Khud Mukhtar Program (Get 1-2 Lakh Small Business Loan)

The Khud Mukhtar Program, operating within the framework of the Benazir Income Support Program (BISP), stands as a beacon of hope for married couples aged 18 to 29 facing economic challenges.

Specifically tailored to meet the needs of families with at least one child under five, this program offers a substantial interest-free loan of 72,000, catalyzing economic empowerment.

Beyond its financial support, the Khud Mukhtar Program is a comprehensive initiative encompassing Health, Primary Education, Social, and Economic Development.

Its multifaceted approach not only addresses immediate financial concerns but also aims to uplift families from poverty by imparting crucial business training and skills.

The Khud Mukhtar Program interest-free loan is a holistic solution, weaving together financial aid, education, and social development to create a path toward a brighter future for those in need.

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Khud Mukhtar Program Interest-Free Loan For Business

Table of Contents

• Khud Mukhtar Program Interest-Free Loan For Business
  • What is the Khud Mukhtar Program?
  • Khud Mukhtar Program Loan Amount
  • Businesses Under The Khud Mukhtar Program
  • Benefits Of Khud Mukhtar Program
  • Features Of the Khud Mukhtar Program
  • Eligibility Criteria To Get A Business Loan Under The Khud Mukhtar Program
  • List Of Recommended Businesses Under The Khud Mukhtar Program
  • Khud Mukhtar Program Helpline Number
  • FAQs | Khud Mukhtar Program

What is the Khud Mukhtar Program?

• The Khud Mukhtar Program stands as a welfare initiative strategically crafted to assist married couples falling within the age bracket of 18 to 29.
• Eligibility for this program is contingent upon the couple having at least one child under the age of five, ensuring targeted support for young families.
• A notable feature of the Khud Mukhtar Program is its provision of an interest-free loan expressly tailored for business endeavors. This unique financial offering allows young couples to access substantial funds without incurring any interest charges, thereby presenting a favorable opportunity for them to initiate and expand their entrepreneurial ventures.

Khud Mukhtar Program Loan Amount

• The Khud Mukhtar Program, designed to support married couples aged 18 to 29 with at least one child under five, provides a substantial interest-free loan amounting to 72,000 for each eligible applicant. This loan structure ensures that couples can utilize the funds without the burden of additional charges, offering a conducive environment for initiating and expanding their business endeavors.
• In addition to the primary loan offering, the program incorporates a phased financial assistance initiative, allocating up to Rs.23,000 for pregnant women and children under two years of age. This targeted support aims to address the specific needs of vulnerable populations during crucial phases of life.
• Further extending its reach, the Aghush program, a facet of the Khud Mukhtar initiative, disburses financial aid of Rs.17,000 to pregnant women and nursing mothers in 564,000 households spread across 11 backward districts. This targeted approach contributes to improving the overall well-being of these households.
• The Khud Mukhtar Program’s comprehensive impact encompasses 75,000 households, which benefit from the distribution of productive assistance, receiving Rs.72,000 per household. This initiative is a testament to the program’s commitment to fostering economic development and financial stability among eligible households.
• As part of the broader Benazir Income Support Program, the Khud Mukhtar initiative is specifically tailored to cater to the needs of married couples aged 18 to 29 with at least one child under five. Beyond financial aid, the program extends its support through health, primary education programs, and valuable business training, reinforcing its holistic approach to empowering eligible households.

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Businesses Under The Khud Mukhtar Program

These recommended businesses under the Khud Mukhtar Program reflect a diverse array of opportunities, empowering eligible couples to choose a venture aligned with their skills and the needs of their community, fostering economic development and self-sufficiency.

