Apply for CM Punjab Asaan Karobar Card 2025 – Interest-Free Loan for Small Businesses
The CM Punjab Asaan Karobar Card 2025 is a flagship initiative by the Government of Punjab to support youth entrepreneurs and small businesses. The program provides interest-free digital loans and accessible financing to individuals looking to start or grow their businesses in the province.
This guide explains everything you need to know about the scheme — from eligibility and features to the official online application process.
What Is the CM Punjab Asaan Karobar Card?
The Asaan Karobar Card is part of Punjab’s broader economic empowerment plan aimed at uplifting Small and Medium Enterprises (SMEs). It is designed to simplify business financing by offering a digital card-based loan system, with zero interest and flexible repayment terms.
This scheme is being implemented by the Punjab Small Industries Corporation (PSIC) in collaboration with The Bank of Punjab (BOP).
Key Features of the Asaan Karobar Scheme (2025)
The program offers two tiers of financial support, depending on the applicant’s business size and funding needs.
WhatsApp Channel| Feature | Asaan Karobar Card (Tier 1) | Asaan Karobar Finance (Tier 2) |
| Purpose | Digital card for micro and small entrepreneurs | Financing for medium-sized or expanding businesses |
| Loan Amount | Up to PKR 1 Million | From PKR 1 Million to PKR 30 Million |
| Interest Rate | 0% (Interest-Free) | 0% (Interest-Free) |
| Repayment Period | Up to 3 Years | Up to 5 Years |
| Partner Institutions | PSIC and Bank of Punjab | PSIC and Bank of Punjab |
The Karobar Card works like a preloaded debit card, enabling small entrepreneurs to withdraw or spend amounts for business expenses with complete digital traceability.
Who Is Eligible for the Asaan Karobar Card?
To apply for this scheme, applicants must meet the following eligibility criteria:
- Residency: Must be a resident of Punjab (verified by CNIC)
- Age: Generally between 25 and 55 years (may be 18–50 for smaller loans)
- Tax Status: Must be an active filer registered with FBR (holding a valid NTN)
- Credit History: Must have a clean credit profile as per e-CIB
- Business Purpose: Can apply for a new business, expansion, or modernization
- Inclusivity: Special quotas are available for women, transgender persons, and differently-abled applicants, often with reduced equity contribution requirements
How to Apply Online for the Karobar Card (2025)
Eligible applicants can submit their requests through the official government portal created for this scheme.
Step-by-Step Online Application Process
- Visit the Official Portal
Access the Punjab Government’s portal:
https://akc.punjab.gov.pk/landing - Create an Account or Login
If you’re a new user, you’ll need to create an account. Returning users can use the login interface:
https://akc.punjab.gov.pk/adminlogin - Complete the Application Form
Fill in your personal and business details, including:- CNIC
- Age
- Business name, type, and location
- Loan amount request
- Purpose of loan
- Upload Required Documents
Required documents usually include:- Valid CNIC (front & back)
- FBR-verified NTN certificate
- Business Plan or Feasibility Report
- Proof of address (utility bills, rent agreement)
- Business registration (if applicable)
- Pay Application Fee
A non-refundable processing fee (e.g., PKR 5,000 for Tier 1) may be required at submission. - Await Verification
The Bank of Punjab and PSIC will conduct due diligence, including credit checks and site verification. - Track Application Status
Log in to your account to monitor updates and final approval. Approved applicants will receive confirmation along with card issuance instructions.
Benefits of the Asaan Karobar Card
- No markup or interest
- Digital loan disbursement through secure channels
- Prepaid card functionality for ease of spending
- Government-backed verification, making it safer for lenders and borrowers
- Encourages financial transparency and traceability
Final Words
The CM Punjab Asaan Karobar Card is a transformative step toward financial inclusion, job creation, and SME growth in Punjab. By offering interest-free loans through a streamlined digital platform, the government aims to empower youth and small business owners in a sustainable way.
If you’re ready to grow your business or launch a new venture, now is the time to act. Visit the official portal, gather your documents, and apply online today.
FAQs
1. Who can apply for the Asaan Karobar Card?
Any resident of Punjab aged between 25 and 55 years (or 18–50 for small loans) with a valid CNIC and clean credit history can apply.
2. Is the Asaan Karobar Card interest-free?
Yes, both Tier 1 and Tier 2 financing options offer 0% interest (interest-free loans).
3. What is the maximum loan amount available?
Under Tier 1, applicants can receive up to PKR 1 million. Tier 2 offers PKR 1 million to PKR 30 million.
4. Do I need to be an FBR tax filer?
Yes, applicants must be active tax filers with a valid NTN to qualify.
5. Can I apply for funding for a new startup?
Yes, the scheme supports both new business startups and expansion of existing businesses.
6. How do I apply online for the Karobar Card?
Visit the official portal: https://akc.punjab.gov.pk, create an account, fill the form, upload documents, and pay the processing fee.
7. Is there any special quota for women or differently-abled persons?
Yes, the scheme provides special quotas and lower equity requirements for women, transgender, and differently-abled applicants.
