Ehsaas Loan Program Online Registration 2024 | Interest Free Loan in Pakistan

If you belong to a middle-class or lower-middle-class family, starting a business or studying higher would be very difficult due to limited resources. In such situations, you always turn towards taking a loan, but that comes with a high-interest rate, which is prohibited in Islam.

To solve this issue, the Ehsaas loan program 2024 was launched. The prime minister of Pakistan, Shahbaz Sharif, has launched this program to help all needy people by giving them interest-free loans. The loan amount can vary, but it usually ranges from 75000 to up to 5 lakhs if you meet the eligibility criteria. So, what’s the process for Ehsaas loan program 2024 online registration لا سود قرض پروگرام? I’ve explained that in this step-by-step article, including the criteria you must meet. Keep reading till the end.

ehsaas loan program

Ehsaas Loan Program/ بلا سود قرض پروگرام

Millions of people in Pakistan are thinking of starting a business, buying a home or a shop, and also students who want to study higher. But, due to needing more money, they cannot go ahead with these purposes. Most of them want to take a loan, but the loan comes with a lot of interest, which they can’t afford.

By the way for students, government also introduced another program to support their studies is ehsaas scholarship program. In this program government of Pakistan offers scholarships to undergraduate students who can’t afford their higher education. This scholarship let them to continue their studies.

This was the biggest problem that the Ehsaas  program solved by launching the Ehsaas loan program. As you can guess by the name, the Ehsaas loan program is a scheme that gives all deserving people loans. If you want to start a business, get your daughter married, buy a house, or need money for whatever purpose, you can take a loan from the program. 

However, there is a specific criteria for the program that you must meet to qualify for it. It’s crucial to mention here that the Ehsaas loan program was launched back in 2020 by Imran Khan. Now Shahbaz Sharif has taken responsibility and restarted it for the people.

How much money does the Ehsaas Loan Program Give?

The loan you get from the Ehsaas loan program ranges from 75,000 to PKR 5,00000 without the interest charge. You can get the loan if your income is below 40,000 PKR per month or you’re transgender, disabled, or have any medical issues.  Let’s talk about the criteria of this program.

Ehsaas Interest-Free Loan Program New Update

A new update came into the Ehsaas loan program. Now, you’ll get the Loan from ehsaas within 45 days. Although the Loan is interest-free, if you take over 5 lakh rupees, you’ll be charged 5% interest. The interest will increase with the amount you take, which is more than 5 lakhs. So, keep that in mind if you’re considering borrowing a big amount.

Ehsaas Loan Program Features

To help you understand the Ehsaas loan program better, I’m going to give you some additional information about it.

  • Both federal and state funding support the Ehsaas loan program so that poor people can be helped. 
  • The loan is for all those people with a poverty level below 40 to help them make their lives a little easier. 
  • The program has reserved 50% of the loans for women, and the remaining 50% is for all eligible men. This is to ensure that both genders are getting equal rights. 
  • People belonging to low-income families, like candidates, transgender people, women, or people with disabilities, are prioritised for the loan. 
  • There are 1,100 credit centres spread across Pakistan, which are disbursing a significant number of 80,000 loans per month, ensuring that many individuals can benefit from this program, as it provides loans to many people.

Ehsaas Loan Program Eligibility Criteria

For people looking to register for the Ehsaas Loan program, they must meet this eligibility criterion. 

  • Individuals with an income below 4000 rupees
  • Specially-abled individuals
  • Transgender individuals
  • Deserving students
  • Startups
  • Pakistani citizens aged 18-60 holding a valid CNIC
  • Those with a Poverty Score ranging from 0 to 40

How to check Ehsaas Loan Program Eligibility Criteria?

If you’re not sure if you meet the Ehsaas loan program’s eligibility criteria, then take the following steps to check your eligibility. 

  • Visit the official Ehsaas Program Portal.
  • There you’ll see a text field asking you for your CNIC number. Put your CNIC number into that correctly. 
  • You’ll get a security code displayed in the image that you’ll have to fill in to verify your identity.  Must do that.
  • Click on the ‘Know’ button to proceed and access information about your eligibility status, as well as details regarding instalment plans.

After meeting the criteria, you must consider the Ehsaas Loan Program 2024 online registration process.  The next section teaches you just that. Keep reading.

Ehsaas Loan Program 2024 Online Registration

The process of Ehsaas loan program registration is too easy. You first have to ensure that you meet the eligibility criteria. Then, you just have to follow the steps below to register for the program online. 

