Ehsaas Bila Sood Qarza: Interest-Free Loans Empowering Needy Families in Pakistan

In Pakistan, where the cost of living is high, it can be challenging for many individuals to access financial resources to meet their basic needs. Interest-free loans have become an increasingly popular option in recent years, as they allow individuals to borrow money without accruing interest charges, which can be a significant financial burden. According to recent data, the demand for interest-free loans in Pakistan has increased significantly in the past few years, and the government has reciprocated by launching various programs.

Ehsaas Bila Sood Qarza Program

The Ehsaas Bila Sood Qarza program has been launched in Pakistan to help needy families start businesses and become financially self-sufficient. Without interest, this program provides a 5 lakh loan to 1 million people across Pakistan. The loan program is available to men, women, and transgender individuals who meet the eligibility criteria. 

Eligibility Criteria

To be eligible for the Ehsaas loan program, you must be a head member of a family with an income of less than 40,000 or have no income. The program is designed to help those most in need, and the poverty score is used to determine eligibility. Individuals with a poverty score between 18.5 and 40 can apply for the loan program online. Women are given priority in the loan scheme and may receive up to 50% of the loan amount.

How to Apply?

To apply for the Ehsaas loan program, you can download the loan application form from the official website The form is available for download free of charge. Alternatively, you can visit your local Union Council in your district to get the form.

Once you have the form, complete it and submit it to your area’s designated Ehsaas loan center. You will also need to provide some supporting documents, such as your national identity card, proof of income or lack thereof, and other relevant documents. The government established the loan centers to facilitate the loan program, so you should have no trouble finding a center in your area.

Loan Amount

The loan amount for the Ehsaas loan program ranges from 50,000 to 5 lakh rupees. The program is being run by the Pakistan Poverty Alleviation Fund (PPAF) and the Prime Minister Youth Program. The loan has a 0% markup rate, so you will not have to pay any interest. The repayment period is up to three years, giving borrowers ample time to repay the loan.


The Ehsaas Bila Sood Qarza program is an excellent initiative by the government to help needy families in Pakistan start their own businesses and become self-sufficient. The loan program provides financial assistance without any interest, making it a great opportunity for individuals who may not have access to traditional banking services. If you are eligible for the program, follow the steps outlined above to apply and take advantage of this unique opportunity.

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