Introduction: Empowering Businesses in Punjab

Chief Minister Maryam Nawaz ne CM Punjab Asaan Karobar Finance Scheme 2025 ka aghaz kiya hai taake Punjab ke Small aur Medium Enterprises (SMEs) ko taqatwar banaya ja sake. Ye behtareen initiative un logon ke liye hai jo naya karobar start karna chahte hain, apna mojooda business barhawa dena chahte hain, ya climate-friendly projects par kaam kar rahe hain. Is scheme ke zariye bila sood karobar loan diya ja raha hai jo sirf asaani se nahi balkay barozgar bhi hai. Iska maqsad Punjab mein entrepreneurship ka farog, export ka izafa, aur rozgar ke naye moqay paida karna hai.

Key Objectives of Asaan Karobar Finance Scheme 2025

CM Punjab Asaan Karobar Finance Scheme 2025 ka maqsad hai ke chhoti aur darja-e-darmiyan ki tijaraton ko support de kar Punjab ki maashi buniyad ko mazid mazboot banaya jaaye. Neeche kuch ahem maqasid diye gaye hain jo is scheme ko mukhtalif aur pur-asar banate hain:

• Maashi Taraqqi aur Development ka Farog: Local karobaron ko raas-ul-maal de kar Punjab bhar mein maashi activity ko barhawa diya ja raha hai.
• Export aur Rozgar ka Imkaan: Scheme ka focus un industries par hai jo jobs create karti hain aur exports barhane ki salahiyat rakhti hain.
• SMEs ki Taqwiyat: Chhoti aur darja-e-darmiyan ki companies ko bara banne ke liye qarz aur madad faraham ki ja rahi hai.
• Commercial Logistics ke Liye Leasing: Commercial gaariyon aur supply chain systems ke liye asan leasing options available hain.
• Naye Startups ke Liye Funding: Jo naye log innovative business shuru karna chahte hain unko startup capital diya ja raha hai.
• Existing Karobaron ki Modernization: Mojooda business ko naye tareeqon aur technologies ke zariye upgrade karne ke liye bhi qarz diya ja raha hai.
• Climate-Friendly aur RECP Business ka Farog: Aise business jo Cleaner Production aur environment-friendly techniques istemal karte hain unko incentivize kiya ja raha hai.
• Tamam Sectors ke Liye Open: Agriculture, manufacturing, aur services jaise tamam sectors ke liye scheme open hai – khas tor par SMEs ke liye.

CM Punjab Asaan Karobar Finance Scheme ka vision hai ke ek khud-mukhtar, tajziati aur environment ko mad-e-nazar rakhte hue business ecosystem Punjab mein taraqqi kare.

🎁 Additional Incentives under Asaan Karobar Finance Scheme 2025

CM Punjab Asaan Karobar Finance Scheme 2025 ke tehat hukumat ne kuch additional incentives ka bhi elan kiya hai taake naye aur chhote karobar ko mazeed support mil sake aur unki cost kam ho:

• Rs. 5 Million Capital Subsidy for Solar Equipment & Modern Technologies: Is scheme ke zariye eligible businesses ko 5 million rupees tak ki subsidy di jaye gi jo ke solar panels, environment-friendly systems, aur nayi production technologies laganay ke liye use ki ja sakti hai.
• Non-Financial Advisory Services: Scheme mein shamil hai muft business advisory, jisme aapko planning, legal guide, market analysis aur naye small industrial estates mein business development support milay gi.
• Long-Term Lease Upto 30 Years: Naye karobar ya industrial units ke liye hukumat ne 30 saal tak ki lease ki sahulat bhi di hai, jo ke zameen khareedne ke unche kharche se bachata hai aur setup ko asaan banata hai.

Ye tamam incentives Punjab mein chhoti aur darmiyani industry ko promote karne ke liye rakhe gaye hain jisse economic growth aur employment dono barh sakei

💰 Equity Contribution & Additional Costs – Asaan Karobar Finance Scheme

CM Punjab Asaan Karobar Finance Scheme 2025 mein loan lene walon ke liye kuch equity contribution aur additional costs ke rules tay kiye gaye hain taake process transparent aur manageable ho:

✅ Equity Contribution:

• T1 (excluding leased vehicles): 0% equity required — agar aap leased commercial vehicle ke ilawa kisi aur sector mein T1 category ka loan le rahe hain to aapko koi bhi initial equity nahi deni hogi.
• Leased Commercial Vehicles: 25% equity required — leased gariyon ke liye applicant ko 25% tak ka hissa khud lagana hoga.
• Other Loans under T2: 20% equity ki zarurat hogi har aise case mein jo T2 category mein aata ho.
• Women, Transgender & Differently-Abled Individuals: In khas categories ke liye sirf 10% equity required hai — taake unhein zyada support aur asaani mil sake.

📌 Additional Costs:

• Handling Fee:
  • NIL — agar aap ek naya karobar setup kar rahe hain to kisi bhi handling charges ka samna nahi karna padega.
  • 3% per annum — ye sirf existing businesses ke liye applicable hai.
  • NIL per annum — climate-friendly businesses (T2 only) ke liye koi bhi annual cost nahi rakhi gayi.
• Other Charges:
  • Insurance, legal, aur registration charges applicant ko khud bear karne honge jo ke actual cost ke mutabiq honge.

Yeh structure is liye rakha gaya hai taake har category ko uske mutabiq support milay aur sustainable aur inclusive growth ko promote kiya ja sake.

💳 Repayment Terms & Late Charges – Asaan Karobar Card

CM Punjab Asaan Karobar Scheme ke tahat liya gaya loan barabar mahana installments (EMIs) ki shakal mein wapas kiya jata hai. Har applicant ko unke approved terms ke mutabiq repayment schedule diya jata hai.

