CM Punjab Asaan Karobar Card 2025

The Government of Punjab has introduced the “CM Punjab Asaan Karobar Card” scheme in 2025 to support small business owners with interest-free loans and digital business tools.

Name of Programme	Start Date	End Date	Amount of Assistance	Method of Application
CM Punjab Asaan Karobar Card 2025	Announced early 2025 (applications opened)	Phase-wise / some deadlines already passed	Up to PKR 1,000,000 (for small entrepreneurs)	Online via official portal (digital)

What is the Asaan Karobar Card?

The “Asaan Karobar Card” is a scheme by the Punjab Government to offer interest-free loans to small businesses and entrepreneurs in Punjab. Through this card you receive a digital SME card which gives you access to credit, vendor and supplier payments, utility bills, POS/mobile transactions and some cash withdrawals — all in a digitised way.
It is not just a loan, but a full digital support system: you get the card, you can pay your business expenses through it, you repay over time, and you grow your business.

Eligibility Criteria – Who can apply?

To apply you must meet certain conditions:

Be a Pakistani citizen residing in Punjab.
Be between age 21 to 57 years (some sources say 21-57) for the SME-card version.
Have a valid CNIC and a mobile number registered in your name.
Own or plan to start a business located in Punjab.
Have a clean credit history (i.e., no overdue loans).
Only one application per person or business allowed.
These conditions help ensure the loan reaches deserving small entrepreneurs.

Loan Usage & Repayment Structure

How much can you get?

Up to PKR 1,000,000 for the “Card” version for small entrepreneurs.
For medium enterprises under the “Asaan Karobar Finance” scheme (related but broader) the limits are much higher — up to PKR 5 million or more.

How it works

The loan is interest-free (0% end-user interest rate) for the specified limit.
Grace period: No repayments for the first 3 months from card issuance (for the Card version).
After that you pay monthly installments; initially a minimum 5% of outstanding balance (for the card version) during the first year.
The remaining balance is repaid in equal monthly installments over a 2 years after the first year (for the card version) — making total tenure around 3 years for that version.
Usage restrictions: The loan must be used for business purposes — vendor/supplier payments, utility bills, taxes, POS/mobile transactions. Cash withdrawal is allowed up to some percentage (e.g., 25%) of limit for business use.

How to Apply (Online)

Visit the official portal (for example: akc.punjab.gov.pk or through the Punjab Government’s Asaan Karobar Card application link).
Register by entering your CNIC, mobile number, email and business details (or planned business details if new).
Pay any required processing fee (for example as per some sources fee is PKR 500 for the card version) before submission.
Upload required documents: CNIC, proof of business or plan, credit history, etc.
Wait for digital verification: CNIC verification, credit assessment, business premises verification (for existing business) may follow.
Upon approval, card issued by partner bank, your business account enabled, you receive notifications.

Required Documents & Verification

You will need:

Valid CNIC
Mobile phone number in your name
Business address/plan (for startup) or existing business proof
Clean credit history or verification
Registration with PRA or FBR may be required within a timeframe in some cases.
Also, a personal guarantee may be digitally signed, business premises may be physically verified by the “Urban Unit” or other agency.

Key Features & Fees

Interest rate: 0% for the eligible small business card version.
Maximum limit: Up to PKR 1,000,000 for card version.
Usage restricted to business-related transactions.
Annual card fee for card version: PKR 25,000 + FED (deducted from the approved limit) in some cases.
Late payment penalties apply as per bank policy.

Important Conditions & Notes

Within a few months of getting the card, business registration with PRA (Punjab Revenue Authority) or FBR might become mandatory.
Non-business usage (personal consumption, entertainment) is strictly not allowed. Funds must be used for business growth.
Verification processes (credit, psychometric) must pass for approval.
The scheme may have had application deadlines for certain phases, so new applicants should check the official portal for updated timing.

Benefits of the CM Punjab Asaan Karobar Card 2025

Small entrepreneurs get access to interest-free credit, which is rare in conventional business loans.
Digital SME card gives flexibility: pay suppliers, vendors, utility bills, expand business, go online.
Makes it easier for startups and existing businesses to scale without heavy interest burden.
Encourages formalisation of business, registration with tax authorities, promotes transparency.
A strong step by Punjab Government to support SMEs and boost economic activity.

Current Status & Updates (2025)

As of 2025, the scheme details are active on official Punjab government portals. The card version for small entrepreneurs (up to PKR 1 million) is clearly defined; the related “Asaan Karobar Finance” scheme covers larger SMEs with higher limits. Applicants should check the portal for the latest open registration cycle because phases may vary.

(FAQs)– CM Punjab Asaan Karobar Card 2025

Is the loan really interest-free?

Yes — for the Card version, the scheme offers 0% interest for eligible applicants.

Can I apply if my business is not yet registered?

Yes, if you plan to start a business in Punjab and meet eligibility, you can apply — but business registration (PRA/FBR) may become mandatory within a defined period.

What happens if I default on monthly repayments?

Late payment charges will apply, card fees may be deducted, your credit record may be affected.

Can the card be used for personal expenses?

No — the funds are meant only for business-related usage: vendor payments, utilities, digital transactions, etc.

. Is there a limit on how many times one can apply?

Yes — usually one application per person or business is allowed.

Final Thoughts

The “CM Punjab Asaan Karobar Card 2025” is a major opportunity for entrepreneurs in Punjab to grow their business without the heavy burden of interest. By up to PKR 1 million loan at 0% interest (for eligible small entrepreneurs), digital SME card, flexible usage, and a structured repayment plan — it brings real financial authorization.
If you have a commercial or plan to start one in Punjab, check your eligibility, gather your leaflets, visit the official portal, and apply. This could be your chance to alter your business and income.