Ehsaas Nojawan Scheme 2025 – Millions of youth complete their education every year. Yet after graduation, these young graduates face difficulties in landing internships and jobs. This results in high rates of unemployment, underemployment, and a scarcity of financial resources. To address these challenges, the Government of Khyber Pakhtunkhwa has launched the Ehsaas Nojawan Scheme 2025. It is a flagship of the Ehsaas Program, launched by the former Prime Minister of Pakistan, Imran Khan. In the case of Ehsaan Nojwan, the program was launched by the Chief Minister of Khyber Pakhtunkhwa, Gandapur. It aims to provide interest-free loans to the youngsters to start or upgrade businesses. Now I will present all the aspects of the Ehsaas Nojwan Scheme 2025.

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Why Ehsaas Nojawan Scheme 2025?

Apart from Khyber Pakhtunkhwa, youth face these difficulties all across Pakistan.

💰 Limited access to low-cost financing,
📈 High interest rates,
📑 Difficult loan documentation,
🎓 Lack of entrepreneurial training and mentoring.

This program is designed to help youth through interest-free loans, simplified eligibility, and flexible repayments. If this is implemented properly, youth-led businesses will flourish in the country, job creation will increase, and our economy will grow.

Key Features & Components of Ehsaas Nojawan Scheme 2025

This program has been implemented in two components in alliance with the Bank of Khyber. Some of its features are listed below,

Component I

🏦 Implementer: This component has been implemented with the help of the Bank of Khyber.
💰 Loan Amount: For groups of 3 to 5 people, loans of PKR 1,000,000 to PKR 5,000,000 have been allocated.
👥 Age Group: Individuals between the ages of 18 and 35 are included in this component.
🎯 Target Applicants: Groups that have good business ideas are given more priority.
🔁 Repayment: Applicants will be given 8 years for repayments.
⏳ Grace Period: 20-month grace period for applicants.

Component II

🏦 Implementer: The Akhuwat Microfinance Bank has helped in the implementation of Component II.
💰 Loan Amount: Loans ranging from 100,000 to 500,000 for small businesses or individuals
👥 Age Group: Applicants can be between the ages of 18 and 40 years.
🎯 Target Applicants: This component gives priority to low-income, women, and disabled people.
🔄 Repayment/Grace Periods: The repayment and grace period depend on the size of the loans, but these terms are less than those of the Bank of Khyber.

A total of PKR 3 billion was allocated for the Ehsaas Nojwan Scheme 2025, from which PKR 1.1 billion was allocated for the fiscal year.

Eligibility Criteria of the Ehsaas Nojawan Scheme 2025

The criteria set by the government of Khyber Pakhtunkhwa are very flexible, so anyone interested in applying should focus on the points below,

🎓 Age: The applicant must be between 18 and 35 for Component I. For Component II, the applicant must be between 18 and 40 years of age
🏠 Residency: The applicant must be a KPK citizen.
🆔 Valid CNIC: The applicant must hold a valid CNIC
💳 Credit history: The applicant must have a clean credit card history, mostly for BoK.
📑 Viable business plan or proposal: The applicant must present a viable, feasible, sustainable business plan.

Note: Priority is given to women, persons with disabilities, and marginalized communities.
Note: These requirements can vary for both components.

Application Process

The whole process consists of just 7 steps; anyone interested in applying can follow them.

✅ Check eligibility: Make sure that you are eligible to apply; this includes your age, residency, CNIC, business idea, etc.
📑 Prepare a viable business plan: The applicant must prepare a viable and feasible plan for their business.
🏦 Choose the component: Afterward, applicants can choose between the Bank of Khyber and the Akhuwat Microfinance Bank.
🌐 Online application: Navigate to the official portal of Ehsaas Nojwan Scheme 2025, bok.com, and apply. Don’t forget to upload your documents.
📝 Document verification: The bank from which you apply then starts to verify your details.
📢 Approval & Disbursement: If approved, the disbursement of funds will begin shortly.
💰 Repayment schedule: When the grace period ends, the repayment procedure starts on schedule.

For convenience, keep track of all official announcements for deadlines, forms, branch locations, etc.

Benefits & Public Impact

This program offers numerous benefits. Some of which are listed below,

💸 Zero Interest: Loans with zero interest remove financial burdens from the youth, besides providing them with a stable life.
⏳ Long grace periods: Long grace periods make it easier for businesses to achieve success and thereby easily pay the loans.
🚀 Encourages entrepreneurship: These zero-interest loans are a surefire way for youth to revolutionize their careers and move towards entrepreneurship.
👔 Job creation: New businesses in the market lead to more jobs in the market.
🤝 Social inclusion: Separate quotas for women, disabled people, and marginalized groups ensure social inclusion.
🌍 Regional development: Giving priority to merged districts and rural areas reduces urban migration and increases economic activity.

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Conclusion

The Ehsaas Nojawan Scheme 2025 is an initiative by the government of Khyber Pakhtunkhwa, aimed at improving the lives of employed and underemployed individuals through interest-free financing, inclusive age brackets, thoughtful repayment terms, and targeting both clusters and individual businesses. This program also promises socio-economic returns. It shows us how this program has given us early impacts. However, future impacts depend upon effective governance and implementation. I also depend upon the awareness across rural areas. Now, after examining all the aspects of this program, anyone interested in applying can click the button below.

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