• Delivery Services: Offering a valuable service in the form of timely and efficient deliveries, catering to the growing demand for convenience.
• Fruit and Vegetable Shop: Promoting healthy living by providing fresh and locally sourced fruits and vegetables to the community.
• Plumbing Services: Addressing essential household needs, contributing to the maintenance and improvement of residential infrastructure.
• Carpentry Services: Providing skilled carpentry services for furniture and home improvement projects, meeting the demands of the local market.
• Electrician Services: Fulfilling the crucial role of electrical maintenance and repairs, ensuring the safety and functionality of residential and commercial spaces.
• UPS Service Center: Meeting the increasing demand for reliable power backup solutions, contributing to uninterrupted power supply in the community.
• Melting Shop: Engaging in metalworking and fabrication, supporting local industries, and contributing to economic growth.
• Bicycle Repairing Services: Encouraging sustainable transportation and offering repair services for an eco-friendly mode of commuting.
• Grocery Store: Establishing a community-centric grocery store, providing essential items and contributing to local economic activity.
• Beauty Parlor: Meeting the grooming and beauty needs of the community, fostering a sense of well-being and confidence.
• Samosa Pakoda Shop: Catering to local culinary preferences, providing snacks and delicacies to the community.
• Animal Husbandry: Engaging in responsible animal husbandry practices, contributing to the local agriculture sector, and ensuring a sustainable source of income.

Benefits Of Khud Mukhtar Program

• Local Verification for BISP Households:
  • The transparent selection process with locals actively verifying the eligibility of Benazir Income Support Program (BISP) households, ensuring fairness and openness.
• Nomination by Housewives:
  • Empowering housewives to nominate individuals for personal employment, providing them with a voice and agency in the program.
• Business Training Sessions:
  • Conducting comprehensive training sessions in business running and management, equipping participants with the skills needed for enhanced profitability through effective planning.
• Supervised Asset Purchase:
  • Overseeing asset purchases through a local committee, promoting responsible and well-informed decision-making to ensure the judicious use of funds.
• Household-Level Investment Planning:
  • Supporting investment planning at the household level through social organizers, facilitating effective utilization of resources for sustainable economic growth.
• Technical Support from IRM and NRSP:
  • Receiving operational technical support from the Integrated Resource Management (IRM) and the National Rural Support Program (NRSP), ensuring the program’s efficiency and effectiveness.
• Focused Financial Assistance:
  • Directing financial assistance exclusively towards relevant personal employment opportunities, preventing misuse, and maximizing the impact of the support provided.
• Identification through Professional Registry:
  • Identifying households eligible for self-employment support through the Professional Mosheda Kanamak Registry (NSER), streamlining the targeting process.
• Tehsil-Level Door-to-Door Registration:
  • Conducting door-to-door registration at the tehsil level, ensuring widespread outreach and assistance to a larger segment of the population.
• Philosophy of “Give, Give, Burn”:
  • Encouraging a culture of resilience and hard work, where success in personal businesses becomes a motivator for recipients to strive for continuous improvement.
• Youth Employment Focus:
  • Prioritizing youth employment by providing tailored opportunities, addressing the specific needs of the younger population, and contributing to overall economic development.

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Features Of the Khud Mukhtar Program

• Local Verification for BISP Households:
  • Transparent verification process conducted locally for Benazir Income Support Program (BISP) households, ensuring fairness in participant selection.
• Nomination by Housewives:
  • Empowering housewives to actively nominate individuals for personal employment opportunities, providing them with a participatory role in the program.
• Business Training Sessions:
  • Comprehensive training sessions in business operations and management to enhance the entrepreneurial skills of participants, fostering sustainable business growth.
• Supervised Asset Purchase:
  • Oversight of asset purchases through a local committee, ensuring responsible decision-making and informed utilization of funds.
• Household-Level Investment Planning:
  • Support for investment planning at the household level, facilitated by social organizers, promotes effective resource utilization for economic development.
• Technical Support from IRM and NRSP:
  • Operational technical support is provided by the Integrated Resource Management (IRM) and the National Rural Support Program (NRSP), ensuring the program’s efficiency and success.
• Focused Financial Assistance:
  • Directed financial assistance specifically toward relevant personal employment opportunities, preventing misuse and optimizing the impact of the support.
• Identification through Professional Registry:
  • Identification of eligible households for self-employment support through the Professional Mosheda Kanamak Registry (NSER), streamlining the targeting process.
• Tehsil-Level Door-to-Door Registration:
  • Conducting door-to-door registration at the tehsil level, extending program outreach, and providing assistance to a broader population.
• Philosophy of “Give, Give, Burn”:
  • Instilling a culture of resilience and hard work, where success in personal businesses becomes a motivating factor for continuous improvement.
• Youth Employment Focus:
  • Prioritizing youth employment through tailored opportunities, addressing the specific needs of the younger population, and contributing to overall economic development.

