A Message from Chief Minister Punjab
Mujhe buhat khushi hai ke Punjab ke chhote aur darmiyani darjay ke karobari afraad ke liye Asan Karobar Card ka aghaaz kiya gaya hai. Ye scheme sirf ek financial tool nahi, balkay ek naya safar hai un logon ke liye jo apna business barhane aur economy mein apna hissa dalne ka jazba rakhte hain.
Yeh program transparent aur digital platforms ke zariye chalayaa ja raha hai jahan small entrepreneurs ko 10 lakh PKR tak ka interest-free loan diya jaayega. Is se na sirf naye business ka aghaaz hoga, balkay mojooda businesses ko expand karne ka moka milega. Main har deserving entrepreneur ko dawat deta hoon ke wo is initiative ka hissa banein aur apna mustaqbil roshan karein.
— Maryam Nawaz, Chief Minister Punjab
Table of Contents
What is Asaan Karobar Card?
Asaan Karobar Card aik revolutionary initiative hai jo CM Punjab Maryam Nawaz ne launch kiya hai taake chhote karobari logon ko financial support mil sakay. Iss scheme ke tehat aapko milta hai interest-free loan up to PKR 10 lakh (1 million) jo ke digital SME card ke zariye diya jata hai.
Yeh program specially design kiya gaya hai un small entrepreneurs ke liye jo apna existing business grow karna chahte hain ya naya business start karna chahte hain.
Key Features of Asan Karobar Card
Asaan Karobar Card ki kuch highlighted features yahan Roman Urdu mein mention ki gayi hain, jo is scheme ko business owners ke liye ideal banati hain:
• 💳 Maximum Loan Limit: 10 Lakh PKR tak ka interest-free qarza milta hai
• 🕒 Loan Tenure: Total 3 saal tak ka loan duration hota hai
• 🔄 Loan Type: Revolving credit facility di jati hai jo pehle 12 maheenon ke liye hoti hai
• 📆 Repayment: Dusre saal se repayment start hoti hai, jo 24 months tak equal monthly installments mein hoti hai
• 🛑 Grace Period: 3 maheene ka grace period diya jata hai repayment start hone se pehle
• 📲 Usage: POS machine, mobile app ke zariye digital transactions, supplier/vendor payments, utility bills, taxes aur 25% tak cash withdrawal allowed hai
Yeh features ensure karte hain ke applicant asaani se apne business operations ko smoothly run kar sakein, bina kisi financial burden ke.
🔗 Internal Link Suggestion: “Check out Apni Zameen Apna Ghar Scheme for housing finance options.”
Eligibility Criteria – Asan Karobar Card
Asaan Karobar Card hasil karne ke liye kuch basic eligibility requirements hain jo ensure karti hain ke sirf genuine aur eligible applicants ko ye facility di jaye. Neeche in conditions ko simple language mein explain kiya gaya hai:
- 👤 Age Limit: Applicant ki umar 21 se 57 saal ke darmiyan honi chahiye. Iska matlab hai ke na bohot young aur na retirement age se upar log apply kar sakte hain.
- 📍 Punjab Residency: Applicant ka permanent ya current residence Punjab mein hona chahiye. Ye scheme sirf Punjab ke rehne walon ke liye hai.
- 🪪 CNIC and Mobile Number: Valid Pakistani CNIC hona chahiye aur mobile number applicant ke apne naam par registered hona zaroori hai. Verification isi number pe ki jati hai.
- 🏢 Business Location: Jo business aap chala rahe hain ya start karna chahte hain, wo Punjab ke andar located hona chahiye.
- ✅ Credit & Psychometric Assessment: Applicant ka credit score aur psychometric test satisfactory hona chahiye. Iska matlab hai applicant financially responsible ho.
- 💳 Clean Credit History: Koi previous unpaid loans ya defaults nahi hone chahiye. Clean financial record hona mandatory hai.
- 🔁 Single Application Rule: Har shakhs sirf aik dafa apply kar sakta hai—chahe wo ek business ke liye ho ya multiple. Multiple applications reject kiye jayenge.
Yeh criteria ensure karte hain ke sirf deserving aur responsible applicants ko ye loan milay jo waqi mein apne karobar ko expand ya improve karna chahte hain.
