Ehsaas Loan Program image

Ehsaas Loan Program Online Registration

Last updated on January 1st, 2025 at 10:47 am

Ehsaas Loan is one of the most revolutionary initiatives taken by the Government of Pakistan to help people from the lower strata of society, whether it is a student, a woman, or a member of some of the depressed classes. Therefore, the following are some details regarding eligibility, application, and other advantages to help a person apply for an Ehsaas Loan Program.

Overview of Ehsaas Loan Program

It was launched in March 2025 by the previous Prime Minister of Pakistan, which has since gained new momentum to help the lower class of Pakistan continue along the growth curve. It is the program through which an already pathetic economic condition of economic downtrodden would be eased by giving them financial aid for establishing small-scale businesses or furthering education without getting trapped by high-interest advances.

Major Features of the Ehsaas Loan Scheme

  • Interest-free loans are given to attract all who honestly need them.
  • Loan Amounts: Persons can get credits ranging from PKR 75,000 to PKR 500,000 under this scheme.
  • Repayment Period: A flexible period of three years is given to the people to pay back comfortably, and in installments.
  • Targeted Support: Targeted support shall be provided to low-income groups, women, specially-abled persons, and students

Ehsaas Loan Eligibility Criteria

In order to get eligibility for it, candidates will be eligible on the basis of specific qualification criteria. It will allow efficient registration in the case of understanding the specific criteria.

Specific Eligibility Criteria:

  • Income Cap: Candidates monthly income should be below PKR 40,000.
  • Age limit: Applicants age must fall in the range of 18 to 60 years.
  • Poverty Score: Score between 0 to 40 developed by the National Socio-Economic Registry (NSER).
  • Citizenship: A CNIC of a valid holder is required, which must be holder from Pakistan.

Specific Groups: 

  • Female with their economic empowerment.
  • Students who need of educational support..
  • He or she is seeking special abilities and transgender. 

Ehsaas Loan Program registration

The online form for the Ehsaas Loan Program is pretty easy and straightforward. But just in case you want all the details, step by step, here is exactly how to apply:

Ehsaas Loan 75000 Online Apply

  • Check Out the Official Website or Application: 
  • Access the Ehsaas Program Portal or download the official form from your mobile app store. 
  • Select “Apply Online”:
  • Navigate to the page and click on the online application link.
  • Fill the Ehsaas Loan Form Application: Enter the CNIC number with all other relevant information about yourself carefully.
  • Attach Important Documents: Collect and submit the relevant documents based on your request, including photocopy of CNIC, proof of income, educational history if applicable, amongst others.

Review your Application

  • Carefully read all the information given and all files attached before you submit for the sake of accuracy.
  • Submit Your Application:
  • You can submit it by simply clicking the “Submit” button. Shortly, you should receive a notification confirming the status of your application.

Verification of Application Status

After you have successfully submitted your registration form in the online apply, there are ways of verifying your application status.

Ehsaas Interest Free Loans
  • Checking through BISP Website
  • Open the official BISP Benazir Income Support Programme website.
  • Application Status Tracking section.
  • Input your CNIC number and your application reference number.
  • Click on the “Submit” button to view your application status.
  • Checking through BISP Mobile Application
  • Download the BISP mobile app from Google Play or the Apple Store.
  • Log in using your CNIC number and your registered mobile number.
  • Enter reference number of yours for knowing status.

Benefits of Ehsaas Loan Scheme

This scheme has a lot of benefits for citizens with financial assistance.

  • Financial Security of Women: The scheme has reserved 50% of its resources for women applicants so that they can initiate small businesses and create a financial source for themselves.
  • Beneficial Scheme for Minorities: The specially-abled people and transgender also receive special attention, so they do not lack behind and face inequality in the provision of financial assistance.
  • Educational Empowerment for Students: The funds provide higher education for students without debt liability through interest charges.
  • Economic Boost: It provides jobs with multitudinous small business startups, which in turn makes a vast difference at the local economies.

The Ehsaas loan scheme implementation

  • It has done through a network and collaboration with hundreds of thousands of partner organizations and banks all over Pakistan:
  • It highly contributes in managing their loan disbursals effectively and wide outreach.
  • Supports all financial transactions of loan disbursals.
  • Besides, some others like Khushhali Microfinance Bank, United Bank Limited, etc help in effective loan distribution within the country.
Ehsaas Loan Program image

Understanding the Repayment options of Ehsaas Loan

Repayment of it will be under flexible structures in this plan:

  • The loans are to be paid back in three years under an easy monthly installment.
  • There is no prepayment penalty, and the bank encourages borrowers to repay early as soon as they are able.

