The CM Punjab Loan Scheme 2026 – Asaan Karobar Loan Scheme, launched by the Government of Punjab under Chief Minister Maryam Nawaz Sharif, aims to support small entrepreneurs and SMEs across the province. The scheme offers interest-free loans up to PKR 1 million through a Digital SME Card, providing transparent, cashless, and structured financing to help businesses grow and sustain operations. Eligible applicants can apply online, log in, and check their loan status using their CNIC through the official PITB portal. This initiative also focuses on interest-free housing loans, fair allocation, and inclusive access to promote affordable housing opportunities for all eligible citizens.
Maryam Nawaz Loan Scheme 2026 Apply Online
- Maximum Loan Limit: PKR 1,000,000
- Interest Rate: 0% (Interest-Free)
- Loan Tenure: 3 Years
- Loan Type: Revolving Credit Facility (First 12 Months)
- Repayment Period: 24 Equal Monthly Installments (after first year)
- Grace Period: 3 Months from card issuance
- Disbursement Mode: Digital SME Card
مزید معلومات کے لیے یا مفت آن لائن درخواست دینے کے لیے ہمارے واٹس ایپ چینل میں شامل ہوں۔ لنک پر کلک کریں اور چینل جوائن کریں
Usage of CM Punjab Loan Amount
The loan can be used strictly for business-related purposes, including:
- Vendor and supplier payments
- Utility bills, government fees, and taxes
- Digital transactions via POS machines & Mobile App
- Cash withdrawal up to 25% of loan limit for miscellaneous business needs
🚫 Personal or non-business transactions are blocked automatically.
Apply Online CM Loan Scheme
Eligibility Criteria CM Punjab Loan Scheme 2026
Applicants must meet the following requirements:
- Small Entrepreneurs (SEs) based in Punjab
- Age: 21 to 57 years
- Pakistani National & resident of Punjab
- Valid CNIC and mobile number registered on applicant’s name
- Existing or proposed business located in Punjab
- Clean credit history (no overdue loans)
- Satisfactory credit & psychometric assessment
- Only one application per person / business
CM Punjab Loan Usage & Repayment Details
- First 50% Limit: Available within first 6 months
- Grace Period: 3 months after card issuance
- Monthly repayment starts after grace period
- Minimum monthly payment: 5% of outstanding principal
- Second 50% Limit: Released after:
- Proper usage of funds
- Regular repayments
- Registration with PRA / FBR
Remaining balance after the first year is repaid over 2 years in EMIs.
Charges & Fees
- Processing Fee: PKR 500 (Non-Refundable)
- Annual Card Fee: PKR 25,000 + FED
- Life assurance, card issuance & delivery charges are covered by the scheme
- Late payment charges applicable as per bank policy
Security & Verification
- Digital personal guarantee by borrower
- Life assurance included
- Urban Unit conducts physical verification of business premises within 6 months and annually
How to Apply CM Punjab Loan Scheme 2026 Online
- Visit the official portal:
👉 https://akc.punjab.gov.pk/cmpunjabfinance - Click on CM Punjab Loan Scheme Apply Online
- Complete registration & login
- Submit digital application with required details
- Pay processing fee (PKR 500)
- CNIC, credit, and business verification conducted digitally
CM Punjab Loan Scheme 2026 – FAQs
1. What is the CM Punjab Loan Scheme 2026?
The CM Punjab Loan Scheme 2026, also known as the Asaan Karobar Loan Scheme, is designed to support micro and small businesses across Punjab. It provides cashless digital financing to promote entrepreneurship and business growth.
2. Who can benefit from the scheme?
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Small and micro businesses
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Home-based or small commercial setups in Punjab that comply with scheme conditions
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Entrepreneurs looking for interest-free, structured financing
3. How can I apply or check my loan status?
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Login & Apply: Through the PITB portal using your CNIC and registered mobile number
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Check Status by CNIC: Available online on the same portal
4. What is the CM Punjab Apna Ghar (Business Support) program?
This program helps applicants planning home-based or small commercial businesses in Punjab, provided their setup meets the scheme requirements.
Maryam Nawaz Loan 2026 Scheme
The CM Punjab Loan Scheme 2026 is a powerful initiative offering interest-free financing, transparent digital usage, and long-term repayment flexibility. Small entrepreneurs across Punjab are encouraged to apply online early, complete registration, and track their application status via CNIC to benefit from this landmark program.
