Ehsaas Interest Free Loan Program 2024 Apply Online

The Poverty Alleviation and Social Division of the Government of Pakistan, Cabinet Secretariat, has introduced the Ehsaas Interest Free Loan Program 2024 through the Ehsas Kafalat Program. This program aims to promote financial inclusion and support marginalized segments of society, including skilled youth, women, persons with special abilities, transgender people, BISP, Zakat, and Baitul Mal beneficiaries. The program allocates 50% of the interest-free loans to female candidates.

The loans, amounting to Rs. 80,000, will be disbursed every month through 1110 loan centers operated by PPAF Partners, including Akhuwat Organizations (POs) nationwide. The Ehsaas Interest Free Loan Program Online Apply Program is specifically designed to assist individuals and families who face difficulties accessing traditional banking services due to a lack of collateral, income, or credit history. Eligible individuals can receive interest-free loans of up to Rs. 200,000, which can be repaid in manageable installments over 2-3 years.

Ehsaas Interest Free Loan Program 75000 Online Registration 2024

The Ehsaas trust offers interest-free loans for micro-enterprises that generate income. These loans are funded by both the Federal and Provincial Governments. The Federal Government has allocated an additional Rs. 5 billion for the fiscal year 2019-20. Online registration for Ehsaas loans is available, with an average loan size of Rs. 30,000. In addition to the loans, the trust also provides business advisory services and facilitates connections with MFIs, MFBs, and Banks.

Ehsaas Interest Free Loan Program 2024 Apply Online

Ehsaas Interest Free Loan Program

Akhuwat interest free loan

Akhuwat, a non-profit organization based in Pakistan, is dedicated to uplifting the underprivileged by providing interest-free microloans. Since its establishment in 2001, Akhuwat has successfully disbursed over 5.4 million loans, totaling PKR 180 billion, benefiting more than 3 million families throughout Pakistan.

The primary objective of Akhuwat is to empower the impoverished and marginalized communities by offering financial assistance and social support. They firmly believe in providing equal opportunities for all individuals to thrive, and their interest-free loans serve as a crucial stepping stone for numerous families.

To cater to the diverse needs of their borrowers, Akhuwat offers a range of loan products. These include small business loans, which aid in initiating or expanding small-scale enterprises. Additionally, education loans are available to cover educational expenses for both children and adults. Housing loans are provided to facilitate the construction or improvement of homes, while emergency loans assist in managing unforeseen expenses, such as medical bills.

Akhuwat commitment to eradicating poverty and promoting sustainable development is evident through their extensive loan disbursements and the positive impact they have made on countless families across Pakistan.

5 lakh loan without interest in Pakistan

While it may be difficult to obtain a loan of 500,000 PKR without any interest in Pakistan, there are various avenues you can explore depending on your individual situation and requirements.

Akhuwat is a well-known organization that provides interest-free microloans for a range of purposes, including business ventures, education, housing, and emergencies. However, their typical loan amounts range from 5,000 to 50,000 PKR, and larger amounts may require strong justifications and a good repayment history with smaller loans. It is still worth approaching them to discuss your needs, as they may be able to offer guidance on alternative options if they are unable to directly fulfill your request.

5 lakh loan without interest in Pakistan

The Pakistani government has introduced several initiatives aimed at providing financial assistance to different segments of the population. For instance, the Kamyab Jawan Program offers loans of up to 500,000 PKR for individuals looking to start or expand their businesses, with subsidized interest rates for eligible youth. Similarly, the Prime Minister’s Youth Business Loan Scheme provides loans of up to 750,000 PKR for young entrepreneurs, also with subsidized interest rates. Additionally, the Ehsaas Kafalat Program offers financial assistance to low-income women through quarterly stipends that can be utilized for various purposes, although it is not a direct loan.

There are also numerous NGOs and charity organizations in Pakistan that extend financial support to individuals and families in need. Depending on your circumstances and their specific programs, some of these organizations may offer interest-free loans or grants. It is advisable to conduct research and reach out to relevant organizations that focus on areas such as women empowerment, poverty alleviation, or specific medical conditions.

پاکستان میں متعدد این جی اوز اور خیراتی ادارے بھی ہیں جو ضرورت مند افراد اور خاندانوں کی مالی مدد کرتے ہیں۔ آپ کے حالات اور ان کے مخصوص پروگراموں پر منحصر ہے، ان میں سے کچھ تنظیمیں بلا سود قرضے یا گرانٹ پیش کر سکتی ہیں۔ یہ مشورہ دیا جاتا ہے کہ تحقیق کریں اور متعلقہ اداروں تک پہنچیں جو خواتین کو بااختیار بنانے، غربت کے خاتمے، یا مخصوص طبی حالات جیسے شعبوں پر توجہ مرکوز کرتی ہیں۔

Furthermore, certain Islamic microfinance institutions in Pakistan operate in accordance with Sharia-compliant principles, providing financing options without conventional interest. Exploring options like micro-sukuk or Qarz-e-Hasana loans within these institutions may be beneficial, although it is important to thoroughly understand the terms and conditions associated with such offerings.

