What is the Ehsaas Naujawan Programme?
The Ehsaas Naujawan Programme is a joint initiative of the Government of Khyber Pakhtunkhwa and the Bank of Khyber. The scheme aims to promote entrepreneurship, create employment opportunities, and support young individuals with viable business ideas. By offering easy access to financial services, this program empowers youth to establish sustainable businesses across the province.
Key Features of the Programme
- Target Area: All districts of Khyber Pakhtunkhwa including merged districts.
- Loan Type: Term Loans (Demand Finance).
- Financing Limit: PKR 1 million to PKR 5 million per entity, based on business potential.
- Loan Tenure: Up to 8 years with a maximum grace period of 20 months.
- Markup: Completely interest-free (0% markup).
- Legal Status: Applicants must form a registered firm/partnership with 3–5 individuals.
- Debt to Equity Ratio: 90:10. For new businesses, cash equity in the form of a deposit is required.
- Security Requirements:
- Personal guarantee of all partners.
- Corporate guarantee of the firm.
Eligible Sectors for Financing
The scheme covers a wide range of sectors, with special focus on:
- Information Technology & Digital Services
- Education Sector
- Healthcare & Biotechnology
- Agriculture (value-chain businesses)
- Green Energy Solutions
- Tourism, Hoteling & Restaurants
- Retail Trading & Manufacturing
- Media, Photography & Entertainment
- Fitness Gyms & Skin Care Clinics
- Any other feasible micro or small-scale entrepreneurial idea
Eligibility Criteria
- Permanent residents of Khyber Pakhtunkhwa only.
- Age limit: 18 to 35 years.
- Minimum of 3–5 individuals in a registered firm or partnership.
- Government employees are not eligible.
- Both startups and existing businesses (less than 2 years old) can apply.
Frequently Asked Questions (FAQ)
Q1: Can an individual apply alone?
No, a partnership or registered firm with at least 3–5 members is required.
Q2: What is the maximum loan size?
Between PKR 1 million and PKR 5 million, depending on business feasibility.
Q3: Is this loan interest-free?
Yes, it is a completely markup-free loan scheme.
Q4: Can siblings apply together?
Yes, as long as they meet the eligibility requirements.
Q5: How will the loan be repaid?
Through Equal Monthly Installments (EMI).
How to Apply
Interested applicants can apply online through the official Bank of Khyber portal.
👉 Apply Online – Ehsaas Naujawan Programme
Conclusion
The Ehsaas Naujawan Programme is a golden opportunity for the youth of Khyber Pakhtunkhwa to turn their ideas into successful businesses. With interest-free financing of up to PKR 5 million, young entrepreneurs can now launch or expand startups in IT, education, health, tourism, and other high-potential sectors. This initiative will not only boost self-employment but also contribute to the overall economic growth of the province.
🔗 Discover more government initiatives at: Pak Schemes
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