The Asaan Karobar Loan Scheme 2026 For Asaan Karobar Program, launched by the Government of Punjab under the leadership of the Chief Minister, is a flagship initiative aimed at promoting entrepreneurship, small businesses, and self-employment across the province. Through the CM Punjab Asaan Karobar Finance Scheme, eligible individuals can access easy, affordable financing, interest-free or low-markup loans, and digital facilities via the Asaan Karobar Card to start or expand their businesses.
This Scheme For Asaan Karobar Loan 2026 is especially designed for youth, women, small traders, shop owners, and startups who face financial barriers in accessing traditional bank loans.
Asaan Karobar Loan Scheme 2026 Apply Online Asaan Karobar Card Login
The Asaan Karobar Finance Scheme offers interest-free loans up to PKR 1 million through a digital SME card to support small entrepreneurs across Punjab. With a 3-year tenure, revolving credit for the first year, and 0% interest, the scheme ensures transparent, cashless business transactions via mobile apps and POS.
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
CM Punjab Asaan Karobar Card
Funds can be used for vendor payments, utilities, taxes, and limited cash withdrawal, while repayments begin after a 3-month grace period, making it a secure and accessible solution for starting or expanding businesses in Punjab.
Asaan Karobar Finance Scheme 2026
| Category | Details |
|---|---|
| Scheme Overview | Interest-free loan for small entrepreneurs in Punjab via a digital SME card with transparent, cashless usage |
| Maximum Loan Limit | PKR 1,000,000 |
| Loan Tenure | 3 Years |
| Loan Type | Revolving credit facility (first 12 months) |
| Repayment Term | 24 equal monthly installments (EMIs) after first year |
| Grace Period | 3 months from card issuance |
| Interest Rate | 0% (Interest-Free) |
| Usage Allowed | Vendor & supplier payments, utility bills, government fees & taxes, POS & mobile app transactions |
| Cash Withdrawal | Up to 25% of approved limit (business purposes only) |
| Eligibility – Age | 21 to 57 years |
| Eligibility – Residency | Pakistani national, resident of Punjab |
| Business Requirement | Existing or prospective business located in Punjab |
| CNIC & Mobile | Valid CNIC and mobile number registered in applicant’s name |
| Credit Status | Clean credit history, satisfactory credit & psychometric assessment |
| Application Limit | One application per individual/business |
| How to Apply | Online via PITB portal |
| Processing Fee | PKR 500 (Non-refundable) |
| Verification | Digital CNIC, credit, and business premises verification by authorized agencies |
| First 50% Limit | Available for use within first 6 months |
| Second 50% Limit | Released after proper usage, regular repayments & PRA/FBR registration |
| Minimum Monthly Payment | 5% of outstanding principal after grace period |
| Repayment Method | Remaining balance repaid over 2 years in EMIs |
| Annual Card Fee | PKR 25,000 + FED (recovered from approved limit) |
| Additional Charges | Life assurance, card issuance & delivery covered by scheme |
| Late Payment Charges | As per bank’s policy / schedule of charges |
| Security | Digital personal guarantee + life assurance |
| Physical Verification | Conducted by Urban Unit within 6 months & annually |
| Key Conditions | Funds restricted to business use; non-business transactions blocked |
| Mandatory Registration | PRA/FBR registration within 6 months |
| Additional Support | Feasibility studies available on PSIC & BOP websites |
| Helpline | 1786 |
| Official Website | https://akc.punjab.gov.pk/cmpunjabfinance |
⚠️ The Asaan Karobar Finance Scheme 2026 is designed to empower small entrepreneurs in Punjab through easy, transparent, and fully digital interest-free financing.
Asaan Karobar Finance Scheme
The Asaan Karobar Finance Scheme is a government-backed loan facility that provides financial support to small and medium entrepreneurs (SMEs). The scheme ensures transparent, quick, and hassle-free access to business loans through a simple online application process.
Loan Asaan Karobar Released By Punjab Government
- Promote small and medium businesses
- Reduce unemployment through self-employment
- Support startups and existing businesses
- Encourage financial inclusion
- Strengthen Punjab’s local economy
Asaan Karobar Scheme 2026
- ✅ Easy online application
- ✅ Low-markup / interest-free loans
- ✅ Flexible repayment plans
- ✅ Digital Asaan Karobar Card
- ✅ Transparent verification system
- ✅ Government-backed security
Asaan Karobar Loan Details
Under the Asaan Karobar Loan, applicants can receive financing for:
- Shop setup or expansion
- Small manufacturing units
- Trading businesses
- Service-based startups
- Agriculture-related small enterprises
Loan amounts, markup rates, and tenure vary based on business type and eligibility.
Apply Online
Asaan Karobar Finance Scheme Calculator
The Asaan Karobar Finance Scheme Calculator helps applicants estimate:
- Loan amount
- Monthly installment
- Repayment duration
- Applicable markup (if any)
This tool is available on the official portal to help applicants plan their finances before applying.
Asaan Karobar Program 2026 Eligibility Criteria
To apply for the Asaan Karobar Program, applicants must:
- Be a Pakistani citizen
- Be a resident of Punjab
- Have a valid CNIC
- Be aged 21 to 55 years
- Have a viable business idea or existing business
- Not be a defaulter of any bank
- Meet basic credit and verification requirements
Special consideration is often given to:
- Youth
- Women entrepreneurs
- Disabled persons
- Small traders
How to Apply Online For Asaan Karobar Finance Scheme 2026
Step 1: Online Registration
Visit the official Asaan Karobar Finance Scheme apply online portal and create an account using:
- CNIC
- Mobile number
- Email address
Step 2: Login to Portal
Use Asaan Karobar Finance login to access your dashboard.
Step 3: Fill Application Form
Provide:
- Personal details
- Business details
- Loan amount required
- Supporting documents
Step 4: Submit Application
After submission, your application goes through verification and approval stages.
Asaan Karobar Card Online Apply
The Asaan Karobar Card is a digital/physical card issued to approved applicants. It allows beneficiaries to:
- Access loan funds
- Track loan usage
- Make business-related transactions
- Ensure transparent fund utilization
Asaan Karobar Card Login
Approved users can log in to their account using Asaan Karobar Card Login to manage transactions and repayment details.
Asaan Karobar Card Status Check
Applicants can check:
- Application status
- Card issuance status
- Loan approval progress
through the Asaan Karobar Card status check option on the portal.
CM Punjab Asaan Karobar Finance Scheme Benefits
- Financial empowerment for small businesses
- Easy access to capital
- Reduced dependency on informal loans
- Transparent and digital process
- Support for economic growth
Why Apply For Asaan Karobar Program 2026?
The Asaan Karobar Scheme 2026 is a golden opportunity for individuals who want to become self-reliant, start their own business, or grow an existing one. With government support, easy financing, and a digital system, this program removes traditional barriers to entrepreneurship.
Asaan Karobar Program 2026
The Asaan Karobar Program 2026 and Asaan Karobar Finance Scheme represent a major step toward empowering entrepreneurs in Punjab. With simple online registration, accessible loans, and the innovative Asaan Karobar Card, the scheme is set to transform small businesses and create sustainable economic opportunities.
👉 Interested applicants are advised to apply online, use the finance calculator, and regularly check their application and card status through the official portal to stay updated.
