five members) as well as individuals, with amounts ranging from PKR 100,000 to PKR 5 million.
Collaboration with Financial Institutions
The program collaborates with the Bank of Khyber (BoK) and Akhuwat Islamic Microfinance Bank for effective loan distribution.
- BoK provides loans for group ventures, totaling PKR 1 billion.
- Akhuwat manages individual loans, with funds amounting to PKR 2 billion.
These partnerships ensure smooth processing and equitable distribution of loans.
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Future Initiatives
During the launch event, the Chief Minister announced additional programs under the Ehsaas initiative:
- Ehsaas Apna Ghar Program for affordable housing.
- Ehsaas Rozgar Program for employment generation.
- Ehsaas Hunar Program for skill development.
These initiatives will be launched soon with a combined allocation of PKR 15 billion.
Helpline for Assistance
For inquiries and support, you can contact the Ehsaas Nojawan Program helpline:
- Phone: 0800-12345
- Email: [email protected]
Conclusion
The Ehsaas Nojawan Program is a commendable step by the KP government to empower youth, reduce unemployment, and promote entrepreneurship. With interest-free loans, flexible repayment terms, and inclusive opportunities, the program is paving the way for a prosperous and self-reliant youth population.
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FAQs
What is the main objective of the Ehsaas Nojawan Program in 2025?
The program aims to empower youth by providing interest-free loans for entrepreneurship and job creation.
Who can apply for the loans in 2025?
Youth aged 18 to 35 for group loans and 18 to 40 for individual loans are eligible to apply.
How do I apply for the program in 2025?
Apply online for group loans via the Bank of Khyber’s portal or visit an Akhuwat branch for individual loans.
Are there special quotas for marginalized groups in 2025?
Yes, special quotas are reserved for women (15%), differently-abled individuals (2.5%), Madrasa students (5%), and minorities (2.5%).
What is the repayment period for the loans in 2025?
The repayment period is up to eight years, with a 20-month grace period.