Insaf Rozgar Scheme

Scheme objectives:

  • Socio-economic Development.          

  • To Combat Poverty and Reduce unemployment.
  • Develop entrepreneurial culture.
  • Overall social & financial inclusion of the disadvantaged segments of the newly merged districts through access to finance.

Target Groups:

    Potential Economic Activities for New and Existing Livelihoods:

  • Dairy, Livestock, Poultry, Aquaculture, Sericulture, Apiculture, Horticulture(Cattles per household’s capacity & economic viability to support their livelihood)
  • Agricultural related off-farming businesses (value-chains)
  • Movable fruit / vegetable / maize cart vendors
  • Beauticians
  • Retailors / Small scale traders
  • Hair Dressing
  • Laundry / Dry cleaning
  • Brass / Copper Work   
  • Pottery
  • Sole Making/Footwear
  • Maizery (Hemp) work
  • Metal work
  • Khaddar / Khaddi Cloth making
  • Wax Printing
  • Calligraphy
  • Truck Art
  • Musical Instruments Making / Instrumentalists
  • Tailors
  • Transport related services (Taxi/Rickshaw/Auto Spare Parts etc.)
  • Tire repair / Puncture shops
  • Mobile repair / Computer hardware repair / Software repair / Printing / Photocopying etc.
  • Services such as handloom weaving and garments etc. 
  • Gems
  • Small Scale Artisans (Mining Marble & Onexy Handicrafts)
  • Allied services to promote tourism
  • Professional graduates with viable micro scale enterprising ideas.

Other micro scale enterprising idea with economic viability & sustainability potential.

    Professionally Potential Economic Activities for New & Existing Entrepreneurs:

  • Doctors, Engineers, Graduate / New entrant cohorts from technical colleges. TEVT centers, vocational centers.
  • Professional graduates with viable micro scale enterprising ideas
  • Disable persons with skills certification from Special Skills Institutes
  • Agricultural related businesses (off-farming)
  • Beauticians
  • Small Scale Artisans (Mining Marble & Onexy Handicrafts)
  • Light Engineering Services
  • Electricians / Electronics
  • Technicians / Mechanics / Plumbers
  • Medical related business
  • Photography & filmmaking
  • Furniture / Wood Carving
  • Handicrafts / Garments stitching / Embroidery/ Dying or other related skills.
  • Small Scale Artisanal Workers
  • Skilled women’s home based enterprises

Other skill based micro scale enterprising idea with economic viability & sustainability potential.

Salient Features:

General Eligibility Criteria

  • A permanent resident of Newly Merged Districts of Khyber Pukhtunkhwa.
  • Having a valid Computerized National Identity Card.
  • Applicant shall be the resident on the provided address for at least two years.
  • Age Limit: 18-50.
  • Potential beneficiary should have a do-able business idea relevant to the skills.
  • Potential beneficiary, who intend to start up or support their viable and sustainable micro scale enterprises at NMAs.
  • Preference will be given to pass out candidates from skilled GoKP development programs or its affiliated institutes. 
  • Female entrepreneurs (including widows)
  • Unemployed individuals (labor workforce).
  • Small traders.
  • Artisans.
  • New skilled entrants or trainees from skilled institutes and vocational centers having no financial resources to start micro scale enterprising.
  • Small scale entrepreneurs who are engaged in manufacturing, handicrafts and   garments etc.
  • Other economically viable micro scale enterprising ideas or support.
  • Business shall be of legal entity.

In-Eligibility

  • Not an employee of any Government or Semi-Government or Autonomous body.
  • Not a regular student
  • The applicant must not have any outstanding loan exposure from any other Government’s/ Donors Scheme or Banks and having clean e-CIB.
  • Not availed loan under BKKRS/ PHRS/ RHRS/ KKS/ YCF/ Wasila-e-Haq facility through Benazir Income Support Program, NRSP/ SRSP.

Loan Size

  • Professionally Educated and skilled:
        Loan Amount:  Max. Rs. 1.0M per client according to business plan.
  • Skilled (Informal/ Semi-informal) individuals:
        Loan Amount:       Max. Rs. 0.500 m per client according to business plan.
  • Women 
        Skilled women:
        Max. Rs. 1.00M depending on business plan viability.
        General/Informal: Max Rs. 0.300M depending on business viability.
  • Others
        Loan Amount: Rs. 50,000/- up to Rs. 300,000/-

Start-up/ Existing having enterprise skills. The loan size ascertainment is subject to assessment of business plan/idea according to prudent banking practices.

Security

  • Two PGs, at least one guarantor must be a Govt. employee of BPS 07 or above.

Repayment

  • 03 Years inclusive of 03 months’ grace period (for new enterprises only).

 

Required Documents

Pre-Approval Stage

  • Duly filled in application form
  • Copy of valid CNIC of applicant & guarantor (e-NADRA Verification)
  • Two passport size photographs of applicant and guarantors.
  • Attested copy of Degree, Diploma or Skill Certification from any recognized institute (where applicable).
  • Government guarantor salary slip.
  • Letter of Comfort from concerned department clearly mentioning BPS for government guarantor.
  • Documentary proof of private guarantor’s Income along with undertaking on stamp paper.

Post-Approval Stage

  • Agreement of Finance.
  • Demand Promissory Note.
  • Personal Guarantee.
  • Any necessary document (where required).

 

Please note that the 1st phase of the scheme has started in the below mentioned stations. whereas the scheme shall be launched in remaining newly merged districts such as Waziristan (North & South), Bajuar, FR Tank, FR Bannu, FR Laki Marwat and FR DI Khan in the next phase after May 15, 2019.

S. No

Station

Area office

BOK  branches

1

Mohmand District

DC office Ghalanai

Shabqadar Branch

2

Khyber District

-

Jamrud Branch

3

Orakzai District

AC office Kalaya

Sherkot Branch

4

Kuram District

-

Parachinar Branch
Sadda Branch

5

FR Kohat

-

Dara Adam Khel Branch

6

FR Peshawar

-

Ring Rd Garhi Qamar Din

In case of any query please contact on the following numbers: 091-5254018, 091-5284245, 091-5276352.

To download Appplication form please click here

To Download Guarantor's verification form please click here

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