Yeh neeche di gayi maloomat “Ehsaas Naujawan Loan Program 2025” ke hawale se hai, jo Government of Khyber Pakhtunkhwa ne launch kiya hai. Yeh mukhtalif backgrounds se taluq rakhne wale youth (mard, khawateen, transgender, minorities, madrasa students) ke liye ek interest-free qarza scheme hai.
🧾 Ehsaas Naujawan Loan Program 2025
Maqsad:
Naujawano ko apna karobar shuru karne ka moka dena, financial azadi faraham karna, aur berozgar logon ko mustaqil rozgar ki taraf le kar jana.
Tanzeemat ka Taawun:
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Directorate of Youth Affairs
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Bank of Khyber (BoK)
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Akhuwat Islamic Microfinance
Visit: PM Loan Scheme For Agriculture 2025 – Full Guide
👥 Kaun Faida Utha Sakta Hai?
| Feature | Tafseel |
|---|---|
| Loan Type | Bilkul interest-free |
| Eligibility | 18–35 saal ke youth, transgender, minorities, madrasa students |
| Small Loan (Akhuwat) | Rs. 100,000 – Rs. 500,000 |
| Large Loan (BoK) | Rs. 1 million – Rs. 5 million |
| Collateral | Nahi chahiye |
| Repayment Time | 3 se 8 saal tak (loan ke hisaab se) |
| Apply Karein | ehsaasnaujawan.bok.com.pk |
| Helpline | 091-111-265-265 |
✅ Eligibility Criteria
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KPK ka permanent resident ho (Merged districts shamil hain)
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18 se 35 saal ke darmiyan umar ho
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Valid CNIC zaroori hai
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Business idea ya plan hona chahiye
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Business KPK mein hi hona chahiye
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Graduates, skilled persons, madrasa students, aur minorities encouraged hain
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e-CIB (loan record) saaf hona chahiye
Visit: CM Punjab Kisan Card 2025 – 3 Lakh for Punjab Farmers
❌ Kaun Apply Nahi Kar Sakta
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Individual applicants jo kisi registered group ya firm ka hissa nahi
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Government ya semi-government employees
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Loan defaulters jin ke overdue 60 din se zyada ho
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BoK employees ya program ke consultants
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Aise businesses jo illegal cheezon mein shamil hain (jaise arms, alcohol waghera)
💰 Loan Options
Akhuwat Islamic Microfinance – Small Loans:
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Amount: Rs. 100,000 – Rs. 500,000
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Interest: 0%
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Repayment: 36 – 60 months
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Collateral: Nahi chahiye
Bank of Khyber – Large Loans:
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Amount: Rs. 1M – Rs. 5M
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Interest: 0%
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Repayment: Up to 8 saal
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Collateral: Nahi chahiye
Visit: BISP 8171 Scheme Account Offering 40% Profit 2025
📝 Apply Karne Ka Tarika
BoK Loans (1M–5M):
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Visit karein: ehsaasnaujawan.bok.com.pk
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Online form fill karein
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CNIC aur business plan upload karein
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Submit karein aur wait karein
Akhuwat Loans (100K–500K):
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Kareebi Akhuwat branch pe jaayein
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CNIC aur business idea le kar jaayein
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Documents jama karein
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Confirmation ka intizaar karein
📆 Repayment aur Transparency
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BoK Loans: 8 saal tak asaani se repay karein
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Akhuwat Loans: 36–60 months tak ka aram se waqt
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Koi interest, collateral ya processing fee nahi
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Har cheez clear aur samajhne wali hai
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Bilkul hidden charges nahi hain
Visit: CM Maryam Nawaz PSDF Tabeer Program How To Apply 2025
🌟 Program Ke Fawaid
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Youth ko self-employed banane ka moka
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Transgender aur minorities ko equal access
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Har qisam ke business ke liye loan available
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Local economic development promote hoti hai
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Government ki taraf se guarantee di ja rahi hai
📞 Rabta Karne Ke Liye
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BoK Helpline: 091-111-265-265
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BoK Website: www.bok.com.pk
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Application Portal: ehsaasnaujawan.bok.com.pk
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Akhuwat Branch Info: akhuwat.org.pk/branch-network
🔚 Aakhri Baat
Yeh program sirf loan nahi, ek nayi zindagi ka raasta hai. Agar aap ke paas koi acha business idea hai aur aap KPK ke youth hain to yeh moka haath se na jaane dein. Apply karein aur apna mustaqbil khud banayein.