KP Government Loan Scheme 2026: Overview

Khyber Pakhtunkhwa’s government schemes include three separate loan options for residents, and each one fits a different situation. Ehsaas Naujawan Programme (KP) gives groups of three to five people up to Rs. 5 million to launch a larger business, according to bok.com.pk. Insaf Rozgar Scheme offers smaller individual loans, but only to residents of KP’s Newly Merged Districts and FR regions. Bank of Khyber’s Salary Sahara product gives salaried government employees a personal loan of up to Rs. 2 million against their monthly pay. This guide compares all three side by side, so you can pick the one that actually fits your situation.

Three Applicant Situations, Matched to the Right Scheme

The comparison table above is easier to use with real situations in mind. Situation one: three partners want to open a trading business in Peshawar and need Rs. 3 million. They fit Ehsaas Naujawan Programme — a registered partnership of 3 to 5 people can borrow Rs. 1 million to Rs. 5 million interest-free, repayable over up to 8 years with a grace period of up to 20 months, and the group shares responsibility for repayment. Situation two: a skilled technician living in a Newly Merged District needs Rs. 800,000 to set up her own workshop, applying alone. She fits the Insaf Rozgar Scheme — professionally educated or skilled applicants can get up to Rs. 1 million, while general or informal applicants are capped around Rs. 300,000, over a 3-year tenor that includes a 3-month grace period for new enterprises; she will need two personal guarantors, one a government employee of BPS 07 or above, and she must not herself be a government employee. Situation three: a government schoolteacher needs Rs. 1.2 million for a personal expense, not a business. She fits the Bank of Khyber Loan Scheme for government employees (BOK Salary Sahara) — up to 15 times net take-home salary, capped at Rs. 2 million, over up to 4 years — provided her net salary supports the amount and at least one salary is routed through a BOK account. Notice that in all three situations the deciding factors are the same: where you live, whether you apply alone or as a group, and whether the money is for a business or for personal use.

Before You Visit the Branch: A Quick Self-Check

Five minutes of checking against the three schemes’ basic conditions can save you a wasted trip. Ask yourself, in order: Where do I live? Insaf Rozgar is restricted to the Newly Merged Districts and FR regions, while Ehsaas Naujawan covers all KP districts. Am I applying alone or with partners? Ehsaas Naujawan’s main track requires a registered firm or partnership of 3 to 5 people; Insaf Rozgar is for individuals; Salary Sahara is for a single salaried employee. Do I have a government job? Salary Sahara requires at least a year of service with a government, semi-government, or autonomous body and an age between 22 and 59 — while Insaf Rozgar applicants must not already be government employees themselves. Can I meet the guarantee structure? Insaf Rozgar needs two personal guarantors with one at BPS 07 or above; Ehsaas Naujawan partners are jointly responsible instead. Is the amount I need inside the scheme’s range? Roughly Rs. 1 million or less points to Insaf Rozgar, Rs. 1 to 5 million for a group points to Ehsaas Naujawan, and a personal need tied to your salary points to Salary Sahara. If your answers point in two directions at once, take both questions to your nearest BOK branch — the branch can confirm which eligibility you actually meet before you file anything.

Repayment Timelines at a Glance

Because all three schemes come from the same bank, applicants often assume their repayment clocks work the same way — they do not. Ehsaas Naujawan gives the longest runway: up to 8 years in total, with a grace period of up to 20 months before repayments start, and funds are disbursed in tranches as formalities are completed rather than in one payment. That structure suits a group business that needs time to become profitable before installments begin. Insaf Rozgar runs much shorter: a 3-year tenor for new enterprises, including a 3-month grace period, which suits a smaller individual loan that starts generating income quickly. Salary Sahara allows a maximum of 4 years through fixed monthly installments, and since it is a standard Islamic financing product rather than an interest-free subsidy, a normal profit rate applies on top of the principal — the only one of the three where the amount you repay is more than the amount you borrowed. When you compare offers, compare the full picture: a longer tenor lowers each installment but keeps you in debt longer, while a grace period only helps if your business genuinely starts earning within it. One more difference is easy to miss: the two interest-free schemes are government initiatives run through the bank, while Salary Sahara is a regular Bank of Khyber financing product — which is why its approval turns on your salary and service record rather than on district coverage, group size, or a business plan.