Ehsaas Qarz-e-Hasna 2023 | Guide to Apply Online

In dire need of money but don’t know which source to explore? Then you are at the right place. The Qarz-e-Hasna program is the best solution for individuals facing financial difficulties and issues due to high-interest rates. Qarze-e-Hasna offers a range of benefits that will pave the way for a more stable future as long as you don’t misuse the funds.

qarze hasna

In this article, I will discuss everything related to the Qarz-e-Hasna program, its objectives, and how you can apply for the Ehsaas Qarz-e-Hasna program. Therefore, keep reading to gain insights.


Qarz-e-Hasna refers to an Islamic financial concept of an interest-free loan given to individuals needing money. Therefore, the borrower only needs to return the amount borrowed without any interest. In Pakistan, several non-government agencies and the government have executed Qarz-e-Hasna schemes to financially empower the vulnerable segments of society.

Main Objective

In Pakistan, due to the high poverty rate and inflation, many individuals do not have the luxury to afford education, increase their living standards, or find suitable jobs. This appalling economic condition limits the opportunities available to deserving people. Consequently, Qarz-e-Hasna schemes launched by the government or agencies become a means of survival for these needy and vulnerable people.

The main aim of the Qarz-e-Hasna program is to reduce poverty and financially empower the economically marginalized population. With interest-free loans, many individuals can expand their businesses, pursue higher education, and improve their living conditions. Therefore, the availability of Qarz-e-Hasna schemes is crucial for needy people to overcome their financial hurdles.

Ehsaas Qarz-e-Hasna Program (Interest-Free Loan)

Many agencies in Pakistan are providing interest-free loan services to deserving people. However, I will focus on the Ehsaas Qarz-e-Hasna program launched by the Pakistan government to assist the economically disadvantaged population. The Ehsaas interest-free loan scheme was initiated in 2019 under the Qarza program.

This scheme aims to alleviate poverty and financially strengthen low-income households throughout Pakistan. Moreover, the government of Pakistan is offering 80,000 interest-free loans every month. Additionally, this project prioritizes the recipients of the Benazir Income Support Program (BISP), Zakat, and Baitul Mal schemes. Therefore, if you benefit from one of these programs, you can also apply for the Ehsaas program.

Eligibility Criteria

Let me tell you about the eligibility criteria for the Ehsaas Qarz-e-Hasna program (interest-free loan). They are as follows:

Age: Your age must be somewhere between 18 and 60.

Nationality: Only those are eligible to apply who have Pakistan nationality and possess Computerized National Identity Card (CNIC). The card should be valid and registered with NADRA.

Poverty Level: Your household income or poverty level should be 40 on the poverty scorecard. It is a tool that calculates poverty at different levels.

Priority: Priority will be given to the vulnerable people residing in rural and urban areas.

No Other Loan: Before applying for the Ehsaas Qarz-e-Hasna program, you must ensure that you are not receiving any loan from other agencies.

Business: If you need an interest-free loan for your business, the conditions are that you must own a small-scale business or have plans of starting one.

Loan Assessment

Read the following points to find out about the loan division and the amount each individual will receive:

  • The minimum interest-free loan amount provided to individuals ranges from 20,000 to 75,000 Rupees.
  • To start or expand your business, the loan you will receive is 100,000 Rupees.
  • Women are assigned 50% of the Qarz-e-Hasna (interest-free loan).
  • Ehsaas interest-free scheme will disburse 80,000 Rupees per month throughout Pakistan.
  • Furthermore, preference is given to skilled women, disabled individuals, young people, and transgender people.

Ehsaas Qarz-e-Hasna Application Process

Want to apply for the Ehsaas Qarz-e-Hasna scheme but don’t know how to? Then let me guide you through the process. Read the following instructions to apply for Ehsaas interest-free loan smoothly so you do not miss your chance to receive the much-needed funds.

Step:1 Eligibility Check

You must fulfill all the eligibility criteria before applying for the Ehsaas Qarza-e-Hasna program. If you do not meet the program’s requirements, you will not be able to receive the much-anticipated payments. It can be crucial; therefore, be careful.

Step 2: Visit The Loan Center Near You

Find the local Ehsaas loan center near your location. You can find information about loan centers and districts through the website ppaf.org.pk/NPGI. You can find the Qarza center near you by visiting the Essaas interest-free loan website. After you have found your center, visit that location.

Step 3: Poverty Score Card Verification

Next, they will check your household income and financial conditions. You must provide correct information to avoid any delay in payments. Moreover, remember that your poverty level should be up to 40. This ensures that the interest-free loan is provided to the entitled individuals.

