Ehsaas Youth Interest Free Loan

Ehsaas Youth Interest Free Loan Online Apply 2023-2024 [Latest Update]

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Ehsaas Program Pakistan by the X-Prime Minister of Pakistan Imran Khan has started a number of programs under the flagship Ehsaas Program for the betterment of Pakistani citizens to help fight against poverty and increasing inflation in the country.

Ehsaas Interest-Free Loan for Youth is one of them.

Due to the non-availability of jobs in government departments in Pakistan, the only option available for the well-educated youth is to start their own business which own business is a particularly good thing. But in our country, everyone is just running after jobs and they always keep a business as a last option, which is not a good decision.

But now the situation is different and the youth of Pakistan including both boys and girls can get an interest-free loan from the Govt of Pakistan if they want to start their own business. They cannot say we do not have an investment to start a business.

Ehsaas Youth Interest Free Loan

If you also fall in this category who can use investment as an excuse? It cannot be an excuse anymore and you can get a handsome amount of money to kick-start your business.

This post is all about:

Ehsaas Interest-Free Loan

The eligibility criteria for Ehsaas youth interest-free loan

How to apply for Ehsaas Youth Interest Free Loan?

Apply online for loan

How to apply by using the ehsaas app?

Steps to apply for the loan

Ehsaas Interest Free Loan Latest Updates & Detail

1Headquarter Address Plot No. 14, Street 12, G 8/1, Islamabad, Pakistan
2Contact +92 (51) 8439450 – 79
3Fax No(+92-51) 2234343-79

Ehsaas Interest-Free Loans Eligibility Criteria

  1. The loan seeker age must be between 18-60 years
  2. Fall under poverty score 0-40
  3. A valid CNIC National Identity Card
  4. A resident of the targeted union council of the district applying
  5. Economically viable business plan

Ehsaas Loan Program 2023 Approval Process

The application for the Ehsaas Loan will only be accepted and entertained if the candidate is:

  • Pakistani national
  • Falling below the poverty line
  • Have a valid ID card

Ehsaas Youth Loan Form Application Process

  • Submit a complete written application at the loan center
  • Verify that you are falling under the poverty score
  • Register as a potential borrower and complete the registration process
  • Fill and submit the business plan form to the concerned department
  • Provide all the required legal documents to the concerned government department

How To Prepare The Business The Business Plan To Get The Loan Application Approval?

Your application will not be processed until you submit the business plan for which you are seeking the loan. Here is how you can prepare your business plan which can be helpful in fast application approval.

Collect all the details about the business

Reason for starting the specific business

Targeted production and sales

How you will do the marketing of your business?

The overall expense of your business

Financial resources

Profit estimation

List of Verified Banks for Interest-Free Loans in Pakistan

  1. National Bank of Pakistan (NBP)
  2. First Women Bank Limited
  3. Khushhali Microfinance Bank
  4. SME Bank Limited
  5. The Bank of Punjab
  6. Zarai Taraqiati Bank Limited (ZTBL)
  7. Habib Metropolitan Bank
  8. United Bank Limited (UBL)
  9. MCB Bank Limited
  10. Faysal Bank Limited

Digital Youth Hub Loan Tier 1, 2 & 3 Explained

Tier 1

The range is 0.5 million PKR with 0% markup

Tier 2

The range is above 0.5 Million up to 1.5 Million PKR with a 5% markup

Tier 3

The range is above 1.5 Million up to 7.5 Million PKR with a 7% markup

How To Track The Status of Youth Interest-Free Loan?

The government of Pakistan has launched its own online tracking portal for checking the status of youth interest-free loans.

Ehsaas Youth Loan Calculator

With this calculator, you can easily calculate much loan amount and the time period. The minimum period is 1 year and the maximum is 8 years. You have to submit the loan in between 1-8 years to the government.

Offices In Different Cities of Pakistan

If you are a resident of any of these cities, you can directly visit the nearest office.

Punjab (Head Office)

4th Floor, 3rd Building, Aiwan-e-Iqbal Complex Egerton Road, Lahore
Tel: (042) 111-111-456, 99204701-12


Bungalow No. 15-A, Chaman Housing Scheme Airport Road, Quetta
Tel: (081)-2831623 – 2831702

Khyber Pakhtunkhwa

Ground Floor, State Life Building The Mall, Peshawar
Tel: (091)-111-111-456, 091-9213046-7 Email:


5th Floor, Bahria Complex II M.T. Khan Road, Karachi
Tel: (021)-111-111-456

FAQs About Ehsaas Youth Interest-Free Loan Scheme

Can loans be applied physically in branches?

No physical applications can be required. You can apply online directly at the above-given link.

Can a non-resident Pakistani apply?

No a non-resident Pakistani cannot apply for Youth Loan. As we mentioned above the applicant should be a resident of Pakistan.

Can government employees apply?

No, government employees cannot apply for the Ehsaas Youth Loan Scheme. This scheme is for those citizens who do not have any job and who want to start their own business.

What is the minimum educational requirement for an applicant?

There is no such minimum requirement of education for an applicant to get their loan approval. But, yes if you are a well-educated youth the decision will be more easy and smooth for the banks to approve your applications.

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