Ehsaas Naujawan Program 2025: Empowering Youth Across Khyber Pakhtunkhwa
Ehsaas Naujawan Program 2025: Empowering Youth Across Khyber Pakhtunkhwa. The Ehsaas Naujawan Program 2025 is a landmark initiative launched by the Chief Minister of Khyber Pakhtunkhwa, designed to empower the province’s youth. With unemployment and limited financial resources being major hurdles for young entrepreneurs, this program fills the gap by offering interest-free loans, skills training, and support for both small and medium-to-large businesses. If you’re a young aspiring entrepreneur in Khyber Pakhtunkhwa, understanding this program could transform your dreams into reality.
In this article, we’ll provide a detailed guide on eligibility criteria, loan amounts, repayment terms, application processes, and program statistics, ensuring you have all the information needed to benefit from this youth-focused initiative.
What is the Ehsaas Naujawan Program?
The Ehsaas Naujawan Program is a government-backed youth empowerment scheme aimed at:
- Providing financial support to young entrepreneurs
- Equipping youth with entrepreneurial skills
- Encouraging inclusive economic growth in Khyber Pakhtunkhwa
- Promoting gender equality in business opportunities
The program primarily targets individuals aged 18 to 35 years and offers a structured pathway to help youth start or scale their businesses without the burden of interest rates.
Key Features of the Ehsaas Naujawan Program
The program is designed with multiple features to ensure accessibility and fairness:
| Feature | Details |
|---|---|
| Target Age | 18 – 35 years |
| Loan Amount (Small Business) | Up to PKR 500,000 |
| Loan Amount (Medium-Large Business) | PKR 1 million – 5 million |
| Providing Institutions | Akhuwat Islamic Microfinance, Bank of Khyber |
| Repayment Terms | 36 months for small, 72 months for medium-large businesses |
| Interest | 100% interest-free |
| Total Budget | PKR 1.4 Billion |
| Application Period | November 2024 – September 2025 |
| Approved Applications | 4,983 (Male: 4,666 |
| Loans Distributed | 4,887 worth PKR 1.3 Billion |
| Loan Distribution Rate | 93% |
This structured approach ensures equal access for youth across every district of Khyber Pakhtunkhwa.
Loan Details
1. Small Business Loans
- Age Limit: 18 – 35 years
- Loan Amount: Up to PKR 500,000
- Providing Institution: Akhuwat Islamic Microfinance
- Repayment Terms: Starts after a 1-month grace period, repayable in equal installments over 36 months
- Interest: Completely interest-free
Eligibility for Small Business Loans
Applicants must demonstrate the viability of their business idea and provide basic documentation such as CNIC, proof of residence, and business plan if required.
2. Medium to Large Business Loans
- Age Limit: 18 – 35 years
- Loan Amount: PKR 1 million – 5 million
- Providing Institution: Bank of Khyber
- Repayment Terms: Starts after a maximum 20-month grace period, repayable over 72 months
- Interest: Completely interest-free
Eligibility for Medium-Large Business Loans
Applicants should have prior business experience or a comprehensive business plan showcasing potential growth, market analysis, and employment generation capacity.
Application Process
A. Bank of Khyber Loans (Medium-Large Businesses)
Applicants can submit applications online via the official portal: ehsaasnaujawan.bok.com.pk
Step-by-Step Process:
- Visit the official Ehsaas Naujawan online portal
- Register with your CNIC and contact details
- Fill out business plan and financial details
- Submit required documents (CNIC, proof of residence, business plan)
- Wait for verification and approval notifications
B. Akhuwat Islamic Microfinance Loans (Small Businesses)
Applicants need to visit the nearest Akhuwat branch to submit their application: akhuwat.org.pk/branch-network
Process Overview:
- Visit any Akhuwat branch
- Submit CNIC and proof of residence
- Present a short business outline
- Staff evaluates application and provides approval
- Loan is disbursed within few working days
Additional information and resources are available on the Khyber Pakhtunkhwa Youth Affairs Department portal: kpyouthaffairs.gov.pk
Fair Distribution of Funds
To ensure transparency and equal opportunity, the Ehsaas Naujawan Program allocates funds proportionally based on district populations. This guarantees that youth across all districts have access to financial support.
Program Statistics
- Applications Received: 21,814
- Approved Applications: 4,983 (Male: 4,666 | Female: 317)
- Loans Distributed: 4,887
- Total Disbursed Amount: PKR 1.3 Billion
- Loan Distribution Rate: 93%
Observation: While the program is highly effective, there’s a gender gap, highlighting the need for additional outreach to empower female entrepreneurs in Khyber Pakhtunkhwa.
Benefits of the Ehsaas Naujawan Program
- Interest-Free Loans – Reduces financial burden on young entrepreneurs
- Skill Development – Supports business training and capacity building
- Inclusive Growth – Promotes equal opportunity across districts
- Youth Empowerment – Helps young individuals contribute to the provincial economy
- Long-Term Stability – Repayment plans are flexible, ensuring sustainability
Tips for Successful Application
- Prepare a clear business plan before applying
- Ensure all documents are accurate and updated
- Keep CNIC and residence proof handy
- Attend workshops or training sessions provided by partner institutions
- Follow official portals to track application status
Quick Checklist:
| Item | Status |
|---|---|
| CNIC Copy | Yes |
| Proof of Residence | Yes |
| Business Plan | Yes |
| Age Verification | Yes |
| Online/Branch Submission | Yes |
FAQs
Q1: Who can apply for the Ehsaas Naujawan Program 2025?
A: Any youth aged 18–35 years in Khyber Pakhtunkhwa, with a viable business idea or existing business, can apply.
Q2: Are the loans really interest-free?
A: Yes, both small and medium-large business loans are completely interest-free, making them highly accessible for youth.
Q3: How can I apply for a small business loan from Akhuwat?
A: Visit the nearest Akhuwat branch with CNIC, proof of residence, and a short business outline.
Q4: What is the repayment period for medium-large loans?
A: After a maximum 20-month grace period, loans are repayable in equal installments over 72 months.
Q5: How are funds distributed across districts?
A: Distribution is proportional to district populations, ensuring fair access for youth in all regions.
Conclusion
The Ehsaas Naujawan Program 2025 is a transformative step toward empowering youth and promoting economic growth in Khyber Pakhtunkhwa. By offering interest-free loans, equitable distribution of funds, and skill development, the program ensures that young entrepreneurs have the tools to succeed.