  • When you’re ready to apply for a loan through the Ehsaas Loan Program, make sure you have the necessary documents on hand, such as a copy of your CNIC, bank account details (optional), educational documents (if applying for an education loan), and a business plan (if applying for a business loan).
  • On the official BISP website, click “Ehsaas Loan Program” and select “New Applicant.” You can choose either a business or an education loan. Enter your CNIC number and click “Search.”
  • Next, you’ll need to fill out the online application form carefully and upload the required documents. Make sure all the information you provide is accurate. After reviewing your application, submit it and wait for BISP to process it. They may contact you for further information or verification.
  • Once your application is approved, the loan amount will be transferred directly to your bank account or Ehsaas Kafalat center.

This is how easy it is to register yourself for the Ehsaas Loan Program 2024 online registration.

Ehsaas loan Program Status Checks

When you’ve submitted your application to the program, wait a few days until you get a message back. If you’ve waited too many days but have yet to receive a response from the program, you need to check your application status. By checking your application status, you’ll know whether it’s in progress or has been rejected. You can check the status by following the steps below.

Via BISP Website

  • First, visit the official website of BISP.
  • Look for the “Ehsaas Loan Program” link and click on it.
  • From there, select “Track Application Status.”
  • Enter your CNIC number and application reference number in the designated fields.
  • Finally, click “Login” to view your application status.

Via BISP Mobile App

Alternatively, you can use the BISP mobile app by following these steps:

  • Download the BISP mobile app from Google Play or the App Store.
  • Sign up or log in using your CNIC number and registered mobile number.
  • Once you’re in, navigate to the “Ehsaas Loan Program” section within the app.
  • Finally, enter your application reference number to view your status.

Partners of Ehsaas Loan Program

The government wants to take the Ehsaas loan program to as high a level as possible to fulfil the needs of every Pakistani. It has partnered with many organisations, including Akhuwat, the Pakistan Poverty Alleviation Fund (PPAF), and many more. I’m listing them down below.

List of the Ehsaas Loan Program Partners

  • SERVE (Sustainable Development, Education, Rural Infrastructure, Veterinary Care & Environment)
  • RCDP (Rural Community Development Program)
  • HANDS (Health & Nutrition Development Society)
  • GBTI (Ghazi Barotha Taraqiati Idara)
  • PRSP (Punjab Rural Support Program)
  • AF (Akhuwat Foundation)
  • SMC (Sayya Microfinance Company)
  • CEIP (CSC Empowerment & Inclusion Program)
  • PIDS (Participatory Integrated Development Society)
  • ADO (Awami Development Organization)
  • FDO (Farmers Development Organization)
  • NRSP (National Rural Support Program)
  • MF (Mojaz Foundation)
  • TRDP (Thardeep Rural Development Program)
  • SSF (SAFCO Support Foundation)
  • EPS (Environmental Protection Society)
  • FOSP (FFO Support Program)
  • SRSO (Sindh Rural Support Program)
  • OPRCTP (Organization for Poverty Reduction & Community Training Program)
  • BRDS (Balochistan Rural Development Society)
  • IDEA (Initiative for Development & Empowerment Axis)
  • CERD (Center of Excellence for Rural Development)
  • AGAHE Pakistan
  • KK (Khwendo Kor)

In What Account Can You Get Your Loan?

When it comes to getting a loan from the Ehsaas program, they have many payment systems available.  You can use any of the below-listed baking systems to receive the loan. 

  • United Bank Limited (UBL)
  • MCB Bank Limited
  • The Bank of Punjab
  • Habib Metropolitan Bank
  • SME Bank Limited
  • First Women Bank Limited
  • National Bank of Pakistan (NBP)
  • Khushhali Microfinance Bank
  • Zarai Taraqiati Bank Limited (ZTBL)
  • Faysal Bank Limited


The Ehsaas Loan program is life-changing for people considering starting their own business, marrying, buying a house, renting one, or studying higher.   The government of Pakistan has solved one of the biggest problems that Pakistanis are having these days with the Ehsaas loan program. 

You can take a loan from this program if you meet its criteria. Check your eligibility and then Follow the above-given process for Ehsaas Loan Program 2024 online registration.

If you’re regularly applying for loan but not getting and urgently need of money then you can also apply for an alternate program which is ehsaas emergency cash program. It gives money in any emergency case by the government of Pakistan.

Frequently Asked Questions

The funds are typically dispersed through designated loan centres or banking institutions upon approval.

Pakistani citizens between 18 and 60 years old with a valid CNIC can apply for the Ehsaas Loan. 

The loan amounts offered under the Ehsaas Loan Program can range from Rs 10,000 to Rs 500,000 depending on your individual needs and repayment capacity.


  1. Asifshehzad says:

    meri taleem mukmal hoi hai abhi mai busnies kartha hoi paso kai zarort hai

  2. Abdul wali says:

    How can I take loan from ehsas programme plz any one can tell me plz

  3. Kashif Tariq says:

    I’m in Dubai can I aoply for loan

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