Eligibility Criteria To Get A Business Loan Under The Khud Mukhtar Program

• Age Criteria:
  • Applicants must fall within the age bracket of 18 to 29 years to meet the eligibility requirements of the Khud Mukhtar Program.
• Child Under Five Years:
  • Household eligibility is contingent upon having at least one child under the age of five, emphasizing support for young families with specific needs.
• Enrollment in Benazir Income Support Program:
  • Prospective beneficiaries of the Khud Mukhtar Program must already be registered with the Benazir Income Support Program, establishing a pre-existing link to social welfare initiatives.

List Of Recommended Businesses Under The Khud Mukhtar Program

• Delivery Services:
  • Facilitating convenient doorstep delivery services for a variety of goods, enhancing accessibility for the local community.
• Plumbing Services:
  • Addressing domestic water and pipe-related issues through skilled plumbing services, contributing to the maintenance of residential infrastructure.
• Bangles Shop:
  • Offering a diverse array of bangles for adornment, providing a niche product to cater to the local market.
• Animal Husbandry:
  • Engaging in the care and breeding of animals, contributing to agricultural activities and sustainable livelihoods.
• Shidakari (Farming):
  • Cultivating crops and plants for sustenance, aligning with agricultural practices and local needs.
• Melting Shop:
  • Crafting and melting metals for various purposes, supporting local industries and artisanal work.
• Pickle Square:
  • Creating and selling a variety of pickles, tapping into culinary preferences and local food culture.
• Carpentry Services:
  • Crafting and repairing wooden items through skilled carpentry services, addressing the demand for quality woodwork.
• Grocery Store:
  • Establishing a neighborhood grocery store, providing essential food and household items to the community.
• Samosa Pakoda Shop:
  • Offering a range of delicious fried snacks, catering to local tastes and preferences.
• Beauty Parlor:
  • Providing beauty and grooming services, contributing to personal care and well-being within the community.
• Garment Stitching:
  • Sewing and creating clothing items through garment stitching services, meeting the local demand for tailored clothing.
• Tea Topa (Tea Stall):
  • Operating a tea stall and serving hot tea along with snacks, creating a social space for community members.
• Vegetable and Fruit Shop:
  • Selling fresh produce through a vegetable and fruit shop, contributing to local food accessibility.
• Pot Polishing:
  • Specializing in polishing and beautifying pots and utensils, offering a unique service in household aesthetics.
• Hairdressing Services:
  • Providing hair-cutting and styling services, contributing to personal grooming and styling needs.
• Bicycle Repairing Shop:
  • Fixing and maintaining bicycles, promoting sustainable transportation, and offering repair services.
• Industrial Home:
  • Engaging in home-based industrial activities, fostering entrepreneurship and economic development.
• Electrician and UPS Service Center:
  • Addressing electrical issues and providing UPS services through a dedicated service center, ensuring reliable power solutions for the community.

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Khud Mukhtar Program Helpline Number

• Helpline:
  • Contact the Khud Mukhtar Program anytime, as the helpline is available 24/7, ensuring round-the-clock assistance.
  • Dial 1221 to connect with the program’s helpline for inquiries, support, or information.
• Email:
  • Reach out to the program through email at info@phcip.com.pk for written communication, allowing for detailed queries or concerns to be addressed.
• Address:
  • Visit the program’s office at 78-79, D-Block, New Muslim Town, Wahdat Road, Lahore, to seek in-person assistance or submit documents. The physical address provides a convenient point of contact for those in the vicinity.

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FAQs | Khud Mukhtar Program