Asaan Karobar Card Loan Scheme
Punjab Chief Minister Maryam Nawaz Sharif has launched the Asaan Karobar Card Loan Scheme for the youth living in Punjab to start their own businesses. In which interest-free loans ranging from Rs 100,000 to Rs 1M will be provided for small businesses. Online registration for Asaan Karobar Card has started. You can complete your registration from home through the online website.
For registration, you have to go to the official website akc.punjab.gov.pk. Here you can easily complete your registration by filling out the form. This loan will be given to you in easy installments for three years. To get this loan, you must be a citizen of Punjab and your age must be between 21 and 57 years. Further, in this article, you will be given all the details of CM Punjab Karobar Card and the registration process will also be explained in detail.

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What is the Asaan Karobar Card?
The Asaan Karobar Card is a financial tool introduced to promote entrepreneurship and economic empowerment in Punjab. The program provides interest-free loans to individuals to help them establish or expand their businesses.
Key benefits include:
- Loan amounts up to 1 million PKR.
- A flexible repayment period of three years.
- Grace period of three months before repayments start.
- Digital transactions and other business-related financial facilities.
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Key Features of the Asaan Karobar Card
- Loan Limits and Tenure
- Loan amount: 100,000 to 1 million PKR.
- Tenure: Three years with revolving credit for 12 months.
- Repayment Terms
- Equal monthly installments over two years after the grace period.
- Grace period: Three months from card issuance.
- Usage of Funds
- Vendor and supplier payments.
- Utility bills, government fees, and taxes.
- Cash withdrawal (up to 25% of the limit) for miscellaneous business purposes.
- Digital transactions via POS and mobile apps.
- End-User Interest Rate
- Completely interest-free (0%).
Eligibility Criteria for the Asaan Karobar Card
To apply for the Asaan Karobar Card, you must meet the following criteria:
- Age and Residency
- Applicants must be between 21 and 57 years old.
- Must be a Pakistani national residing in Punjab.
- Business Status
- For existing or prospective businesses located in Punjab.
- Clean credit history with no overdue loans.
- Personal Requirements
- Valid CNIC and registered mobile number.
- Satisfactory credit and psychometric assessment.
- Additional Conditions
- Only one application per individual or business.
- Mandatory registration with PRA/FBR within six months of card issuance.
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Asaan Karobar Card Online Registration
The online registration process for the Asaan Karobar Card is straightforward. Follow these steps to complete your application:
Step 1: Register on the Portal
- Visit the official website: https://akc.punjab.gov.pk/userProfile/new.
- Fill in your details accurately to create an account.
Step 2: Log In
- Use your CNIC and password to log in to the portal and access the application form.
Step 3: Enter Personal Details
- Provide information such as:
- Gender, address, education level, and employment status.
- Number of dependents and residence ownership status.
Step 4: Enter Business Details
- Add business-specific information, including:
- Business nature, incorporation date, contact details, and address.
Step 5: Select Loan Details
- Specify the loan amount you need and its purpose for business development.
Step 6: Upload Documents
- Required documents include:
- CNIC (front and back).
- Copies of partners’ or directors’ CNICs (if applicable).
Step 7: Pay Processing Fee
- Submit a non-refundable fee of 500 PKR to complete the registration process.
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Loan Usage and Repayment Terms
- First 50% Usage
- Accessible within the first six months.
- Minimum monthly repayment of 5% of the outstanding loan balance.
- Second 50% Usage
- Released after satisfactory usage, regular repayments, and PRA/FBR registration.
- Grace Period
- No repayment is required for the first three months after card issuance.
- Restrictions on Funds
- Funds must be used strictly for business-related activities.
- Non-essential expenditures such as personal consumption or entertainment are blocked.
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Charges and Security Details
- Fees
- Annual card fee: 25,000 PKR + FED (deducted from the approved limit).
- Late payment charges as per the bank’s policy.
- Security
- Personal guarantee digitally signed by the borrower.
- Life assurance is included in the loan portfolio.
- Physical verification of business premises conducted by Urban Unit.
Additional Support for Applicants
- Feasibility Studies:
- Startups and new businesses can access feasibility studies on the PSIC and BOP websites.
- Advisory Services:
- Guidance on business registration and usage of funds.
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Conclusion
The Asaan Karobar Card is a visionary initiative by the Punjab government to foster entrepreneurship and economic empowerment. With its easy online registration process, interest-free loans, and transparent repayment terms, the program is a golden opportunity for individuals looking to start or grow their businesses.
If you meet the eligibility criteria, don’t miss this chance to apply for the Asaan Karobar Card. Start your journey towards financial independence and contribute to Punjab’s economic growth. Visit the official website today to complete your registration!
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FAQs
What is the Asaan Karobar Card?
The Asaan Karobar Card is a loan scheme launched by the Punjab Government to support young entrepreneurs and small business owners. It provides interest-free loans ranging from 100,000 to 1 million PKR to help start or grow businesses.
What is the maximum loan amount available under the Asaan Karobar Card?
The scheme offers loans ranging from 100,000 to 1 million PKR, depending on the applicant’s business needs.
What are the repayment terms for the Asaan Karobar Card?
The loan is repayable in easy installments over three years. Borrowers are given a three-month grace period before repayments begin, and the remaining balance is paid in equal monthly installments (EMIs).
How can I register for the Asaan Karobar Card online?
To register for the Asaan Karobar Card, visit the official website at https://akc.punjab.gov.pk. Create an account, fill in the registration form, upload required documents, and pay a non-refundable fee of 500 PKR.
Is the loan provided under the Asaan Karobar Card interest-free?
Yes, the loan is completely interest-free, making it an excellent opportunity for small business owners and entrepreneurs.
Where can I find additional support for my business under the Asaan Karobar Card?
The Punjab Government provides feasibility studies and business guidance for startups on PSIC and BOP websites. You can also contact your nearest Bank of Punjab branch for further assistance.
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