Overview of Ehsaas Naujawan Program
Khyber Pakhtunkhwa government has launched the Ehsaas Naujawan Program Youth Loan Scheme to promote youth business. Under this program, interest-free loans will be provided by the government to entrepreneurs. Such entrepreneurs whose limited access to financing is causing great distress to the youth at the business level.
The government has launched this project to alleviate this crisis. So that the business community can be empowered on a large scale. They can contribute to economic development, job creation and social change.
If you want to get a loan from the government through this program or want to know the details of submitting an application, we will tell you all the information in this article. So that you can benefit from this government program by knowing the right information.
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CM Khyber Pakhtunkhwa Ali Amin Khan Gandapur Allocate Budget
For the implementation of this program, Khyber Pakhtunkhwa Chief Minister Ali Amin Khan Gandapur has allocated Rs 1.1 billion to the current budget. The first phase of this program is being implemented in collaboration with the Bank of Khyber. According to this interest-free loans will be provided to the youth for Rs 1 billion.
Objectives of the Ehsaas Loan Program 2025
Some of the main objectives of the Ehsaas Youth Program are given below.
- Empowering Youth: To enable young people to develop and expand their businesses by providing financial and non-financial assistance.
- Encouraging Cluster-Based Collaboration: To promote the formation of youth clusters that improve resources, skills and networks.
- Facilitating Job Creation: This includes reducing youth unemployment by creating self-employment and job opportunities for others through youth-led enterprises.
- Increasing Financial Access: To make access to start-up or small-scale capital effective and easy for young businesses by offering affordable soft loans and reducing financial barriers.
- Building Entrepreneurial Skills: To provide training and mentoring programs. The main objective of which is to equip young entrepreneurs with business planning, financial systems, etc.
- Contributing to Economic Development: Includes strengthening local and national economies by enabling youth-led small and medium-sized entrepreneurs or enterprises to flourish.
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Key Features of YCSLEP
- Affordable Financing: YCSLEP offers low-interest or interest-free loans to entrepreneurs. Designed to meet the financial needs of young people. Reducing financial barriers that prevent young people from entering business.
- Cluster-based approach: program encourages young entrepreneurs to form clusters or groups with common business interests or industries.
- Training and mentoring: In addition to financial assistance, the program often offers training sessions and mentoring opportunities.
- Focus on key sectors: In this program, priority will be given to sectors with high growth potential such as technology-enabled, innovative energy beneficiation and creative industries, generally in line with national development goals.
Benefits Of The Loan Ehasaas Nojawan Program
Under the Ehsaas Youth Program, youth will get the following benefits.
1. First part of this program:
- Loans ranging from Rs 10 to 500,000 will be given to clusters of three to five youth for 18-35 years.
- An easy schedule of 8 years has been prepared for the repayment of loans.
- There will be a grace period of the first 20 months in which no recovery will be made from the youth.
2. Second part of the Ehsaas Loan Program
- Akhuwat Microfinance Bank will be partner. In addition to which the government has allocated Rs 2 billion.
- In this phase, small-scale loans will given to people between the ages of 18 and 40.
- Interest-free loans ranging from Rs 100,000 to Rs 500,000 will be provided to start a business.
3. Under this program, quota will also be allocate for young women and special people.
4. Furthermore, three different programs are also being launch by the Khyber government, including Ehsaas Apna Ghar Program, Ehsaas Rozgar Program and Ehsaas Hunar Program.
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Eligibility Criteria
If you want to be a part of the Ehsaas Loan Scheme. Then first of all you must fulfill the eligibility criteria which includes the following steps.
- The age of the youth should be 18 to 35 years for Book Loan and Akhuwat Loan.
- The youth must be a resident of Khyber Pakhtunkhwa.
- The applicant must have a valid CNIC.
- There must be a viable business proposal.
- The youth must have a clean credit history.
How to Apply Ehsaas Naujawan Program?
Applicants who want to apply for the Ehsaas Youth Noon Scheme. Then they should use the procedure given below.
- Visit the official website of https://ehsaasnaujawan.bok.com.pk/ using a mobile or computer.
- There a new window opens in front of you.
- You have to enter the name of your business on the screen, the name of the managing partner, CNIC details and the number of partners.
- As soon as you enter all these details, a new screen opens in front of you. In which you enter all your details with an explanation.
- All your information will checked by the government.
- After the verification is complete, you will be notified by email.
- In addition, the government will make a blotting list for this on the website.
Main Components of Youth Cluster Soft Loan Entrepreneurship Program(YCSLEP)
The government provides financial assistance to this program through two components, Bank of Khyber and Akhuwat Islamic Microfinance. The age requirements for both are different, which are given below.
| Bank of Khyber Range: | It will provide loans from 1- 5 million to groups of partners. |
| Target: | 3 to 5 years will consist of clusters of skilled youth. |
| The procedure: | first, you have to apply through the online loan application portal of Chief Minister Khyber Pakhtunkhwa.After that, submit a viable business plan.After that, you have to provide the required documents.Your application will undergo verification. |
| Akhuwat Islamic MicrofinanceLoan: | It will provide loans from 1- 5 million to groups of partners. |
| Limit: | It provides Akhuwat loans to single or unmarried youth from zero to 0.5million.. |
| Focus | The Focus will be on individual micro businesses. |
| The procedure: | For interest-free loans, an application must be submitted through the Chief Minister Khyber Pakhtunkhwa Program. You must accurately describe your business proposal in the application as much as possible. Meet the eligibility criteria given. Finally, you have to complete the required documents. |
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Conclusion
The Khyber Pakhtunkhwa Government has introduced the Ehsaas Youth Program for entrepreneurs. The main objective of this is to reduce the problem of financing and independence and provide business development to the unemployed class. In which entrepreneurs will be empower. Under this program, high-interest loans will be provided by the government at a concession of the first 20 months. All the details regarding registration have given to you in this article.
Frequently Ask Questions
Who can apply for the Ehsaas Naujawan Programme?
Youth between the ages of 18 and 35 can apply for this program.
How can I apply for the Ehsaas Loan Program?
To apply, you have to visit the official website of Ehsaas Youth Book.
What is the repayment period for these loans?
Bank of Khyber loans under the Youth Program include a grace period of 20 months with a repayment period of eight years. While Akhuwat loans have similar flexible terms as per Sharia.
Is there any quota for women and minorities?
Yes, 20% of the loans have been earmarked for women by the government. While minorities, disabled people, transgenders and students of madrasas have also been include.
Are the loans interest-free?
Yes, all loans are being provided by the government under the Ehsaas Youth Program 2024 without interest.