by Punjab’s Chief Minister, Maryam Nawaz, has launched the Asaan Karobar Finance and Asaan Karobar Card scheme for 2025 to empower small and medium enterprises (SMEs) with interest-free loans of up to PKR 30 million . Here’s a detailed look at the scheme and how you can apply:
📋 Eligibility Criteria
According to official sources:
- Age: Applicants must be between 21 and 57 years.
- Citizenship & Residency: Must be a Pakistani national residing in Punjab .
- Business Requirements:
- SMEs only – annual sales up to PKR 150 million (small), or between 150M–800M (medium) .
- Must be registered with FBR/PRA and be a tax filer, with a clean credit history.
- A valid CNIC, mobile number, and proof of business premises are required.
💰 Loan Amount & Fees
- Tier 1: PKR 1M–5M; processing fee PKR 5,000.
- Tier 2: PKR 6M–30M; processing fee PKR 10,000.
- Interest Rate: 0% – complete interest-free funding .
⏳ Loan Structure & Usage
- Grace Period: 3–6 months before repayments begin, depending on business type .
- Repayment Term: Up to 5 years, with equal monthly instalments .
- Usage: Funds can be used for:
- Vendor payments
- Utility bills
- Government fees
- Up to 25% cash withdrawal from the limit.
- Requirement: Must register with PRA/FBR within 6 months of receiving the card.
📝 Application Process (Fully Digital)
Steps to apply:
- Visit the official portal: or PITB portal .
- Register using your CNIC and mobile number.
- Upload required documents:
- CNIC and photo
- Proof of residency and business registration (NTN, FBR/PRA)
- Tax registration certificate
- Business income/expense records
- Proof of premises (rent agreement or ownership).
- Submit and pay the applicable fee (5k or 10k PKR).
- Track your application via SMS alerts and portal updates .
Processing is fast—usually within 15 minutes if documentation is complete
CM Punjab Asana Karo bar Card 2025 Online Application, Eligibility & Benefits July.
✅ Key Benefits
- 0% interest makes capital affordable.
- No collateral required.
- Digital SME card ensures transparency and ease of management.
- Business support and development services to boost growth.
🔍 July Update & Deadlines
- Portal open: The 2025 scheme continues accepting applications throughout July.
- Funds still available: Based on media reports, a fresh allocation for SMEs makes now an ideal time to apply .
- Deadline: No fixed cut-off announced, but early applications are encouraged as funds are limited.
🎯 Final Take
The Asaan Karobar Card 2025 is an outstanding opportunity for Punjab-based SMEs—especially new startups—to access interest-free financing and business tools. With a user-friendly digital process, minimal eligibility barriers, and no collateral needed, it’s a game-changer for entrepreneurial growth in the province.
🔗 How to Get Started
- ✅ Visit akc.punjab.gov.pk
- ✅ Register with CNIC + mobile
- ✅ Upload required documents + pay processing fee
- ✅ Track your application and start using the funds!
