Province · Khyber Pakhtunkhwa
Khyber Pakhtunkhwa (KP) Government Schemes
KP schemes at a glance
Pick the scheme that matches your category first — youth entrepreneur, government employee, group applicant, or homeowner — then open its guide for eligibility and application steps.
KP Ehsaas Naujawan Programme
Interest-free youth business loans through the Bank of Khyber — the most-searched KP scheme on this site.
Who it’s for: First-time youth business loan applicants
Read the guideKP Government Loan Scheme
A comparison hub laying out KP’s loan options side by side, so you can match yourself to the right one before applying.
Who it’s for: Anyone unsure which KP loan option fits them
Compare the loansBank of Khyber Loan for Government Employees
The BOK loan route for salaried KP government staff. Proof of active government service is required.
Who it’s for: Serving KP government employees
Read the guideInsaf Rozgar Scheme
A Bank of Khyber-administered loan aimed at groups and companies rather than individual applicants.
Who it’s for: Groups and companies, not individuals
Read the guideEhsaas Apna Ghar Scheme
KP’s housing support scheme — check the guide for current eligibility, amounts, and how applications are handled.
Who it’s for: KP residents looking for housing support
Read the guideKP Sehat Card Plus — Rs 10 Lakh Free Treatment for Every KP Family
Every KP family gets up to Rs 10 lakh free inpatient treatment a year — no registration, your CNIC is the card. Check eligibility by SMS to 8500 or 9780.
Who it’s for: Every KP family — your CNIC is the card
Read the guideWhich scheme to check first
Individual, first-time youth entrepreneur? Start with the KP Ehsaas Naujawan Programme.
Serving government employee? Skip straight to the Bank of Khyber employee loan — Naujawan and Insaf Rozgar don’t cover salaried government staff.
Applying as a group or company? Look at the Insaf Rozgar Scheme.
Not sure of your category? Use the KP Government Loan Scheme comparison hub first.
Don’t confuse the names: the KP Ehsaas Naujawan Programme is a separate, province-run scheme. It is not the same as the federal Ehsaas Program, which is a different process entirely.
Each guide also covers what to do if your application stalls or gets rejected. Confirm current loan amounts and terms on the scheme’s own page or with the Bank of Khyber before applying, as these change between phases.
Frequently asked questions
Is the KP Ehsaas Naujawan Programme the same as the federal Ehsaas Program?
No. The KP Ehsaas Naujawan Programme is a separate, Khyber Pakhtunkhwa-specific loan administered through the Bank of Khyber. The federal Ehsaas Program operates nationally, and its functions have since moved under BISP. Use the KP-specific name when applying in KP to avoid confusion with the federal scheme.
Which KP loan scheme should a government employee apply for?
Serving KP government employees should apply through the Bank of Khyber’s government-employee loan scheme, not the Naujawan Programme or Insaf Rozgar, since both of those target private applicants. Proof of active government service is required. Confirm current eligibility directly with your BOK branch before applying.
What is the Insaf Rozgar Scheme, and who can apply?
The Insaf Rozgar Scheme is a Bank of Khyber-administered loan aimed at groups and companies, not individual applicants. It sits separately from the individual-focused Ehsaas Naujawan Programme. Group or company applicants in KP should confirm eligibility and loan tiers before applying.
How do I decide between KP’s different loan schemes?
Compare eligibility across all three before choosing, since each targets a different applicant type. Individual youth entrepreneurs fit Naujawan, groups and companies fit Insaf Rozgar, and serving government staff fit the BOK employee loan. Match your category first, then open that scheme’s own eligibility page.
What should I do if my KP loan application is rejected or delayed?
Each KP scheme handles complaints and delays through its own process, so check that specific scheme’s page for its complaint route and helpline. Keep your application receipt and CNIC copy on hand when following up with the Bank of Khyber branch that processed your case. Never rely on unofficial agents offering to “speed up” approval.
Are there fixed loan amounts or interest rates for KP’s schemes?
Loan limits and markup rates vary by scheme and are set by the Bank of Khyber, so this overview page doesn’t carry specific figures. Confirm the current amount and terms directly on each scheme’s own page or with BOK before applying, since these change between phases. Treat any figure you see elsewhere that isn’t sourced to BOK or the KP government with caution.