Are you a small business owner in Punjab looking for interest-free business loans? The Punjab Asaan Karobar Card Scheme 2025 can be your gateway to starting or expanding your business. Launched under the leadership of CM Maryam Nawaz, this scheme offers interest-free loans up to PKR 1 million to help entrepreneurs succeed.
پنجاب آسان کاروبار کارڈ سکیم 2025 حکومت کی طرف سے چھوٹے کاروباروں کو آسان، سود سے پاک قرضوں کی مدد کے لیے ایک بڑا قدم ہے۔ اگر آپ اہلیت کے معیار پر پورا اترتے ہیں تو آن لائن درخواست دیں اور اپنے کاروبار کو بڑھانے کے لیے اس موقع سے بھرپور فائدہ اٹھائیں۔
In this article, we’ll cover everything you need to know – from how to apply, who is eligible, loan details, and what to do if your application is still under review.
📌 What is the Punjab Asaan Karobar Card Scheme?
The Asaan Karobar Card Scheme is a financial support program for small entrepreneurs in Punjab. Through a digital SME card, business owners can access interest-free loans to pay suppliers, utility bills, and invest in their operations.
🔑 Key Features
| Feature | Details |
|---|---|
| Loan Limit | Up to PKR 1,000,000 |
| Loan Type | Revolving Credit Facility |
| Interest Rate | 0% (Interest-Free) |
| Loan Tenure | 3 Years |
| Grace Period | 3 Months |
| Repayment | 24 Equal Monthly Installments |
| Usage | Digital transactions via POS, mobile app, cash withdrawals (25% limit) |
✅ Eligibility Criteria
To apply for the Asaan Karobar Card Scheme, you must:
- Be 21 to 57 years old
- Be a resident of Punjab with a valid CNIC
- Own or plan a business in Punjab
- Have a clean credit history
- Have a registered mobile number (same as CNIC)
- Pass credit and psychometric assessments
Note: Only one application per person/business is allowed.
📝 How to Apply for Punjab Asaan Karobar Card?
Follow these simple steps to apply:
Step-by-Step Process
- Visit the official portal: https://akc.punjab.gov.pk/cmpunjabfinance
- Register using CNIC and mobile number
- Pay non-refundable application fee of PKR 500
- Complete digital verification:
- Credit assessment
- Business premises check
- Wait for approval and issuance of the digital card
📊 Latest Updates on Asaan Karobar Scheme 2025
📌 Asaan Karobar Card Statistics
| Description | Count |
|---|---|
| Applications Received | 1,380,838 |
| New Businesses Started | 57,913 |
| Total Loans Issued | 104,000 |
| Total Disbursed Amount | PKR 40 Billion |
💰 Loan Breakdown by Sector
| Sector | Beneficiaries | Loan Amount (PKR) |
|---|---|---|
| Transportation | 1,312 | 3 Billion |
| Trading & Distribution | 105 | 3.94 Billion |
| Women Entrepreneurs | 6,753 | 3.42 Billion |
| New Business Initiatives | – | 23 Billion |
💼 Asaan Karobar Finance Scheme (Tier 1 & Tier 2)
This finance scheme is another part of the program offering larger loans for SMEs and growing businesses.
| Tier | Application Status | Loan Details |
|---|---|---|
| Tier 1 (PKR 1-5 Million) | Closed | 2,505 Approved |
| Tier 2 (PKR 6-30 Million) | Open | 505 Approved |
📌 Total Approved Applications (T1 + T2): 3,010
💵 Total Loans Disbursed: PKR 18 Billion
🔍 How to Check Your Application Status?
If you’ve applied and haven’t received your loan yet:
- Visit the official portal
- Login to your dashboard
- Check verification status – 2, 3 or 4 checkmarks show your progress
- Contact Helpline 1786 if your status is stuck
⚠️ Common Issues and Solutions
❌ Why Applications Get Rejected
- Failed credit assessment
- Incomplete documents
- Failed physical verification
✅ What to Do If Fully Verified but Loan Not Received
If you’ve:
- Passed credit check
- Completed physical verification
- No overdue loans
Then:
📞 Call Helpline 1786 to get an update and next steps.
📣 Important Notices
- Tier 1 Applications (1M to 5M) – Closed
- Tier 2 Applications (6M to 30M) – Still Open
- All pending cases to be processed quickly as per CM Maryam Nawaz’s instructions.
💡 Loan Usage Rules
- Use only for business-related expenses
- No spending on entertainment or personal needs
- Digital spending is encouraged via app and POS
- First 50% of loan released immediately
- Remaining 50% released after:
- Regular repayments
- Business registration with PRA/FBR
📞 Helpline & Support
| Support Option | Contact |
|---|---|
| Phone Helpline | 1786 |
| Official Portal | akc.punjab.gov.pk |
| Business Plan Resources | Available on PSIC and BOP websites |
❓ FAQs – Punjab Asaan Karobar Card Scheme 2025
Q1. Who can apply for the Asaan Karobar Card?
Answer: Anyone aged 21–57 living in Punjab with a valid CNIC and a small business or start-up idea.
Q2. What is the loan amount offered?
Answer: Up to PKR 1 million (interest-free).
Q3. How long does it take to get approval?
Answer: It varies. If all verification steps are completed, call 1786 to expedite the process.
Q4. Can women entrepreneurs apply?
Answer: Yes, and thousands of women have already benefited from the scheme.
Q5. Is physical verification mandatory?
Answer: Yes, it’s done by Urban Unit within 6 months of loan approval.
Q6. Can I withdraw cash?
Answer: Yes, up to 25% of the limit can be withdrawn for business purposes.
📝 Conclusion
The Punjab Asaan Karobar Card Scheme 2025 is a major step by the government to support small businesses with easy, interest-free loans. If you meet the eligibility criteria, apply online and take full advantage of this opportunity to grow your business.
Stay updated, check your application regularly, and don’t hesitate to call 1786 for any help.