غیر سرکاری رہنما، سرکاری ویب سائٹ نہیںUnofficial guide, not a government siteWhy
حقدارHaqdaar · Unofficial guide
اردو

Haqdaar is an independent, unofficial guide. We are not BISP, the Government of Pakistan or any provincial government. We never ask for your CNIC, phone number or any fee. Apply only on the official website or office linked on this page.

حقدار ایک آزاد، غیر سرکاری رہنما ہے۔ ہمارا بی آئی ایس پی، حکومتِ پاکستان یا کسی صوبائی حکومت سے کوئی تعلق نہیں۔ ہم کبھی آپ کا شناختی کارڈ نمبر، فون نمبر یا کوئی فیس نہیں مانگتے۔ درخواست صرف اس صفحے پر دی گئی سرکاری ویب سائٹ یا دفتر میں دیں۔

OngoingKhyber Pakhtunkhwa

KP Ehsaas Naujawan Programme

Also called: Interest-free youth business loans

Interest-free business loans for young people aged 18–35 in Khyber Pakhtunkhwa.

Last checked: (today) · Source: kpyouthaffairs.gov.pk

This page was last checked more than 30 days ago. We are re-checking it. Confirm on the official source before you act.

Who it is for
Young people aged 18–35.Source: kpyouthaffairs.gov.pk (Ehsaas Naujawan Programme news page)Checked on:
How much
Small business: up to Rs 500,000 (through Akhuwat), repaid over 36 months after a one-month grace period.This figure is more than 45 days old, so we have hidden it. Confirm it on the official site or helpline.Source: kpyouthaffairs.gov.pk (Ehsaas Naujawan Programme news page)Checked on:
Larger business: Rs 1 million to Rs 5 million (through the Bank of Khyber), repaid over 72 months after a grace period of up to 20 months.This figure is more than 45 days old, so we have hidden it. Confirm it on the official site or helpline.Source: kpyouthaffairs.gov.pk (Ehsaas Naujawan Programme news page)Checked on:
All loans are fully interest-free.Source: kpyouthaffairs.gov.pk (Ehsaas Naujawan Programme news page)Checked on:
How to apply
Bank of Khyber loans (Rs 1–5 million): apply on the online portal ehsaasnaujawan.bok.com.pk, as given on the official page.Source: kpyouthaffairs.gov.pk (Ehsaas Naujawan Programme news page)Checked on:
Official helpline
We have not found a confirmed helpline yet.
Official page: kpyouthaffairs.gov.pk(opens in a new tab)Am I eligible?

According to Youth Affairs Department, Khyber Pakhtunkhwa: Small business: up to Rs 500,000 (through Akhuwat), repaid over 36 months after a one-month grace period. Checked by Haqdaar on 26 Oct 2026.

Current status
The KP Youth Affairs Department page describes the programme (7 Nov 2024). Later changes are not confirmed.Source: kpyouthaffairs.gov.pk (Ehsaas Naujawan Programme news page)Checked on:
Who qualifies
  • Age 18 to 35.Source: kpyouthaffairs.gov.pk (Ehsaas Naujawan Programme news page)Checked on:
  • Funds are shared across all districts of the province in proportion to population.Source: kpyouthaffairs.gov.pk (Ehsaas Naujawan Programme news page)Checked on:
  • UnverifiedLoans without collateral.Unverified: not confirmed from an official source. Check the official site.Source: kpyouthaffairs.gov.pk (Ehsaas Naujawan Programme news page)Checked on:
Documents needed

We have not listed documents because we could not confirm the current list from an official source. Ask the official site or helpline. Give your CNIC only at the official office or on the official website.

How to apply
  1. Bank of Khyber loans (Rs 1–5 million): apply on the online portal ehsaasnaujawan.bok.com.pk, as given on the official page.Source: kpyouthaffairs.gov.pk (Ehsaas Naujawan Programme news page)Checked on:
  2. Akhuwat loans (up to Rs 500,000): apply at your nearest Akhuwat branch. The branch list is linked from the official page.Source: kpyouthaffairs.gov.pk (Ehsaas Naujawan Programme news page)Checked on:

Official page: kpyouthaffairs.gov.pk(opens in a new tab)

How to check your status
  • For status, contact the lender you applied to (Bank of Khyber or the Akhuwat branch).Source: kpyouthaffairs.gov.pk (Ehsaas Naujawan Programme news page)Checked on:
Scams around this scheme
  • Avoid “agents” who charge to get your loan approved or for a “file fee”. Apply only on the official portal or at the bank branch.
  • “Instant loan” ads on WhatsApp or Facebook are usually not the government scheme.
  • Never share your OTP, PIN or bank password with anyone.
Questions people ask
Is there interest on the loan?
No. The official page says all loans are interest-free.
Change log
  • : Programme details published on the official page.Source: kpyouthaffairs.gov.pk (Ehsaas Naujawan Programme news page)Checked on:

Three things that keep you safe

  1. BISP messages come only from 8171

    A message from any other number, WhatsApp account or link is fake.

    Source: bisp.gov.pk (Press Release No. 20, 10 Mar 2026)Checked on:

  2. Registration is free

    There is no fee to register with BISP or to receive a payment. Report any deduction on 0800-26477.

    Source: bisp.gov.pk (Press Release No. 20, 10 Mar 2026)Checked on:

  3. There is no online PMT checker

    Any website that claims to show your PMT score is fake.

    Source: PhoneWorld (Report on fake "8171 check online" sites, quoting a BISP official) (not official, so not linked)Checked on:

Got a suspicious message? Check it here · Common scams

Report a mistake

Related schemes

PM Youth Business & Agriculture Loan SchemeSubsidised bank loans for young people’s businesses and farming.Status unclearCM Punjab Asaan Karobar CardAn interest-free digital business card of up to Rs 1 million for small entrepreneurs in Punjab.Ongoing

This page is also in اردو.