Ehsaas Qarz-e-Hasna Program New Updates 2024-Apply Online 

Ehsaas Qarz-e-Hasna Program

Ehsaas program is a pivotal initiative for poverty alleviation in Pakistan and a step forward to a welfare state under the leadership of former PM Imran Khan. The Ehsaas program started in 2019 under the Pakistan Tehreek-e-Insaf government, which aims to uplift deprived communities, reduce inequality in society, invest in mass development, and help lagging districts of Pakistan. Ehsaas Qarz-e-Hasna program is one of the notable schemes of the Ehsaas Program. 

Here is everything you need to know about ehsaas loan without interest.

ehsaas qarz e hasna program

Ehsaas Without Interest 5 Lakh Loan Program Registration 2023(احساس بلاسود قرضے)

The Ehsaas Program, launched by the Government of Pakistan, provides financial support to low-income families and individuals. One of its significant initiatives is the interest-free loan program, where eligible applicants can receive loans up to 5 lakh PKR to help start or expand their businesses. Here’s a step-by-step guide on how to register for the Ehsaas Without Interest 5 Lakh Loan Program in 2023.

How to Get loan from Ehsaas Program

1. Ehsaas Qarz-e-Hasna Program Eligibility Criteria 

Before applying, ensure you meet the eligibility criteria:

  • Age: Applicants should be between 18 and 60 years old.
  • Income: The program targets low-income individuals and families.
  • Business Plan: A viable business plan or proposal is required.
  • In addition, the applicant must be able to return the amount over the monthly installments. 
  • Applicants should not be involved in any illegal activities.

Also read: Bisp app download

2. Gather Required Documents for Ehsaas Qarz-e- Hasna Program

Prepare the necessary documents for your application:

  • CNIC (Computerized National Identity Card)
  • Proof of residence
  • Income details
  • Business plan or proposal
  • Bank account details

3. Locate an Ehsaas Interest-Free Loan Center

Identify the nearest Ehsaas Interest-Free Loan Center. These centers are run in collaboration with the Pakistan Poverty Alleviation Fund (PPAF) and partner organizations.

  • Official Website:

4. Visit the Loan Center of Ehsaas Programm

Go to the nearest loan center with your documents. The staff there will guide you through the application process.

5. Submit Your Application for Ehsaas Qarz-e-Hasna Program

Fill out the application form provided at the center. Ensure all information is accurate and complete. Attach all required documents to your application.

6. Attend an Interview at Ehsaas Center

You may be required to attend an interview where you will discuss your business plan and financial needs. Be prepared to explain how the loan will help you start or expand your business and how you plan to repay it.

7. Loan Approval Process

Your application will undergo a review process. The authorities will assess your eligibility, business plan, and financial needs. This process may take some time, so be patient.

8. Receive the Loan

If your application is approved, the loan amount will be disbursed to your bank account. The loan is typically given in installments to ensure proper utilization of funds.

9. Utilize the Loan

Use the loan amount strictly for the purpose outlined in your business plan. Maintain proper records of your expenses.

10. Repay the Loan to Ehsaas Program

Repay the loan as per the agreed schedule. The Ehsaas Program offers interest-free loans, so you only need to repay the principal amount. Ensure timely repayments to avoid complications and maintain eligibility for future financial assistance.

Objectives of the Ehsaas Qarz-e-Hasna Program

The ambition of establishing the Ehsaas Qarz-e-Hasna program is to bring 65% of the youth population of Pakistan to the country’s monetary growth by providing them with interest-free loans. This program continues to empower low-income families by providing them with financial support that helps them start and grow their businesses.  The most useful part of this program is that it accepts your applications online and makes the entire process, registrations, and check eligibility convenient.  

The government established a digital mechanism for efficient, transparent, quick, accessible, and efficient procedures to track and check your application status online. Additionally, it provides economic literacy services that help borrowers manage and establish their businesses successfully. It strives to organize microfinance for deserving people. Empowering the low-income families of society shows that this program is transforming lives through its potential to fight against poverty in Pakistan.

Ehsaas Qarz-e-Hasna Program Registration

The ministries launched online and in-person registration facilities for the applicants. You can visit the nearest registration office and obtain a registration form to fill out carefully as per instructions.

