Interest Free Loan Scheme in Pakistan 2020 Ehsaas

Government of Pakistan, Cabinet Secretariat, Poverty Alleviation and Social Division, Poverty Alleviation Fund (PPAF) has announced Ehsaas interest free loan scheme in Pakistan 2020 through Ehsaas kafalat program.


Features of Interest Free Loan Program


  • Interest free 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
  • Loan 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

Eligibility Criteria of Borrowers


  • 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

How To 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


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 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:

  • Social Appraisal
  • Economic Appraisal

Approval Process for Loan:

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

PM Interest Free Loan Program

Disbursement of Beneficiary:

  • 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

Ehsaas Program 2021Updated List


Ehsaas Bahimat Buzurg Program 2021

Ehsaas Sarprast Programme For Widows Women 2021

Ehsaas Undergraduate Scholarship 2021

Ehsaas Nashonuma Program 2021

Ehsaas Langar & Panagah 2021

Ehsaas Trust 2021 Contact Details

Interest Free Loan Scheme 2021

Ehsaas Chota Karobar 2021

Ehsaas Rashan Portal 2021

Ehsaas Emergency Cash Program 2021

Ehsaas Ration Donation Programme 2021

Ehsaas Amdan Program 2021

Ehsaas Kafalat Program 2021

  1 comment for “Interest Free Loan Scheme in Pakistan 2020 Ehsaas

Leave a Reply

Your email address will not be published. Required fields are marked *