Khud Mukhtar Loan Program Online Registration – Apply for 1.5 Lakh

Punjab Khud Mukhtar Loan BISP Program

The Khud Mukhtar Program is a pivotal initiative by the Government of Punjab, aiming to uplift economically challenged households by enhancing human capital and promoting economic self-sufficiency. Launched under the Punjab Human Capital Investment Project (PHCIP), this program focuses on providing resources and training to empower young married couples from underprivileged backgrounds.

Program Overview of Khud Mukhtar

The primary objective of the Khud Mukhtar Program is to foster economic inclusion among impoverished and vulnerable married couples aged between 18 and 35. This is achieved through a comprehensive support system that includes:​

• Labor Market Readiness (LMR) Training: Equipping beneficiaries with essential skills to enhance their employability and prepare them for income-generating activities.​

• Livelihood Support Grants (LSGs): Provision of productive assets and materials worth up to PKR 150,000, enabling beneficiaries to initiate or expand their own income-generating ventures.

• Intensive Coaching: Offering continuous guidance to improve economic behaviors, thereby increasing the financial resilience of beneficiary households.

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Eligibility Criteria for Khud Mukhtar

To qualify for the Khud Mukhtar Program, applicants must meet the following criteria:

• Marital Status: Applicants must be married.​

• Age Requirement: Both spouses should be between 18 to 35 years old.​

• BISP Beneficiary: Applicants must belong to households registered under the Benazir Income Support Program (BISP), as identified through the National Socio-Economic Registry (NSER).

Program Benefits

By participating in the Khud Mukhtar Program, beneficiaries gain access to:​

• Economic Empowerment: Through LMR training and LSGs, beneficiaries can start or enhance their own businesses, leading to sustainable income sources.​

• Skill Development: The program’s training components equip individuals with market-relevant skills, increasing their employability and potential for higher earnings.​

• Financial Resilience: Continuous coaching helps beneficiaries adopt better financial practices, ensuring long-term economic stability.​

Impact on Poverty Reduction

The Khud Mukhtar Program plays a crucial role in poverty alleviation by:

• Enhancing Human Capital: Investing in the skills and capabilities of young couples contributes to overall economic growth and development.​

• Promoting Self-Reliance: By providing resources and training, the program empowers individuals to become self-sufficient, reducing dependency on external aid.​

• Supporting Vulnerable Populations: Targeting BISP beneficiary households ensures that assistance reaches those most in need, addressing socio-economic disparities.

List Of Recommended Businesses Under The Khud Mukhtar Program

• Delivery Services: Bringing goods to your doorstep easily.
• Plumbing Services: Fixing water and pipe issues in homes.
• Bangles Shop: Offering a variety of bangles for adornment.
• Animal Husbandry: Caring for and breeding animals.
• Shidakari (Farming): Growing crops and plants for sustenance.
• Melting Shop: Crafting and melting metals for various purposes.
• Pickle Square: Creating and selling a variety of pickles.
• Carpentry Services: Crafting and repairing wooden items.
• Grocery Store: Providing everyday food and household items.
• Samosa Pakoda Shop: Offering delicious fried snacks.
• Beauty Parlor: Providing beauty and grooming services.
• Garment Stitching: Sewing and creating clothing items.
• Tea Topa (Tea Stall): Serving hot tea and snacks.
• Vegetable and Fruit Shop: Selling fresh produce.
• Pot Polishing: Polishing and beautifying pots and utensils.
• Hairdressing Services: Offering hair cutting and styling.
• Bicycle Repairing Shop: Fixing and maintaining bicycles.
• Industrial Home: Home-based industrial activities.
• Electrician and UPS Service Center: Fixing electrical issues and providing UPS services.

Khud Mukhtar Program Helpline Number

FAQs of Khud Mukhtar

Conclusion

The Khud Mukhtar Program stands as a testament to the Government of Punjab’s commitment to empowering its youth and combating poverty. By focusing on skill development, financial support, and continuous coaching, the program paves the way for a more self-reliant and economically stable society.