CM Punjab Asaan Karobar Card 2025 – Interest-Free Loans for Small Business Owners
The CM Punjab Asaan Karobar Card 2025 is a new initiative under the Punjab government’s vision to empower small and medium entrepreneurs across the province. The scheme provides interest-free loans up to Rs. 1 million through a digital SME card, allowing business owners to manage payments, pay bills, and grow their businesses efficiently through mobile apps and POS systems.
What is the Asaan Karobar Card?
The Asaan Karobar Card is not just another loan program — it’s a complete digital financial support system. Through this card, eligible business owners can access revolving credit, make vendor payments, pay utility bills, and withdraw a limited amount in cash for business needs. All transactions are tracked digitally to ensure transparency and proper utilization of funds.
How to Apply for CM Punjab Asaan Karobar Card
The government has made the entire process digital and paperless to ensure ease and transparency. Here’s how you can apply:
- Visit the official portal: Go to https://akc.punjab.gov.pk/cmpunjabfinance.
- Register online: Create your account by entering your CNIC, email, and mobile number.
- Fill in your business details: Add information about your business, nature of work, and location.
- Pay the processing fee: Submit a non-refundable Rs. 500 fee through the available online payment method.
- Digital verification: Your CNIC, business address, and credit profile will be verified by authorized agencies.
- Approval and issuance: Once approved, your Asaan Karobar Card will be issued and activated through a partner bank.
All verifications and approvals are completed online, with status updates available through SMS or email.
Eligibility Criteria
To apply for the Asaan Karobar Card, applicants must meet the following conditions:
WhatsApp Channel- Age between 21 and 57 years.
- Must be a Pakistani citizen residing in Punjab.
- Have a valid CNIC and registered mobile number.
- Own or plan to start a business in Punjab.
- Pass the creditworthiness and psychometric assessment.
- Only one application per person or business is allowed.
- Must have a clean credit history with no overdue loans.
Within six months of receiving the card, every applicant must also register their business with PRA or FBR to continue using the facility.
Loan Usage and Repayment Structure
The loan amount under the Asaan Karobar Card is released in two phases to promote responsible usage:
- First 50% Limit: Available immediately for 6 months.
- Second 50% Limit: Released after 6 months based on satisfactory repayment and PRA/FBR registration.
- Grace Period: 3 months after card issuance before repayments start.
- Minimum Monthly Payment: 5% of the outstanding balance.
- Repayment Period: 24 months for the remaining balance.
Borrowers can use the funds for vendor payments, utility bills, taxes, and digital transactions through POS and mobile apps. Non-business transactions such as entertainment or personal expenses are restricted.
Security and Verification Process
To ensure safe lending and accountability, several checks are built into the program:
- Personal guarantee is digitally signed by the borrower.
- Life assurance is included for all participants.
- Urban Unit verifies business premises physically within six months of approval and annually thereafter.
These safeguards ensure that loans are used solely for business growth and sustainability.
Additional Support and Feasibility Help
To assist new entrepreneurs and startups, the Punjab Small Industries Corporation (PSIC) and Bank of Punjab (BOP) have uploaded sample feasibility studies on their websites. Applicants can use these documents to understand budgeting, market trends, and business planning before applying.
Registration Deadline
The registration deadline for the 2025 scheme has already closed on June 1, 2025, as announced in August 2025. However, those who missed the opportunity should keep visiting the official AKC portal and Digital Youth Hub for updates on the next phase expected in 2026.
Key Features of CM Punjab Asaan Karobar Card
| Feature | Details |
| Maximum Loan Limit | Up to PKR 1,000,000 |
| Loan Type | Revolving credit facility (12 months) |
| Tenure | 3 years total |
| Grace Period | 3 months after card issuance |
| Repayment | 24 equal monthly installments |
| Cash Withdrawal Limit | Up to 25% of credit limit |
| End-User Interest Rate | 0% (interest-free) |
| Processing Fee | Rs. 500 (non-refundable) |
| Annual Card Fee | Rs. 25,000 + FED (deducted from limit) |
This makes it one of the most supportive business financing schemes in Pakistan, especially for new entrepreneurs, startups, and small traders who struggle with high-interest bank loans.
Common Issues and Solutions
- Application not showing on portal? Try again later or check internet connection.
- Document upload failed? Compress files below 2MB or use JPEG/PDF format.
- SMS not received after submission? Wait 48 hours; confirmation may take time due to high traffic.
Conclusion
The CM Punjab Asaan Karobar Card 2025 is a major step toward supporting small business owners and freelancers through interest-free loans and digital business recognition. Whether you’re running a small shop in Lahore, a startup in Multan, or a freelance setup in Faisalabad, this scheme can help you grow your income and business reach.
If you’re eligible, visit the PSIC portal today, apply online, and take the first step toward becoming a financially independent entrepreneur in Punjab.
Frequently Asked Questions (FAQs)
Q1. Is the loan completely interest-free?
Yes, there’s no interest charged — only minimal processing and card fees apply.
Q2. Can I apply if I have an existing business loan?
No, you must have a clean credit history without overdue payments.
Q3. What if my business is unregistered?
You can apply, but registration with PRA/FBR is mandatory within six months.
Q4. How will I receive the card?
After approval, the card will be issued through a partner bank and delivered via courier or bank branch.
Q5. When will new applications open?
Next phase of the scheme is expected to launch in 2026, as per Punjab government announcements.
