Insaf Rozgar Scheme: Hope for Jobless Youth

The Insaf Rozgar Scheme is a groundbreaking initiative launched by the Government of Pakistan to address the rising unemployment rate and empower the youth with self-employment opportunities. As part of the government’s broader strategy to revive the economy, this scheme offers interest-free loans to young men and women, helping them start their own businesses and become financially independent.

This is not just a financial support program—it is a vision for a self-reliant and progressive Pakistan.

What is the Insaf Rozgar Scheme?

The Insaf Rozgar Scheme was introduced with the aim to reduce poverty, boost local entrepreneurship, and improve the standard of living in underdeveloped areas, especially in Khyber Pakhtunkhwa. Under this scheme, the government provides interest-free loans ranging from Rs. 50,000 to Rs. 1,000,000 to eligible youth. These loans are given without collateral, making them accessible to people from all backgrounds, particularly those who cannot approach commercial banks due to strict conditions.

The scheme is implemented through the Bank of Khyber and various microfinance institutions in partnership with the provincial government. The focus is on sectors like agriculture, retail, IT, and services, where skilled individuals can start small but sustainable businesses.

Who Can Apply?

The eligibility criteria are designed to be inclusive but focused. Applicants must:

Be between the ages of 18 and 45
Hold a valid CNIC (Computerized National Identity Card)
Have a workable business idea or plan
Reside in Khyber Pakhtunkhwa, including the merged tribal districts

Preference is given to those who have technical or vocational training, especially in trades like tailoring, welding, mechanics, IT, livestock, and small-scale farming.

Why the Insaf Rozgar Scheme Matters

In a country where youth unemployment remains a pressing issue, the Insaf Rozgar Scheme provides more than just money—it provides opportunity, dignity, and a path to economic freedom. It also encourages innovation at the grassroots level and reduces dependence on government jobs.

Another significant impact of the scheme is on rural communities. Most programs in the past focused on urban areas, but this scheme targets marginalized districts and small towns, enabling youth to stay in their hometowns and contribute to the local economy.

Women are also encouraged to apply, and a percentage of the funds are allocated specifically for female entrepreneurs. This ensures gender inclusion and supports Pakistan’s commitment to women’s economic empowerment.

Success Stories and Impact

Since its launch, the Insaf Rozgar Scheme has benefited thousands of families. Many recipients have set up grocery stores, mobile repair shops, tailoring centers, livestock farms, and even online service businesses. Some have gone on to hire others, creating a chain of employment and income generation.

According to reports from the Bank of Khyber, loan recovery rates are high, indicating strong commitment and success among borrowers. This also shows that when people are trusted and supported, they rise to the occasion.

Application Process

The application process is simple and transparent. Interested individuals can visit the nearest branch of the Bank of Khyber or apply online through the official portal. They must submit their CNIC, business proposal, and proof of residence. After verification, selected candidates receive loan disbursement along with business training and mentorship.

Final Thoughts

The Insaf Rozgar Scheme is not just a policy—it’s a promise to the youth of Pakistan. It represents the government’s dedication to building a self-sufficient economy where every individual has the chance to succeed. With proper promotion, fair implementation, and continued support, this scheme can change lives and serve as a model for youth empowerment across the country.