Ehsaas Naujawan Program 2025 Interest-Free Loans for KP Youth

Ehsaas Naujawan Program 2025

Ehsaas Naujawan Program 2025 Government of Khyber Pakhtunkhwa KP has launched an exciting new initiative to help the youth of the province achieve financial independence and contribute to economic growth. This program, called the Ehsaas Naujawan Program 2025, offers interest-free loans to young people who want to start or grow their own businesses. It’s a great opportunity for young entrepreneurs who have a business idea but struggle to get funding because of high interest rates or the need for collateral.

If you have completed your registration process in the Ehsaas Youth Program, then wait. After the details of the eligibility criteria, you will be sent a confirmation message. For more information and details, read the article So that you know whether your registration process in the program is complete or not. The Ehsaas Youth Program was launched by the Government of Khyber Pakhtunkhwa. With the help of this program, a loan will be provided to every youth who is included in the Ehsaas Program, whose parents are included in the Ehsaas Program.

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Objectives of the Ehsaas Naujawan Program

The main goal of the Ehsaas Naujawan Program is to support and empower young people in Khyber Pakhtunkhwa by providing financial help so they can start or expand their businesses. The program has several important objectives:

• Youth Empowerment: It helps young people become self-sufficient by giving them the financial support they need to launch their businesses.
• Economic Development: The program promotes entrepreneurship, which in turn helps grow the local economy and create jobs in KP.
• Interest-Free Financing: One of the best parts is that the program offers loans without any interest, which means young entrepreneurs can borrow money without worrying about having to pay extra.

This initiative breaks down the financial barriers that prevent young people from turning their ideas into reality and contributes to the overall development of the community.

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Types of Loans Offered by the Program

The Ehsaas Naujawan Program offers two types of loans, depending on the size of the business you want to start. These loans come with easy terms and no interest. Here’s what you need to know:

Small Business Loans

• Loan Amount: PKR 100,000 to PKR 500,000
• Eligibility: Young people aged 18 to 40
• Repayment Period: 36 to 60 months
• Collateral Requirement: None
• Partner: Akhuwat Islamic Microfinance Institute

This loan is for individuals who want to start or grow a small business. The terms are flexible, which means you have time to make your business successful before starting to repay the loan.

Large Business Loans

• Loan Amount: PKR 1 million to PKR 5 million
• Eligibility: Groups of 3 to 5 individuals aged 18 to 35
• Repayment Period: Up to 8 years, with a 20-month grace period
• Collateral Requirement: None
• Partner: Bank of Khyber

For those who are ready to take on bigger business projects, this category offers more funding. However, you must apply in groups of 3 to 5 people. This encourages teamwork and collaboration, helping your business succeed with a solid group effort.

Both types of loans also have special quotas for women and persons with disabilities, ensuring that everyone has a chance to benefit from the program, regardless of their background.

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How to Apply for the Ehsaas Naujawan Program

If you’re ready to apply for a loan, the process is simple. Here’s a step-by-step guide for both small and large business loans:

For Small Business Loans

1. Visit Akhuwat Islamic Microfinance Institute: Go to the nearest Akhuwat branch in your area.
2. Fill Out the Application: Complete the loan application form with your personal and business details.
3. Submit Your Documents: You’ll need to provide proof of identity, proof of residence, and a detailed business plan.
4. Wait for Approval: Once your application is reviewed, you’ll be notified, and if approved, the loan amount will be transferred to you.

For Large Business Loans

1. Access the Bank of Khyber Portal: Visit their official website at ehsaasnaujawan.bok.com.pk.
2. Create an Account: Register and fill out the online application form.
3. Upload Required Documents: Upload your business proposal and necessary identification details.
4. Application Review: After reviewing your application, the loan will be disbursed if approved.

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Eligibility Criteria for the Ehsaas Naujawan Program

Before applying, make sure you meet the eligibility requirements:

• Age:
  • Small loans: 18 to 40 years old
  • Large loans: 18 to 35 years old
• Residency: You must be a resident of Khyber Pakhtunkhwa (KP).
• Business Idea: You need to have a clear and practical business plan.
• Loan History: You should not have defaulted on any government loans in the past.
• Special Quotas: There are special quotas for women and persons with disabilities, so everyone has an equal chance to apply.
• Group Application for Large Loans: For large loans, you need to apply with a group of 3 to 5 people.

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Features of the Ehsaas Naujawan Program

Here are the main features of the Ehsaas Naujawan Program that make it an attractive option for young entrepreneurs:

• Interest-Free Loans: No need to worry about paying interest on the loan, making it easier to manage your business’s finances.
• Collateral-Free Loans: You don’t need to put up any personal assets as security, which means there’s no risk of losing your property.
• Flexible Repayment Terms: Repayments are spread over time, so you can grow your business without the pressure of immediate payments.
• Inclusive for All: The program ensures that young people from both urban and rural areas in KP have equal access to funding.

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Contact Information

For more information or assistance, you can reach out to the following organizations:

• Akhuwat Islamic Microfinance Institute
  Website: https://akhuwat.org.pk/
  Phone: 091-111-265-265
• Bank of Khyber
  Website: https://ehsaasnaujawan.bok.com.pk/
  Phone: 091-111-265-265

Conclusion

The Ehsaas Naujawan Program 2025 is a wonderful opportunity for young people in Khyber Pakhtunkhwa to turn their business ideas into successful ventures. With interest-free loans, flexible repayment options, and no collateral required, this program makes it easier than ever to start a business.

So, if you’re a young person in KP with a great business idea, now is the time to take action. Apply today and take your first step toward becoming a successful entrepreneur in your community. This is your chance to unlock the financial support you need and build a brighter future

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