Ehsaas Prime Minister Qarz-E-Hasna Scheme

Ehsaas Qarz-e-Hasna

Our country is a developing State and contains 65% youth population. Youth of any state/ Nation is very important for economic development. Unfortunately, there are not enough opportunities in our country, especially for young people. The federal government has started Ehsaas Qarza e Hasna Program to reduce Unemployment. Anyone who wants to Avail of this facility can request Qarz hasana loan Under the Umbrella of qarz e hasna for business.

The government of Pakistan launched this initiative under the Qarza scheme in March 2019. The main aim of this scheme is to build microfinance for needy people. This initiative aims to empower the poor and vulnerable segment of society by providing financial assistance to needy people.

The Ehsaas Qarz-e-Hasna program is an online loan in Pakistan to provide financial assistance to low-income households across the country. The program aims to empower these households to start or expand their businesses, increase their income, and improve their standard of living. One of the main advantages of this program is that the loan application process is entirely online, making it easy for eligible applicants to apply from the comfort of their homes.

The application process is quick, transparent, and efficient, and it allows the applicants to track the status of their applications easily. Moreover, the program includes a financial literacy component, which helps borrowers manage their finances and run their businesses successfully. The Ehsaas Qarz-e-Hasna program is a vital initiative in the fight against poverty in Pakistan, and it has the potential to positively impact the lives of millions of low-income households in the country.

Ehsaas Qarza e Hasna Form

The Administration has launched this plan to attain Financial sustainability. There is no need for any online form to apply. You need to visit your nearest Ehsaas Kafalat program registration desk. All the requirements documents will be checked, and the application form for the PM youth loan scheme in pakistan will be filled out.

Ehsaas trust Qarza -e- Hasna scheme Selection Procedure

It is an interest-free loan scheme in which you must follow the following four steps to complete the procedure.

1st Step:

Ehsaas Qarza Hasna Eligibility check

To be eligible for Qarza hasna scheme, your Poverty score should be up to 40. unemployed; daily wagers and low-income families are given Preference.

2nd Step:

Application Submission

After confirming eligibility, the Second Step is to fill out the application form and submit the Form along with relevant documents such as CNIC.

3rd Step:

Verification process

After submission of the application form for the PM loan scheme, your document and Form are verified by the team. after scrutiny of the document, loan approval is given.

4th Step:

Loan Approval

After verification, the application Is notified, and the loan amount is given. You can take a loan of RS 100,000 under this scheme.

Qarza e hasna online Apply

Qarza e hasna Apply online 2023 is a simple procedure. You don’t need to apply online; visit your nearest qarza Loan Center and fill out the form and attach required documents, and your application will proceed in 2- 4 weeks. To find your nearest Laon Center, click the link “” 50% of ehsaas karza is reserved for women.

Qarza e Hasna scheme in Pakistan eligibility criteria

  • The poverty score should be up to 40
  • Vulnerable rural and poor Urban people are eligible
  • The age limit is between 18-62
  • The application must have valid cnic

To get Loan in pakistan without interest the Applicant should not be involved in any illegal activities; borrower of loan scheme can return the amount on a monthly basis in small amount installment.

Qarza e hasna For Business in Pakistan

After receiving your loan amount, you can start your own business. You can fulfill your home expenses; the budget of this initiative is 17.7 billion rupees for Phase 2 in 2019-2023. This initiative was started in Balochistan, where Rs 10000-25000 was given to deserving families affected by covid-19 pandemic. But now, this game is expanded in all districts of Pakistan.

Ehsaas trust Qarza e-Hasna scheme partner universities

Ihsan trust is an organization just like qarza e hasna by akhuwat. It provides interest-free loans without any backup security to the deserving student to complete studies; these collateral Free student loan in pakistan are provided by concerned universities of students.

Terms & Conditions Qarz e Hasna Scheme

  1. Eligibility Criteria: To be eligible for the loan, the applicant must be a Pakistani citizen, have a valid CNIC, have a monthly income below the poverty line, and not be a defaulter of any financial institution.
  2. Loan Amount: The loan amount can be up to PKR 100,000, and it is interest-free.
  3. Repayment: The loan must be repaid in installments within one year, starting three months after the disbursement of the loan.
  4. Default: If the borrower fails to repay the loan on time, the government reserves the right to take legal action against the borrower.
  5. Financial Literacy: The borrower must attend financial literacy sessions organized by the government to learn about financial management, budgeting, and entrepreneurship.
  6. Misuse of Funds: The loan must be used for the intended purpose only, such as starting or expanding a business. If the funds are misused, the government may take legal action against the borrower.
  7. Documentation: The borrower must provide accurate and complete information and documentation to apply for the loan.

FAQ  (Frequently Asked Questions)

Visit your nearest ehsaas Loan Center and submit your application form. You will be notified to receive the loan after approval.

You can apply for the p.m. long scheme 2023 by filling out the form at Laon Center. You can receive a 25,000 – 250000 rupees loan for your own business.

Check if you meet the eligibility criteria, which include being a Pakistani citizen, having a valid CNIC, having a monthly income below the poverty line, and not being a defaulter of any financial institution.

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