Step 4: Fill In The Application Form

Lastly, you must register yourself as a borrower if you are considered qualified by the loan officer and complete the application form that will be provided to you by the loan officer. Moreover, remember to bring your valid CNIC card.

Furthermore, the loan officer will visit your home to verify the details you have provided to them. This step ensures that a borrower is not lying about his financial conditions and urgently needs money. Therefore, providing authentic and correct details is necessary if you don’t want any legal actions taken against you.

Another question arises how will you know if your application is accepted? The loan officer will inform you if your application is approved. If your application is accepted, it will take at least two to four weeks for loan approval to be finalized. Therefore, you must wait for some days. After the approval, you will receive the money.

Ehsaas Qarz-e-Hasna (Interest-Free Loan) Program Conditions

You must follow their terms and agreements to apply for the Ehsaas Qarz-e-Hasna program. They are as follows:

  1. You must repay the received amount within one year. It can be repaid in installments.
  2. If you do not repay the amount within due time, it is important to note that the government possesses every right to take legal action against you. Therefore, you must fulfill your responsibility as a lawful citizen.
  3. Furthermore, you must use the provided loan for the designated purpose, such as educational and business purposes. If you use the amount for the wrong purpose, the government can take legal action against you, leading to severe consequences. Therefore, be cautious.
  4. Provide valid and authentic required documents.
  5. Your CNIC must be registered with NADRA.
  6. The amount lent to you will be 100,000 Rupees.
  7. Another condition is that you must meet the scheme’s eligibility requirements to qualify for the Ehsaas Qarz-e-Hasna (interest-free loan) program.

Examples Of Another Qazn-e-Hasna Program in Pakistan

Many agencies in Pakistan implement the Qarz-e-Hasna program to relieve the financial burden of the poor and needy people. Let me give you an example of some of these organizations:

Akhuwat Foundation: It is one of the most well-known organizations in Pakistan, launched in 2001, providing Qarz-e-Hasna to the vulnerable part of society to improve their living and financial conditions. Furthermore, they prioritize widows and disabled individuals.

Meezan Bank/Ihsan Qarz-e-Hasna: Ihsan Qarz-e-Hasna is offered to students who want to pursue higher education in Pakistan. They offer interest-free loans based on “Need cum merit.” However, it offers interest-free loans to students pursuing their education in the Ihsan Qraz-e-Hasna scheme partner universities. Therefore, to apply for this scheme, you must ensure that you are enrolled in one of the universities funded by the Ihsan Qarz-e-Hasna program.


Can you apply online for the Ehsaas Qarz-e-Hasna program?

Unfortunately, no. You must visit the Qarza or loan center near you and complete the application form. You can find which loan center is near your region through their website ppaf.org.pk/NPGI. The loan officer will help you with further details.

What is Qarz-e-Hasna program?

Qarza-e-Hasna program offers interest-free loans to Pakistan’s needy and vulnerable population. The government and non-government agencies implement Qarz-e-Hasna programs to alleviate poverty, support small-scale businesses, and provide financial assistance to poor people. You can apply for this program if you are in dire need of money.

Closing Remarks

Qarz-e-Hasna schemes allow you to pursue your education, set up a small business, and improve your overall financial status. It has become crucial in tackling poverty, improving living standards and other socio-economic conditions. Therefore, you must not miss any chance to apply for the Ehsaas Qarz-e-Hasna (interest-free loan) program.

The application is straightforward and does not require any technical knowledge. You only need to visit the nearest Qarza or loan center to complete the application and registration process. However, before applying, you must fulfill all the eligibility criteria, such as age limit, poverty level, household income, and more.

Furthermore, you must provide authentic and accurate details to the loan officer, as they will visit your residence to confirm the accuracy of the information provided in the application form.


  1. I need personal loan for my sister wedding ceremony 1 million I pay you in easy installments in 2 years if it is 100% intrest free I give every giranty

  2. Hi sir i needed loan for business app. 500000/ with out interest with easy instalments for seven years. As you know that the business going slow. I am from Faisalabad plz direct to me the nearest one. Plz sir grant me the loan on urgent basis. Thanks

  3. I need 1 million rupees investment business Air conditioner end frig sale parches end repair parts I pay you 1 year 100 )%gurnty

  4. Assalamo Alaikum

    kya such me ap muje 100k ka loan de skte hain .. mai ap ko hr month kist dedu gha mai dokha nai du gha

  5. Assalamualaikum
    Sir mujhy 2 lac ka karz chahy bena sood ky plz ap myri madad kr dyn may kist regularly pay karon gi

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