KP Govt Maizban Program 2025 Cheque Distribution
KP Govt Maizban Program 2025 Cheque Distribution: The Khyber Pakhtunkhwa government, in collaboration with the Bank of Khyber, has launched a landmark initiative to boost tourism and the local economy through homestay facilities. The Maizban Program provides interest-free loans up to Rs. 3 million for local homeowners in tourist districts to build or renovate rooms for tourists. This initiative aims to create employment opportunities, improve accommodation standards, and promote cultural tourism across KP.
As of 2025, the cheque distribution has officially started, allowing eligible applicants to collect their funds directly from Bank of Khyber branches. This marks the operational start of the program, enabling locals to begin construction or renovation work to host tourists in their homes. The program emphasizes sustainable tourism, financial support, and practical implementation in key tourist areas of KP.
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Target Areas of the Maizban Program
The program targets districts with high tourism potential and local residents eager to provide homestay services. The main districts include:
- Swat
- Upper Dir
- Lower Dir
- Upper Chitral
- Lower Chitral
- Abbottabad
- Mansehra
Specific areas within these districts have been prioritized for better tourism impact:
- Kumrat and beyond Shirengil
- Upper and Lower Chitral
- Mansehra beyond Kaghan
- Swat beyond Bahrain
- Abbottabad (Galiyat)
- Laram Top, Lower Dir
The focus on these areas ensures the homestay program reaches regions with high tourist influx, benefiting local communities while improving accommodation options for visitors.
Purpose of Loan and Financing
The Maizban loans are designed to assist locals in providing quality homestay services. The loans can be used for:
- Constructing new rooms on the applicant’s own land
- Adding rooms, bathrooms, or kitchens to existing homes
- Renovating and upgrading existing facilities to meet homestay standards
These purposes ensure that homes are well-equipped to accommodate tourists comfortably, offering essential amenities that enhance the travel experience in KP. These objectives also help locals generate income while contributing to tourism growth in the province.
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Key Features of the Maizban Loan
Before applying, applicants should understand the main features of the program:
- Financing limit up to Rs. 3 million depending on requirement
- Facility type: Qarz-e-Hasana (interest-free loan)
- Tenor: up to 5 years with a maximum grace period of 1 year
- Security requirement: personal guarantee of a government employee (BS-16) or mortgage of property equal to loan amount
These features make the program accessible and supportive for local residents, ensuring ease of repayment and financial sustainability.
Eligibility Criteria
Applicants must meet specific criteria to benefit from the Maizban Program:
- Permanent resident of the selected area
- Valid CNIC
- Age between 20 and 55
- Ownership of a home with basic amenities
- Entrepreneurial potential and reasonable education level
- Female entrepreneurs are encouraged to apply
- Maximum of two rooms can be constructed or renovated
The eligibility ensures that loans are granted to individuals who can manage and operate homestay services successfully.
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Loan Disbursement Process
Loan funds are released in tranches to ensure proper utilization and timely completion of construction or renovation:
Construction type (completion 6–12 months)
- 20% advance (first tranche)
- 30% upon reaching DPC level (second tranche)
- 30% upon reaching lintel level (third tranche)
- 20% upon completion of work (fourth tranche)
Renovation type (completion 3–6 months)
- 40% advance (first tranche)
- 40% after utilization and assessment of first tranche
- 20% upon completion of work (third tranche)
These tranches allow applicants to fund projects efficiently while ensuring accountability and quality of construction.
Application Process And Required Documents
Applicants can submit their forms through Bank of Khyber branches or download them from the BoK website. Required documents include:
- CNIC
- Proof of property ownership
- Supporting documents as per bank guidelines
The simple application process ensures that locals from various districts can easily access the program and start their homestay projects.
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Benefits of the Maizban Program
The program provides multiple advantages for local residents and tourism development:
- Supports locals with interest-free financing for homestay development
- Promotes economic growth by generating income opportunities
- Reduces pressure on existing hotels in tourist areas
- Encourages female entrepreneurs to participate in tourism business
- Provides tourists with quality accommodation and traditional hospitality
These benefits make the Maizban Program a win-win initiative for both locals and visitors.
Loan and Program Details
| Particulars | Details |
|---|---|
| Maximum Loan | Rs. 3 million |
| Facility Type | Qarz-e-Hasana (Interest-Free) |
| Tenor | Up to 5 years with 1-year grace period |
| Security Requirement | Personal guarantee of Govt employee BS-16 or mortgage of property |
| Eligible Districts | Swat, Upper/Lower Dir, Upper/Lower Chitral, Abbottabad, Mansehra |
| Target Areas | Kumrat, Shirengil, Chitral, Mansehra Beyond Kaghan, Swat Beyond Bahrain, Galiyat, Laram Top |
| Maximum Rooms | 2 Rooms (construction/renovation) |
| Disbursement Mode | In tranches as per construction/renovation type |
This table summarizes the program clearly for easy understanding by potential applicants.
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Cheque Distribution Started
The most significant update for applicants is that cheque distribution has started in 2025. Eligible applicants can visit the Bank of Khyber branches to collect their loan cheques and begin construction or renovation immediately.
Receiving the cheque is the first step toward establishing homestay facilities, which will help locals earn income while improving tourism services in their areas. Proper planning and use of funds are essential for the successful operation of homestay accommodations.
Monitoring and Implementation
The Tourism Department and Bank of Khyber actively monitor the program to ensure proper usage of funds. Committee inspections verify that the rooms meet quality standards, providing tourists with safe, comfortable, and well-equipped accommodations.
Repayment is structured over five years, with the first repayment starting from the second year, allowing applicants sufficient time to stabilize their homestay business before paying back the loan.
Officials’ Statements
Chief Minister highlighted the province’s tourism potential, stating:
“Utilizing these opportunities effectively could not only enhance the province’s revenue stream but also create employment opportunities for locals.”
He emphasized that homestay tourism is ideal for promoting traditional hospitality while supporting local economic development.
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FAQs
Who is eligible for the Maizban loan?
Permanent residents of selected tourist areas with CNIC and a home can apply.
How much loan can an applicant receive?
Eligible applicants can receive up to Rs. 3 million interest-free.
Are women allowed to apply for the program?
Yes, female entrepreneurs are strongly encouraged to participate.
Where can I collect my loan cheque?
Eligible applicants can collect cheques from Bank of Khyber branches.
What is the repayment period of the loan?
The loan is repayable over 5 years, starting from the second year.
Final Words
The KP Maizban Program is a transformative initiative for local tourism and economic development. By providing interest-free loans and promoting homestay culture, it empowers locals while offering tourists quality accommodation in scenic districts of KP.
With cheque distribution started, eligible applicants can now begin their projects, contribute to local tourism, and benefit economically. This program strengthens KP’s tourism sector and highlights the importance of sustainable community-based development.
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