🔁 Repayment Terms:

• Loan ki repayment barabar mahana installments mein ki jaye gi.
• Installments ki amount aur duration aap ke loan approval ke terms par depend kare gi.
• Aap ko har month apni installment time par jama karwana zaroori hai taake late fees na lagein.

⚠️ Late Payment Charges:

• Agar aap apni monthly installment time par deposit nahi karte to aap ko PKR 1 per 1000/day ke hisaab se late payment charges dene honge.
• Yeh charges sirf overdue amount par apply honge, is liye waqt par payment karna intehai zaroori hai.

Yeh repayment aur fine structure is liye banaya gaya hai taake logon mein time par repayment ka discipline barqarar rahe aur scheme ka faida zyada afrad tak pohanch sake.

 Loan Purpose and Usage

✅ New Businesses

Funding for startups to help launch and stabilize operations.

✅ Existing Businesses

Loans for business expansion, modernization, or managing working capital.

✅ Commercial Leasing

Support for logistics and transport through leasing options.

✅ RECP Technologies

Funding for green and climate-friendly initiatives under T2 loan category.

Eligibility Criteria – CM Punjab Asaan Karobar Finance Scheme 2025

To apply for the CM Punjab Asaan Karobar Loan Scheme 2025, applicants must fulfill the following conditions:

• Small Enterprises: Annual sales up to PKR 150 million
• Medium Enterprises: Annual sales between PKR 150M – PKR 800M
• Age Limit: 25 to 55 years
• Must be a resident of Punjab
• Business must be located in Punjab
• Must be an active FBR tax filer with clean credit history
• Valid CNIC and NTN
• Must own or rent the business premises

Loan Details & Tiers

Grace Period

• Startups: Up to 6 months
• Existing Businesses: Up to 3 months

Equity Contribution

• T1: 0% equity (except leased vehicles)
• Leased Vehicles: 25% equity required
• T2 Loans: 20% equity (standard cases)
• Special Discount: 10% equity for females, transgender, and differently-abled persons

Repayment Terms

• Monthly installments as per loan agreement
• Late Payment Charges: PKR 1 per 1000/day

Additional Charges

• Handling Fee:
  • 0% for new businesses
  • 3% p.a for existing businesses
  • 0% p.a for RECP / green business in T2
• Other Costs: Insurance, legal, and registration as per actual costs

Apply Process

Step 1: Click Apply Button

Sb se pehle “Apply for Assan Karobar Finance” wale button par click karein.
Phir di gayi instructions ko ghor se parhein.
Neeche diye gaye “Acknowledge & Proceed” button par click karein takay application ka process start ho sake.

Step 2: Profile Information

Is step mein apni personal details fill karni hongi:

• Applicant ka naam
• Father ya Husband ka naam
• CNIC Number
• Email Address
• Date of Birth, Age, Gender
• Agar ap kisi qisam ki disability ka shikar hain to woh bhi mention karein (CNIC par verify honi chahiye)

Uske baad apna mobile number (jo apke naam pe registered ho) aur residential address likhein.
Phir apna NTN Number, kisi political affiliation ka zikr karein aur ek strong password set karein.
Phir “Register” button par click karein aur login karein takay agla step complete ho.

Step 3: Loan Details

Login karne ke baad loan se related details fill karni hoti hain.

• Business kab start hua us ki date select karein
• Loan ka Tier select karein (Tier-1 ya Tier-2)
• Required loan amount aur loan ka tenor likhein
• Apna credit history mention karein
  Phir “Save” aur “Next” buttons par click karein.

Step 4: Business Details

Ab apko apne business ki details deni hongi:

• Business ka naam
• Business ka contact number, email address
• Employees ki tadad
• Aur baqi zaroori maloomat
  Phir “Save” aur “Next” par click karein.

Step 5: Financial Details

Is section mein aapko batana hoga:

• Business ka purpose kya hai
• Business ka nature aur legal status kya hai
• Aur mazeed related financial information
  Phir “Save” aur “Next” buttons use karein.

Step 6: References

Is step mein apko 2 references provide karne hote hain jo apke blood relatives ya next of kin na hon.
Details fill karne ke baad “Save” aur “Next” par click karein.

Step 7: Documentation

Akhri step mein aapko required documents upload karne hote hain.
Sab kuch complete karne ke baad “Submit” button par click karen takay application successfully submit ho jaye.

Message from Chief Minister Punjab

“I am proud to introduce the Asaan Karobar initiative, aimed at providing financial support to small businesses and entrepreneurs across Punjab. This program goes beyond offering loans – it’s about creating an inclusive future where everyone, regardless of gender or background, can contribute to economic growth.”
– Maryam Nawaz, Chief Minister Punjab

Application Process

🔴 Important Update: Currently, the registration of applications has been stopped.

To check the latest status and resume registration when it opens:
👉 Visit: https://akf.punjab.gov.pk/
👉 Login Portal: https://akf.punjab.gov.pk/login
👉 Profile Creation: https://akf.punjab.gov.pk/userProfile/new

CM Asaan Karobar Finance Helpline

📞 Toll-Free Number: 1786
For assistance, dial 1786 and get help related to registration, documentation, and eligibility.

Frequently Asked Questions

Conclusion

The CM Punjab Asaan Karobar Finance Scheme 2025 is a visionary step by the Punjab government to support local entrepreneurs and stimulate sustainable economic growth. By offering interest-free loans, this initiative provides real opportunities for business success, especially for startups, green ventures, and underrepresented groups.

Stay connected to updates and be ready to apply once registrations reopen!

🔗 Related Posts:

• Benazir hunarmand Program
• CM Punjab Solar Tubewell Scheme 2025