Additionally, you can apply online, check eligibility, fill out the form, and submit it in the designated area. After submission, your documents will be verified, and you will get a loan from 20,000 to 100,000. 

Ehsaas Qarz-e-Hasna Program Key Features

Ehsaas is a multifaceted and comprehensive social and welfare program that started in 2019 with 115 policies under four pillars. This program aims to disburse 80,000 each month among youth and women, enabling them to venture into their businesses and extricate their families from the poverty trap. Here are some key features of the Ehsaas Qarz-e-Hasna program.

Interest Free Loan

The Ehsaas Qarz-e-Hasna program’s objective is to provide loans on interest-free principles, unlike traditional loans with interest. In 2024, the government is determined to provide “bila Sood qarz” to 1 million deserving individuals. It aims to achieve the goal of providing interest-free loans to  2.5 million needy people.

Assisting in Numerous Needs

This program’s versatility is notable in various welfare schemes, whether it is assisting budding entrepreneurs, empowering vulnerable women, helping needy students get entry into higher education, or providing aid at the emergency level. Moreover, the Qarz-e-Hasna program has a broad spectrum of attributes, including Ehsaas Amdan and the Ehsaas Undergraduate scholarship. 

Ehsaas Amdan احساس آمدن

The Ehsaas Amdan program aims to empower women and enable them to run their small businesses. It creates opportunities for vulnerable and needy segments of society by providing them with small assets, including livestock and agricultural tools, and helping them start small businesses. 

Ehsaas Undergraduate Scholarship Program 2024

Over the past 14 years, HES has supported 30,000 students with scholarships, and nearly 50,000 students from underprivileged families receive scholarships every month. If you meet the eligibility criteria, you can register for this program; the criteria are that your monthly family income should be less than 45,000.

Impact and Succes Stories

Qarz-e-Hasna scheme is transforming lives through its organized and transparent mechanism. Here are some of the successful stories of Qarz-e-Hasna 2024.

  • The powerful impact of Ehsaas Qarz-e-Hasna increased when we listened to the success story of Karachi’s Fatime establishing her own small business, presenting two different women. 
  • Meet Ahmad, a young, dynamic man from a rural area who started a beekeeping business and expanded it to a successful honey business, creating job opportunities for his rural community. 
  • Let’s not forget Fatima, who couldn’t go to college because of her family’s poor economic condition; she’s thankful for being able to continue her studies further.

قرض حسنہ پروگرام کے اثرات  اور کامیابی

قرض  حسنہ پروگرام اپنے منظم اور شفاف طریقہ کار کے ذریعے لوگوں کی  زندگیوں کو بدل رہی ہے۔ قرض  حسنہ 2024 کی کچھ کامیاب کہانیاں یہ ہیں۔

احساس قرض حسنہ کے  طاقتور اثرات  اس وقت بڑھ گئے جب ہم نے کراچی کی فاطمہ کی کامیاب کہانی سنی جس  نے قرض حسنہ سکیم سے اپنا (چھوٹا کاروبار) سلائی کا کام شروع کیا اوراب دوخواتین کو بھی ملازمت فراہم کی ہی ہے اور اپنے گھر کا خرچہ پورا کر رہی ہے۔ 

دیہی علاقے کا  ایک پوجوش نوجوان احمد سے ملئے  جس نے شہد کی مکھیاں پالنے کا کاروبار شروع کیا اور اسے شہد کے ایک کامیاب کاروبار تک پھیلایا، جس سے اپنی دیہی برادری کے لیے روزگار کے مواقع پیدا ہوئے۔ 

آئیے فاطمہ کو نہیں بھولیں، جو اپنے خاندان کی خراب معاشی حالت کی وجہ سے کالج نہیں جا سکی تھی وہ اپنی تعلیم کو مزید جاری رکھنے کے قابل ہونے احساس قرض حسنہ پروگرام کی  شکر گزار ہے۔


Different from the successful launch, the Ehsaas Qarz-e-Hasna program is confronting several challenges. 

Complexities of Microfinance: Steering the complexities of microfinance business in a populated country in Pakistan needed regular adaptation.  

Ensuring Transparency: The primary areas to be targeted are transparency in loan distribution and efficiency in timely repayments.

