Ehsaas Interest Free Loan Program 2021

Government of Pakistan, Cabinet Secretariat, Poverty Alleviation and Social Division, Poverty Alleviation Fund (PPAF) has announced Ehsaas interest free loan program 2021 through Ehsas kafalat program.


Ehsaas Loan 75000 Online Registration


  • Interest free Ehsaas trust loans for income generating micro-enterprises
  • Funding through Federal & Provincial Governments
  • Allocation of Rs. 5 billion additional Funds for FY 2019-20 by Federal Government
  • Ehsaas Loan Program size upto Rs. 75,000 (Average Loan size; Rs. 30,0000)
  • 50% loans for women
  • Financial inclusion & mainstreaming of marginalized segments of society especially skilled youth, women, persons with special abilities, transgender people, BISP, Zakat & Baitul Mal beneficiaries
  • Business advisory services and linkages with MFIs, MFBs & Banks
  • Disbursement of Rs. 80,000 loans every month through 1110 loan centers of PPAF Partners, including Akhuwat Organizations (POs) across the country.

Features of Interest Free Loan Program

Interest Free Loan in Pakistan 2020 Eligibility Criteria


  • Age between 18 to 60 years
  • Individuals from households on Score of 0-40 on Poverty Score Card
  • Valid National Identity Card (CNIC)
  • Resident of targeted union council of the district
  • Economically viable business plan

Ehsaas Interest Free Loan Online Apply


The interest free loan programme is being implemented through 22 partner organizations (POs) of Pakistan Poverty Alleviation (PPAF) in rural areas and Akhuwat branch offices in cities & towns through loan centers in 100 districts across the country. The information for district, loan centers, names of implementing Partner Organizations (POs) and eligibility criteria for potential borrowers is provided at; www.ppaf.org.pk/NPGI.html


Read More: PM Covid-19 Ehsaas Emergency Cash 2020 Registration Last Date


PPAF Loan Form Application Process:

  • Request at loan center (written or oral)
  • Verification of Poverty Score Card
  • Registration as a potential borrower
  • Issuing of application form and business plan from
  • Submission of complete documents by the applicant

Preparation of Business Ehsaas Loan Plan:

  • Collect basic information about the business which is being initiated
  • Reasons for business
  • Targets of production and sale
  • Marketing Strategy
  • Business Expenses
  • Cost Estimation for the Proposed business
  • Financial Resources
  • Estimation of Profit

Beneficiary Appraisal Process of Ehsaas Loan Scheme:

  • Social Appraisal
  • Economic Appraisal

Approval Process for Ahsas Loan Program:

  • Review by Loan Center
  • Recommendation by Loan Center
  • Submission of recommended cases to PO head office

PM Interest Free Loan Program

Disbursement of Beneficiary For Interest Free Loan Scheme:

  • Approval of recommended cases
  • Issuance of order carrying names and CNIC of the borrowers or issuance of PIN number against electronic transfer that is verified by bank through original CNIC
  • Disbursement at Loan Center

Interest Free Loan Scheme in Pakistan 2020Interest Free Loan Scheme in Pakistan 2020 Ehsaas

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