Ehsaas Prime Minister Qarz-E-Hasna Scheme – 2023 Apply Online

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Our country is struggling a lot and facing some difficult days, Our youth population is only 65% and you might know that the youth is one of the most important factors when it comes to the economy.

So, according to the youth population, there are not enough jobs for young people no matter, how good their qualifications are.

So, people are under extreme stress and problems so, To reduce stress federal government has recently started the Ehsaas Qarza e Hasna scheme to reduce poverty by providing online loans to everyone for their business and help them become financially stable.

This is indeed a great initiative that was taken by Imran Khan in March 2019. So, the main and actual objective/reason behind this scheme is just to help people and even the degree-unemployed youth of the country.

By offering financial support to those in need, this project aims to bring about social change by strengthening society’s weak and vulnerable sectors.

Ehsaas Prime Minister Qarz-E-Hasna Scheme

As mentioned earlier, the Ehsaas Qarz e Hasna program is an amazing scheme for all needy people to start their businesses and achieve financial success. It’s an online loan app for all low-income families to establish their businesses, and increase their home income as well as their living standard.

Also, the best thing about this app is that it is completely online so, anybody can apply it from their homes.

The entire application procedure is so easy and quick which permits you to check your application’s status. Additionally, the program has a financial literacy component that aids borrowers in successfully managing their finances and operating their enterprises.

Millions of low-income households in Pakistan could benefit from the Ehsaas Qarz-e-Hasna program, which is a crucial step in the fight against poverty in the nation.

Ehsaas Trust Prime Minister Qarz-E-Hasna Scheme Selection Procedure

As you know, it’s an interest-free loan scheme which is for the betterment of the country’s youth. So, the following are the steps to complete the entire procedure:

Step 1:

To be eligible for the Ehsaas Qarza Hasna scheme, your poverty rate has to be almost 40, It is only for unemployed people, low low-income families who are not able to afford their expenses and deal with all the things.

Step 2:

This is the most crucial step of the entire procedure, which includes the application submission. So, you need to fill out the application form and submit with along with all the required documents.

Step 3:

This step involves the verification procedure, After the application submissions step, fill out the PM loan scheme, and then once the form and documents are verified by the team, the loan is approved.

Step 4:

In this step, the loan is provided to the applicant, and you can get a loan of up to 100,000rs.

Prime Minister Qarz-E-Hasna Scheme Online Apply

It’s an extremely simple and the easiest procedure to get a loan, so if you think that you are eligible for it and want to start your own business set up.

Then, you should apply for it. All you must do is visit your nearest Qarza loan center and fill out the form along with the important documents that are required for it. Once your application is approved after the procedure of 2-4 weeks, then, you can apply for it.

If you are verified then, your application will be approved, and you can get a loan.

Prime Minister Qarz-E-Hasna Scheme in Pakistan Eligibility Criteria

As mentioned earlier, your poverty score must be up to 40% then, only then will you be eligible for the loan. Also, you must meet the following criteria to get a loan.

  • Unsafe poor as well as rural people
  • You must have a valid CNIC
  • The age limit is between 18-62
  • You shouldn’t be involved in any sort of illegal activities

Also, the borrower of the loan has to return the amount over the monthly installments.

Prime Minister Qarz-E-Hasna Scheme For Business in Pakistan

As mentioned earlier, you can launch a company of your own as soon as you receive the loan amount. The budget of this effort is 17.7 billion rupees for Phase 2, which runs from 2019 to 2023, so you may cover your housing bills.

This initiative was launched in Balochistan, where qualified families impacted by the COVID-19 pandemic received payments ranging from Rs 10,000 to Rs 25,000. However, this game has now been spread across Pakistan’s districts.

Ehsaas Trust Qarza e-Hasna Scheme Partner Universities

Ihsan Trust is another great organization by Akhuwat which is helping needy students to complete their studies by providing them with financial aid. As they are giving interest-free loans to deserving students without any sort of backup security.

These loans are provided by a few specific universities that are in partnership with Ihsan Trust.

Terms & Conditions Qarz e Hasna Scheme

Eligibility Criteria:

As mentioned earlier, these people are eligible to apply for this scheme such Unsafe poor as well as rural people, You must have a valid CNIC, The age limit is between 18 and 62, and you shouldn’t be involved in any sort of illegal activities

  • Loan Amount: You can easily get up to 100,000rs which is completely interest-free.
  • Repayment: As mentioned earlier, you can pay the loan in installments of almost one year over a monthly basis after three months of receiving the loan.
  • Default: If the borrower is not paying them back then, the government has enough rights to take some legal actions against that individual.
  • Financial Literacy: The borrower is required to go to government-sponsored workshops on financial literacy to learn about money management, planning a budget, and entrepreneurship.
  • Misuse of Funds: The borrower should never misuse funds if they have gotten a loan only for the intention of starting their business, you should invest it in their business otherwise strict legal actions will be taken against that individual.
  • Documentation: As mentioned earlier, it is important to provide all the necessary and required documents to the government.


I hope, that you have liked the article and if you want Ehsaas Prime Minister Qarz-E-Hasna then, you can easily get it by following the steps that are mentioned earlier.

Here, we have provided all the information related to it such as online registration, eligibility criteria, Ehsaas Prime Minister Qarz-E-Hasna’s objective, etc.

I hope you like the article; if you want more articles like this, please let us know and appreciate us so we can provide you with more incredible articles like this.

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