Building Trust: In Pakistan, financial literacy rates are limited, which is why it is important to build trust among the communities. Eliminating social stigmas connected to loan-taking is the main objective to overcome these stigmas.

Limited Awareness: In remote areas, people are not aware of this program, and this is an important challenge for spreading information and Awareness.

Documentation: Complicated documentation strategies limit access to deserving individuals.  

Simplify application process: collaborate with NGOs, government, and community leaders to provide information and Awareness about this program and simplify application procedures that will allow more deserving people to benefit.


کامیاب آغاز کے برعکس، احساس قرض حسنہ پروگرام کئی چیلنجوں کا سامنا کر رہا ہے جن میں شامل ہیں۔ 

مائیکرو فنانس کی پیچیدگیاں: پاکستان ایک آبادی والا ملک ہے جس  میں مائیکرو فنانس کاروبار کی پیچیدگیوں کو چلانے کے لیے باقاعدہ موافقت کی ضرورت ہے۔  

شفافیت کو یقینی بنانا: قرضوں کی تقسیم میں شفافیت اور بروقت ادائیگیوں میں کارکردگی وہ بنیادی شعبے ہیں جن کو ہدف بنایا جانا ضروری ہے۔

اعتماد کی تعمیر: پاکستان میں مالی خواندگی کی شرح محدود ہے جس کی وجہ سے کمیونٹیز کے درمیان اعتماد پیدا کرنا ضروری ہے اور قرض لینے سے جڑے سماجی بدنامیوں کو دور کرنا بنیادی مقصد ہے۔

محدود آگاہی: دور دراز علاقوں میں لوگ اس پروگرام سے واقف نہیں ہیں، اور یہ معلومات اور بیداری پھیلانے کے لیے ایک اہم چیلنج ہے۔

پیچیدہ دستاویزت : پیچیدہ دستاویزات کی حکمت عملی مستحق افراد تک رسائی کو محدود کرتی ہے۔  

درخواست کے عمل کو آسان بنائیں: اس پروگرام کے بارے میں معلومات اور بیداری فراہم کرنے کے لیے این جی اوز، حکومت اور کمیونٹی لیڈروں کے ساتھ تعاون کریں اور درخواست کے طریقہ کار کو آسان بنائیں جس سے زیادہ مستحق افراد مستفید ہو سکیں۔

Terms and Conditions for Qarz-e-Hasna Program

We mentioned earlier that the applicant is over 18 and under 62, has an updated Computerized National Identity Card (CNIC), and is not involved in any illegal activities. The further terms and conditions for Qarz-e-Hasna are as follows.

Eligibility Criteria: the applicant should be a Pakistani citizen, have financial conditions below the poverty line determined by the government,

Loan Amount: After qualifying, you can get an interest-free 100,000 amount.

Repayment: The borrower is bound to repay the amount within a year after three months of getting the loan.

Default: The government reserves the right to take legal action against the borrower if he does not repay the amount on time.

Financial Literacy: Borrowers should attend the financial literacy workshops organized by the officials. In these sessions, they will learn about financial management, entrepreneurship, and budget management.

Misuse of funds: The Borrower ensures that the funds will be used to expand or start a business. If the government authorities find the borrower misusing funds, then the government has the right to take strict legal action.

Valid Documentation: To take a loan, an individual must provide all required documents and related information. 


Yes, you can get an interest-free loan after qualifying for the eligibility criteria and accepting the terms and conditions of the Qarz-e-Hasna scheme. 

You can apply for the Qarz-e-Hasna program by visiting the Ehsaas loan center, where borrowers can get a form and fill out all the required information. After approval of the application, you can get a loan from 25000 to 250000. 

Beneficiaries can acquire.

  • Training sessions organized by the government.
  • You may help programs that promote and sell products and ensure that everyone can benefit from the financial services.
  • You can contribute to community-driven projects.

You may face these restrictions or difficulties if you do not repay the loan on time.

  • Penalty.
  • Legal proceedings.
  • Ineligibility in the future loan.


In essence, Ehsaas Qarz-e-Hasna is versatile in its empowerment and a testimony to strength and solidarity. Extending its support to deserving individuals not only bridges the economic divide but also promotes self-reliance and better lifestyles. With the help of this program, young people are getting more opportunities to recognize their talents and participate in Pakistan’s economic growth.

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