CM Punjab Asaan Karobar Card 2025 – Apply Online via akc.punjab.gov.pk

Are you a small business owner or aspiring entrepreneur in Punjab struggling to grow your business due to lack of funds? The Punjab government has launched an incredible initiative – the CM Punjab Asaan Karobar Card. This interest-free loan scheme is designed to empower small and medium-sized enterprises (SMEs) across the province. With up to PKR 1 million in funding and easy repayment terms, this card could be the financial boost your business needs.

What is CM Punjab Asaan Karobar Card?

The CM Punjab Asaan Karobar Card is a flagship program launched in 2025 under the leadership of Chief Minister Maryam Nawaz. It aims to offer interest-free loans to small business owners, allowing them to expand, manage cash flow, or even start a new venture. With this card, business owners can access funds digitally and use them for essential operations such as paying suppliers, utility bills, and other official expenses.

Key Features of Asaan Karobar Card

• Loan limit up to PKR 1,000,000
• 100% interest-free financing
• 3-month grace period from the date of issuance
• Repayment in 24 monthly installments
• Digital transactions for vendors, suppliers, utility bills, and government dues
• 25% withdrawal limit for miscellaneous cash needs
• Card validity for 3 years
• Available only for residents of Punjab

Who Can Apply?

To qualify for the Asaan Karobar Card, you must meet the following criteria:

• Age between 21 and 57 years
• Must be a Pakistani national with valid CNIC
• Should reside in Punjab province
• Must have a registered mobile number in own name
• Clean credit history with no overdue or defaulted loans
• Must register with FBR or PRA within 6 months of card issuance
• Should own or plan to start a business within Punjab

How to Apply Online for Asaan Karobar Card

Here’s a step-by-step guide to apply for the CM Punjab Asaan Karobar Card:

Step 1: Visit the Official Portal

Go to https://akc.punjab.gov.pk

Step 2: Register Your Account

If you are a new user, click on Register Now and fill in your details. Existing users can log in directly.

Step 3: Complete the Application Form

Provide your personal, financial, and business details in the digital form.

Step 4: Submit Required Documents

Upload necessary documents such as CNIC, business registration (if available), and any supporting documents.

Step 5: Pay the Processing Fee

Deposit the non-refundable processing fee of PKR 500 through the designated payment method.

Step 6: Wait for Verification

After submission, the authorities will verify your credit history, business location, and eligibility.

Costs and Fees

• Processing Fee: PKR 500 (non-refundable)
• Annual Card Fee: PKR 25,000 + FED (deducted from the approved loan amount)

Where to Use the Card?

The card is primarily used for:

• Paying vendors and suppliers
• Utility bill payments
• Government dues and taxes
• Limited cash withdrawal (up to 25% of credit limit)

FAQs

Q1. Can I apply if I don’t own a business yet?

Yes, the card is available for aspiring entrepreneurs as well. However, you must begin the business within Punjab.

Q2. Is the loan really interest-free?

Yes, it is completely interest-free with no hidden charges except for the standard card and processing fees.

Q3. Can I use the card outside Punjab?

The card is issued for use within Punjab only.

Q4. What if I fail to repay the loan?

Failure to repay can impact your credit history and disqualify you from future government schemes.

Q5. Is there any training or support available for new entrepreneurs?

Yes, business plan templates and feasibility studies are available on the official websites of PSIC and the Bank of Punjab.

The CM Punjab Asaan Karobar Card is a golden opportunity for entrepreneurs and small business owners to secure interest-free funding without the hassle of complicated bank procedures. Whether you’re starting fresh or scaling an existing business, this initiative can help you achieve financial freedom and business success.

👉 Don’t wait! Visit akc.punjab.gov.pk today and apply online for the Asaan Karobar Card.

Have questions or need help filling the form? Drop your queries in the comments or reach out to us—we’re here to help!