Partners of the Ehsaas Program

The government really wants to make this to reach high and maximum level in order to fulfill the needs of all Pakistanis. It has partnered with many organizations, such as Akhuwat, the Pakistan Poverty Alleviation Fund (PPAF), and many more.

We have list them down below:

The List of the Partners for the project:

  • SERVE (Sustainable Development, Education, Rural Infrastructure, Veterinary Care & Environment)
  • RCDP (Rural Community Development Program)
  • HANDS (Health & Nutrition Development Society)
  • G.B.T.I (Ghazi Barotha Taraqiati Idara)
  • P.R.S.P (Punjab Rural Support Program)
  • A.F (Akhuwat Foundation)
  • S.M.C (Sayya Microfinance Company)
  • C.E.I.P (CSC Empowerment & Inclusion Program)
  • P.ID.S (Participatory Integrated Development Society)
  • A.D.O (Awami Development Organization)
  • F.D.O (Farmers Development Organization)
  • N.R.S.P (National Rural Support Program)
  • M.F (Mojaz Foundation)
  • T.R.D.P (Thardeep Rural Development Program)
  • S.S.F (SAFCO Support Foundation)
  • E.P.S (Environmental Protection Society)
  • F.O.S.P (FFO Support Program)
  • S.R.S.O (Sindh Rural Support Program)

In Which Account Will You Obtain the Loan?

This Project has various payment systems to obtain their loan. You can make use of any one of the listed banking systems to get this easily..

  • UBL
  • MCB Bank
  • The Bank of Punjab
  • Habib Metropolitan Bank
  • SME Bank
  • First Women Bank
  • NBP
  • Khushhali Microfinance Bank
  • ZTBL
  • Faysal Bank

Conclusion

Ehsaas Loan Program is the great effort from the Government of Pakistan towards poverty and empowerment by issuing financial aid. It particularly offers interest-free loans catering to low-income citizens, female entrepreneurs, students, and other marginalized groups for soliciting their economic and social participation in Pakistan. For all those interested in this change-making program, eligibility criteria first need to be understood and then followed by the step-by-step process for registration either online or through centers spread across Pakistan. Continued support and opportunities from government institutions and collaborative partner organizations would see more persons achieve their aspirations as regards business ventures or education without the crippling indebtedness associated with conventional loans.

FAQs

For applicants who are resident Pakistani citizens, this holds an application. Age for such an application ranges between 18 to 60 years. They have to be holding a valid CNIC and earned a monthly income of less than PKR 40,000 for a household. Another requirement is that a poverty score of 0-40 must have been validated on the National Socio-Economic Registry. Other government  recipients are also not allowed to avail this facility.

You can apply online through the portal or its mobile application. For submitting your application, you have to fill in the application form and upload all of the demanded documents. In addition to this, you also apply manually by visiting an Ehsaas registration center.

Loans under the plan range from PKR 75,000 to 500,000 on an as-per-need and eligibility basis. These are up to PKR 75,000 may be available specifically for those who have applied for educational purposes.

They are repayable within a certain period. This  will be refunded within the course of three years. It is possible to make a refund of whatever amount to the bank by making a workable monthly installment without paying interest.

Yes, it has a dedicated  helpline for applicants who need assistance or inquiring anything about their applications. They can be reached at +92 (51) 8439450 – 79 or via e-mail at [email protected] 5.

Yes, students are eligible to apply for it if they wish to receive financial assistance in order to launch their own business or to pursue further education. It, therefore, targets students in terms of overcoming financial barriers as support to students is the aim of such a Ehsaas Loan Scheme.


Applicants need to provide:

  • Any additional documents relevant to their application
  • A valid CNIC
  • Proof of income
  • Educational records (if applying as a student)


You can track your application status by

  • Using the Ehsaas Loan Program mobile app to log in with your CNIC and registered mobile number.
  • Visiting the BISP official website and entering your CNIC and reference number.


The Ehsaas Loan Scheme partners with multiple financial institutions, including

First Women Bank, among others.

  • United Bank Limited (UBL)
  • Habib Metropolitan Bank
  • Khushhali Microfinance Bank
  • The Bank of Punjab
  • SME Bank

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