Ehsaas Loan Program 2025: Complete Guide for Pakistani Citizens

Breaking Financial Barriers with Interest-Free Support

In a nation where 65% of small businesses fail due to lack of capital, the Ehsaas Loan Program stands as a beacon of hope. Launched under the Ehsaas Poverty Alleviation Initiative, this program has disbursed Rs. 30 billion in interest-free loans since 2020. The 2025 edition brings expanded benefits and easier access for deserving Pakistanis.

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Key Features of Ehsaas Loan Program 2025

💰 Loan Range: Rs. 20,000 to Rs. 500,000
⏳ Repayment Period: Up to 3 years (flexible installments)
🚺 Women Priority: 50% quota for female entrepreneurs
🎓 Student Support: Special loans for educational expenses
🏙️ Nationwide Reach: 1,100 centers across 147 districts

2025 Update: New mobile app for loan tracking and repayment

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Who Can Apply in Ehsaas Loan Program? (2025 Eligibility Criteria)

✔ Pakistani citizens aged 18-60 years
✔ Monthly income below Rs. 40,000
✔ BISP beneficiaries (Poverty Score 0-40)
✔ Priority given to:

• Women entrepreneurs
• Persons with disabilities
• Transgender individuals
• Students from low-income families
• Startups in marginalized areas

Exclusions: Government employees, existing loan defaulters, and tax filers.

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3-Step Application Process in Ehsaas Loan Program

1. Check Eligibility

• SMS your CNIC to 8171
• OR visit PPAF Loan Portal

2. Submit Application

Three Convenient Methods:

1. Ehsaas Loan App (New 2025 feature)
2. Visit Nearest Center among 1,100 locations
3. Online Registration via PPAF Website

Required Documents:

• CNIC copy
• Recent utility bill
• Income certificate (for non-BISP applicants)

3. Receive Funds

• Approval within 15 working days
• Disbursement through:
  • Partner banks (NBP, Khushhali Bank)
  • Mobile wallets (JazzCash/EasyPaisa)

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Success Stories of Ehsaas Loan Program Across Pakistan

📍 Lahore: Ahmed expanded his auto workshop with Rs. 200,000 loan
📍 Quetta: Nazia launched a successful embroidery business
📍 Karachi: Student Usman paid tuition fees through education loan

These represent 4% of 750,000+ success stories created by this program.

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اردو میں اہم معلومات

احساس بلا سود قرضہ پروگرام کی خصوصیات

درخواست کا طریقہ

ضروری دستاویزات

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2025 Program Enhancements

🆕 Higher Loan Limits: Up to Rs. 500,000 for established businesses
🆕 Faster Processing: 10-day approval for special cases
🆕 Digital Tracking: Real-time application status via SMS
🆕 Vocational Training: Free business courses for recipients

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Partner Organizations & Banks

The program collaborates with 22 leading institutions including:

🏦 Pakistan Poverty Alleviation Fund (PPAF)
🏦 Akhuwat Foundation
🏦 National Bank of Pakistan
🏦 Khushhali Microfinance Bank

Complete list available on PPAF website

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Avoiding Scams – Official Information Only

⚠️ Never pay for application assistance
⚠️ Only use government-approved channels
⚠️ Official helpline: 051-8439450

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Your Next Steps

1. Verify eligibility today via 8171
2. Prepare documents for quick processing
3. Apply before December 31, 2025 deadline

For assistance:
📞 Helpline: 051-8439450
📧 Email: info@ppaf.org.pk
🌐 Portal: https://ppaf.org.pk

For more updates on government schemes, stay tuned to our website! ehsaas program register