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The online loan application process at opens up opportunities for financial empowerment. Navigating the website is like embarking on a journey towards inclusivity, where aspirations and opportunities align. The user-friendly interface of the platform breaks down traditional barriers associated with loan applications, bringing accessibility and convenience to a new level. Applying for a loan online through is not just about filling out forms; it is about actively shaping one’s financial future.

This digital realm goes beyond facilitating loans; it harmonizes dreams with practical solutions, creating a symphony of financial possibilities. The website serves as a conduit for empowerment, embodying the values of progress and prosperity by connecting applicants to the transformative potential of financial support.


Ehsaas Interest Free Loan Program in Pakistan 2024 Eligibility Criteria

It can be quite challenging to predict the eligibility criteria for loans in 2024, as loan products and their specific requirements are subject to change and evolve over time. However, based on the current landscape and potential changes, here is a general overview of what you may come across:

General Eligibility:

Age: Most lenders typically require borrowers to be between 18 and 65 years old.
Nationality: Generally, Pakistani citizenship is a requirement.

Income: Having a stable income and sufficient repayment capacity are crucial factors.
Credit History: A good credit history can significantly enhance your chances of being eligible.

Collateral: Depending on the type of loan, some lenders may require collateral such as property or assets.

Interest-Free Loan Options:

Akhuwat: While their usual range is PKR 5,000-50,000, larger amounts may be possible for established borrowers with strong justifications.

Government Schemes: Programs like Kamyab Jawan and Prime Minister’s Youth Business Loan Scheme offer subsidized interest rates, making them effectively close to interest-free for eligible youth.

NGOs and Charities: Certain organizations may provide interest-free loans or grants based on specific criteria such as gender, poverty level, or disability.

Islamic Microfinance: Explore options like micro-sukuk or Qarz-e-Hasana loans, but be aware of the specific requirements and limitations.

Potential Changes in 2024:

Government policy updates: New initiatives or changes in existing programs could impact eligibility criteria and loan amounts.

Economic factors: Market trends and inflation might influence interest rates and lending requirements.

Technological advancements: Online applications and digital verification processes may become more prevalent.

Tips for Navigating the Process:

Thoroughly research: Compare different loan options and lenders to find the best fit for your needs.

Understand the terms: Carefully read loan agreements before signing, paying close attention to interest rates, fees, and repayment schedules.

Build your credit: Maintaining a good credit history is important in improving your eligibility for loans.

Read Also: Latest Update: BISP 8171 Result 2024

Ehsaas Interest Free Loan Program 2024 Online Apply 

The interest-free loan program is currently being implemented by 22 partner organizations (POs) of Pakistan Poverty Alleviation (PPAF) in rural areas, as well as Akhuwat branch offices in cities and towns through loan centers in 100 districts across the country. Detailed information regarding the districts, loan centers, names of implementing Partner Organizations (POs), and eligibility criteria for potential borrowers can be found at

To apply for a PPAF loan, please follow the application process outlined below:

1. Visit a loan center and make a request either in written or oral form.
2. Your Poverty Score Card will be verified for eligibility.
3. Register as a potential borrower.
4. Obtain the application form and business plan from the loan center.
5. Submit all required documents in their entirety.

Please ensure that you complete all steps of the application process accurately and provide all necessary documentation.


Preparation of Business Ehsaas Program Loan Scheme Apply Online:

  • Gather fundamental details regarding the commencement of the business venture.
  • Motivations behind establishing the business.
  • Production and sales objectives.
  • Approach for marketing the business.
  • Expenditures associated with the business operations.
  • Calculation of costs for the proposed business.
  • Available financial resources.
  • Projection of potential profits.

Ehsaas Program Loan Scheme

Ehsaas Interest Free Loan Program 2024 approval process

To approve the Ehsaas Interest Free Loan Program, the following procedures must be followed:

1. Verification conducted by the Ehsaas Registration Center.
2. Recommendation provided by the Ehsaas Registration Center.
3. Individual cases presented to the head office of the PO.

PPAF Loan Form Application Process

  • Loan center request (written or verbal).
  • Verification of poverty scorecard.
  • Enrollment as a prospective borrower.
  • Provision of application form and business plan.
  • Submission of all required documents by the applicant.

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