CM KPk Ehsaas Naujawan Loan Program 2025
CM KPK Ehsaas Naujawan Loan Program 2025 is a revolutionary initiative of the Government of Khyber Pakhtunkhwa to lead the youth towards self-employment and entrepreneurial independence through interest-free loans. Under this program, loans ranging from Rs. 100,000 to Rs. 5 million are being given to youth between the ages of 18 and 35, including women, minority communities, madrassa students and transgender people. The repayment period of the loans is 3 to 8 years and there is no collateral or interest.
حکومت خیبر پختونخوا کا ایک انقلابی قدم ہے جو نوجوانوں کو بلا سود قرضوں کے ذریعے خود روزگاری اور کاروباری خود مختاری کی طرف لے جانے کے لیے شروع کیا گیا ہے۔ اس پروگرام کے تحت 18 سے 35 سال کی عمر کے نوجوانوں کو، جن میں خواتین، اقلیتی برادریوں، مدارس کے طلباء اور ٹرانسجینڈر افراد شامل ہیں، ایک لاکھ سے پانچ ملین روپے تک کے قرضے دیے جا رہے ہیں۔ قرضوں کی واپسی کی مدت 3 سے 8 سال رکھی گئی ہے اور اس میں کسی قسم کی ضمانت یا سود شامل نہیں ہے۔
Applying for this program has been made very easy. For large loans, candidates can apply on the online portal, while for small loans, they can apply by visiting the nearest Akhuwat branch. No educational degree or prior business experience is required, only a strong business idea and identity card are required. The aim of this program is to empower the youth of Khyber Pakhtunkhwa, eliminate unemployment and promote economic development at the local level.
Introduction
In a significant move to address youth unemployment and promote self-reliance, the CM KPK Ehsaas Naujawan Loan Program 2025 provides financial support to young entrepreneurs in Khyber Pakhtunkhwa. By offering interest-free loans, the program seeks to alleviate financial barriers and encourage the youth to embark on entrepreneurial ventures.
Program Overview
Objective
The primary objective of the program is to empower the youth of Khyber Pakhtunkhwa by providing them with the necessary financial resources to start or expand their businesses. This initiative aims to reduce unemployment, promote economic growth, and foster a culture of entrepreneurship within the province.
Loan Details
- Loan Amount: PKR 1 million to 5 million
- Interest Rate: 0% (Interest-Free)
- Repayment Period: Up to 8 years
- Grace Period: 20 months
- Collateral: Not required
- Eligibility: Youth aged 18–35 years
Eligibility Criteria
To qualify for the Naujawan Loan Program 2025, applicants must meet the following criteria:
- Age: Between 18 to 35 years
- Residency: Permanent residents of Khyber Pakhtunkhwa, including merged districts
- Business Plan: A clear and feasible business idea or plan
- Legal Status: Must form a registered firm or partnership with 3 to 5 individuals
- Credit History: Clean credit record (e-CIB)
Application Process
For Bank of Khyber Loans
- Visit the Official Portal: Go to https://ehsaasnaujawan.bok.com.pk
- Fill Out the Application Form: Provide all required details
- Attach Documents: Upload CNIC and business plan
- Submit Application: Complete the submission process
For Akhuwat Microfinance Loans
- Locate Nearest Branch: Find the nearest Akhuwat branch
- Visit in Person: Go to the branch with CNIC and business idea
- Submit Application: Provide necessary documents and await processing
Loan Categories
Small Business Loans – Akhuwat Microfinance
- Loan Amount: PKR 100,000 to 500,000
- Target Audience: Individuals looking to start micro or home-based businesses
- Repayment Period: 36 to 60 months
- Interest Rate: 0% (Interest-Free)
- Collateral: Not required
Large Business Loans – Bank of Khyber
- Loan Amount: PKR 1 million to 5 million
- Target Audience: Youth aiming to establish medium or large-scale businesses
- Repayment Period: Up to 8 years
- Interest Rate: 0% (Interest-Free)
- Collateral: Not required
Program Benefits
- Interest-Free Financing: No interest charges on loans
- No Collateral Required: Eliminates the need for property or asset guarantees
- Flexible Repayment Plans: Tailored repayment schedules to suit business needs
- Inclusive Access: Special quotas for women, minorities, and transgender individuals
- Government Support: Backed by the Government of Khyber Pakhtunkhwa
FAQS
1. Is any educational qualification required to apply?
No, the program does not require any specific educational qualification. A valid CNIC and a feasible business idea are sufficient.
2. Can females and transgender individuals apply individually?
Yes, the program encourages applications from all gender identities and provides special quotas to ensure inclusivity.
3. Is prior business experience necessary?
No, prior business experience is not mandatory. The program is open to first-time entrepreneurs with a viable business plan.
4. How long does the application process take?
The processing time varies. Applicants are advised to submit complete documentation to avoid delays.
5. Are there any hidden charges in loan processing?
No, the program is 100% interest-free with no processing or collateral fees.
Conclusion
The CM KPK Ehsaas Naujawan Loan Program 2025 is a significant step towards empowering the youth of Khyber Pakhtunkhwa. By providing interest-free loans without collateral requirements, the program removes financial barriers and encourages young individuals to pursue entrepreneurial ventures. This initiative not only aims to reduce unemployment but also fosters economic growth and self-reliance among the youth. If you are a young resident of Khyber Pakhtunkhwa with a viable business idea, this program offers a valuable opportunity to turn your aspirations into reality.