Asan Karobar Finance Phase 2 – Introduction
Asan Karobar Finance Phase 2 ka aghaz Punjab ke chhote aur darmiyani karobari tabqay (SMEs) ko support dene ke liye kiya gaya hai. Phase 1 (T1) officially close kar diya gaya hai (Temporary) aur ab sirf Phase 2 (T2) open hai. Ye scheme sirf ek loan program nahi balkay ek interest-free financing solution hai jo startups, existing businesses, aur climate-friendly projects ko empower karta hai.
Lekin Phase 2 ko samajhne se pehle zaroori hai ke hum thoda sa Phase 1 (T1) ko samajh lein.
Table of Contents
Phase 1 (T1) – Short Overview
Phase 1 yani T1 category un applicants ke liye thi jahan Rs. 1M – 5M tak ka loan personal guarantee ke against milta tha. Isme:
- Equity Contribution: 0% (except leased vehicles jahan 25% equity required thi).
- Tenure: 5 saal tak.
- Markup: 0% yani bilkul interest-free loan.
Ye phase SMEs aur startups ke liye ek bht bada mauqa tha. Lekin ab ye band ho chuka hai, aur ab sirf Phase 2 yani T2 available hai.
Asan Karobar Finance Phase 2 (T2) – Key Highlights
Ab jo phase open hai woh T2 hai, aur isi ko “Phase 2” kaha ja raha hai. Isme sari terms aur conditions lagbhag Phase 1 jaisi hi hain, bas loan amount aur security structure thoda different hai.
T2 Loan Details
| Category | Loan Amount | Security | Tenure | Markup | Processing Fee |
| T2 | Rs. 6M – 30M | Secured Loan | 5 Years | 0% | Rs. 10,000 |
T2 Equity Contribution Rules
- General Cases: 20% equity required.
- Females, Transgender, Differently-Abled: Sirf 10% equity.
- Climate-Friendly Businesses: Extra incentives aur 0% annual cost.
Iska matlab ye hai ke Phase 2 (T2) zyada bade aur growth-oriented businesses ko support kar raha hai jo apne operations expand karna chahte hain.
Key Objectives – CM Punjab Asan Karobar Finance Scheme 2025
Is scheme ka asal maqsad Punjab ke business ecosystem ko mazboot karna hai. Kuch major objectives yeh hain:
- Maashi Taraqqi ka Farog: SMEs ko financing de kar local economy ko barhawa dena.
- Exports aur Jobs Creation: Industries ko support jo rozgar aur exports barhati hain.
- Startups ki Funding: Naye ideas ko support karna.
- Modernization of Businesses: Purane karobaron ko naye technologies se upgrade karna.
- Green aur Climate-Friendly Businesses ko Promote karna.
- Open for All Sectors: Agriculture, Manufacturing, Services – sab included.
Additional Incentives – Asan Karobar Finance Phase 2
- ✅ Rs. 5 Million Subsidy – Solar equipment aur modern technologies install karne ke liye.
- ✅ Free Business Advisory – Planning, legal, aur market support ke liye.
- ✅ Long-Term Lease (30 Years) – Land purchase ke high cost se bachne ke liye.
Equity Contribution & Additional Costs – Phase 2
Equity Contribution Rules
- Leased Vehicles: 25% equity required.
- T2 Loans (General): 20% equity required.
- Special Categories (Women, Transgender, Differently-Abled): 10% equity required.
Additional Costs
- Handling Fee:
- 0% for new businesses.
- 3% per annum for existing businesses.
- 0% per annum for climate-friendly businesses.
- Other Costs: Insurance, legal, aur registration applicant khud bear karega.
Repayment Terms & Late Charges
- Repayment Equal Monthly Installments (EMIs) me hogi.
- Grace Period:
- Startups: 6 months tak.
- Existing Businesses: 3 months tak.
- Late Payment Fine: Rs. 1 per 1000 per day (sirf overdue amount par).
Loan Purpose & Usage
- ✅ New Businesses: Startups ke liye funding.
- ✅ Existing Businesses: Expansion aur modernization ke liye.
- ✅ Commercial Leasing: Transport aur logistics ke liye.
- ✅ RECP Technologies: Green aur environment-friendly projects ke liye.
Eligibility Criteria – Phase 2
Applicants ko in shara’it par fulfill karna zaroori hai:
- Small Enterprises: Annual sales upto PKR 150M.
- Medium Enterprises: PKR 150M – 800M.
- Age Limit: 25 – 55 years.
- Punjab resident + Punjab me business location.
- Active FBR tax filer with clean credit history.
- Valid CNIC & NTN.
- Business premises owned ya rented hone chahiye.
Application Process – Asan Karobar Finance Phase 2
🔴 Important Update: Filhal applications ka registration temporarily stop hai.
Jaise hi dobara open hoga, applicants ko neeche diye gaye links use karna honge:
👉 Official Website
👉 Login Portal
👉 Profile Creation
Helpline
📞 Toll-Free Number: 1786
Applicants documentation, eligibility, ya registration ke liye direct helpline se guide le sakte hain.
Conclusion
Asan Karobar Finance Phase 2 SMEs aur entrepreneurs ke liye ek golden opportunity hai. Phase 1 (T1) band ho chuka hai, lekin Phase 2 (T2) ke zariye ab bhi aap interest-free loans, subsidy, aur advisory support le kar apna karobar grow kar sakte hain. Ye scheme specially startups, climate-friendly businesses aur inclusive growth (women, transgender, differently-abled) ke liye design ki gayi hai.
👉 Latest updates aur details ke liye regularly visit karein: Apni Zameen Apna Ghar
FAQs – Asan Karobar Finance Phase 2
What is Asan Karobar Finance Phase 2?
Asan Karobar Finance Phase 2 is the second phase of the CM Punjab loan scheme where Tier-2 (T2) loans are open, offering interest-free financing for SMEs and startups in Punjab.
What happened to Phase 1 (T1)?
Phase 1 (T1) is officially closed (Temporary). Now only Phase 2 (T2) loans are available with amounts ranging from Rs. 6M – Rs. 30M.
Is the loan really interest-free in Phase 2?
Yes, the scheme provides 0% markup loans with equal monthly installments, making it completely interest-free.
Who is eligible for Asan Karobar Finance Phase 2?
Small and Medium Enterprises (SMEs) in Punjab with annual sales between PKR 150M – 800M, applicants aged 25–55, clean credit history, and valid NTN/CNIC are eligible.
What is the equity contribution required?
General applicants: 20% equity
Women, transgender, differently-abled: 10% equity
Leased vehicles: 25% equity
What additional incentives are included in Phase 2?
The scheme offers up to Rs. 5M subsidy for solar and modern technology, free business advisory services, and long-term land lease up to 30 years.
What are the repayment terms?
Repayment is done through equal monthly installments (EMIs) with a grace period of 6 months for startups and 3 months for existing businesses.
What happens if I delay my loan payment?
Late payment charges are Rs. 1 per 1000 per day, applied only on the overdue amount.
How can I apply for Asan Karobar Finance Phase 2?
You can apply online through the official portal https://akf.punjab.gov.pk/ once registration reopens.
Where can I get help for registration or eligibility issues?
You can call the official helpline at 1786 for free assistance related to eligibility, documentation, or the application process.