How to Apply Online for Asaan Karobar Card
Agar aap Asaan Karobar Card k liye apply karna chahte hain to yeh pura process online hai aur buhat hi simple hai. Neeche complete steps detail mein diye gaye hain:
Step-by-Step Registration Process
- 🔗 Visit Official Portal
Open karein akc.punjab.gov.pk - 📝 Fill Online Form
CNIC, business details, aur contact information add karein - 💳 Processing Fee Pay Karein
PKR 500 (non-refundable) application ke doran submit karna hota hai - 📤 Documents Upload Karein
CNIC, business ka proof aur other zaroori documents upload karna honge - ✅ Digital Verification
Aapki identity, credit history, aur business premises ki verification ki jati hai - 📬 Card Issuance
Approval ke baad aapka SME Card issue hoga jismein loan amount available hoga
🔗 Internal Link Suggestion: Check also: How to Apply for Apni Chhat Apna Ghar Scheme
Loan Usage and Repayment Process
Yeh loan sirf business purposes ke liye use kiya ja sakta hai. Neeche iska usage aur repayment cycle samjhaya gaya hai:
🔹 Loan Structure & Fund Access
- 🟢 First 50%: Pehle 6 months me available hota hai
- 🟢 Second 50%: Tab milta hai jab aap pehle half ka correct usage karein aur PRA/FBR registration complete karein
🔸 Repayment Schedule
- ⏳ Grace Period: Pehle 3 months tak koi repayment nahi
- 💸 Installments: 5% of outstanding loan monthly repay karna hota hai (after grace period)
- 📆 After 1st Year: Bacha hua amount 2 saal (24 months) me equally repay karna hota hai
❌ Restricted Transactions
- Personal shopping, entertainment, ya non-business related usage allowed nahi hai
- Sirf verified business-related expenses hi card se cover kiye ja sakte hain
Charges and Fees
- 💳 Annual Card Fee: PKR 25,000 + FED (deducted from approved limit)
- 📦 Other Charges: Life assurance, card issuance aur delivery charges
- 🕑 Late Payment Fine: As per Bank policy agar time par installment na di jaye
Security and Verification Process
- 🖊️ Digital Guarantee: Applicant digitally sign karta hai personal guarantee
- 🧾 Life Insurance: Scheme ke andar covered hoti hai
- 🏢 Physical Verification: Urban Unit team aapke business premises ki verification karti hai 6 months ke andar aur har saal dobara
🔗 Internal Link Suggestion: Read also: Punjab Solarization Program for Agri Tubewells
Benefits of the Asaan Karobar Card
Asaan Karobar Card scheme ke bohat se direct aur long-term faide hain jo har small business owner ko uplift karne ke liye design kiye gaye hain:
✅ Financial Empowerment
Yeh card aapko bina kisi interest ke 10 lakh tak ka loan deta hai, jo aapke business ke liye ek strong financial base create karta hai.
✅ Easy and Transparent Usage
Loan ko digitally manage karne ka system diya gaya hai — jismein mobile app aur POS terminals ka use hota hai, taake har transaction transparent rahe.
✅ Cash Flow Stability
Business ka cash flow disturb nahi hota kyunki repayment 3 months grace ke baad start hoti hai, aur monthly installments manageable hoti hain.
✅ Support for Startups
Naye business walon ke liye feasibility studies aur training materials PSIC aur Bank of Punjab ki websites par available hain.
✅ Inclusivity and Accessibility
Yeh scheme har sector ke small business owners ke liye open hai — specially un logon ke liye jinke paas collateral nahi hota.
🔗 Internal Link Suggestion: CM Punjab Ration Card Program – 2025
How to Track Your Asaan Karobar Application
Agar aap ne Asaan Karobar Card k liye apply kar diya hai, to aap multiple tareeqon se apni application ka status check kar sakte hain:
🖥️ 1. Online Portal
- Visit karein akc.punjab.gov.pk/login
- Apna CNIC aur password daal kar dashboard access karein
- Wahan pe aapko status show ho jayega: Approved, Under Review, ya Document Required
📱 2. SMS Tracking
- Message karein: STATUS [Application ID]
- Send karein 8300 par
- Aapko SMS ke zariye update milayga
☎️ 3. Helpline Support
- Call karein: 1786 (domestic)
- For overseas: +92-51-9053333
- Reference number ke zariye aapki status update di jati hai
🏦 4. In-Person Tracking
- Kisi bhi National Bank of Pakistan (NBP) branch me jaa kar CNIC ke zariye application verify karwa sakte hain
🛠️ What If Your Application is Delayed?
- Check karein ke documents complete hain
- Portal me “Uploads” section check karein
- NADRA records match hone chahiye
- Support team se contact karen agar delay ziada ho
🔗 Internal Link Suggestion: CM Punjab Wheat Support Program 2025
Conclusion
CM Punjab ka Asaan Karobar Card program ek game-changer initiative hai jo chhoti businesses ko financial freedom dene ke liye launch kiya gaya hai. Yeh scheme na sirf interest-free loan provide karti hai balkay entrepreneurs ko digitally empower bhi karti hai taake wo apna business transparent tareeqay se manage kar sakein.
Agar aap Punjab ke rehne wale hain aur chhota ya naya business start karna chahte hain, to yeh mauqa haath se na jane dein. Asaan Karobar Card aapke business ko grow karne, expand karne aur stabilize karne ka aik reliable source ban sakta hai.
Aap apply kar ke 10 lakh PKR tak ka qarza hasil kar sakte hain, wo bhi 0% interest ke sath — is se behtar aur kya ho sakta hai?
🟩 Apply now at: https://akc.punjab.gov.pk
🔗 Related Reading:
Apni Zameen Apna Ghar Scheme – Full Details 2025
CM Punjab Asaan Karobar Finance Program 2025
Frequently Asked Questions (FAQs) About Asaan Karobar Card
What is the Asaan Karobar Card?
The Asaan Karobar Card is a government-backed SME loan program launched by CM Punjab, offering interest-free business loans up to PKR 1 million for small entrepreneurs.
Who is eligible for the Asaan Karobar Card?
Pakistani nationals aged 21–57 years, residing in Punjab with an existing or planned business, a valid CNIC, and a clean credit history are eligible.
How can I apply for the Asaan Karobar Card?
You can apply online by visiting akc.punjab.gov.pk, filling out the registration form, and uploading required documents.
Is the Asaan Karobar Card interest-free?
Yes, the Asaan Karobar Card offers a 100% interest-free loan facility.
What is the maximum loan amount under this scheme?
The maximum limit is PKR 1 million (10 lakh rupees).
How long is the loan tenure?
The loan is offered for a total of 3 years, including a 1-year revolving credit period and 2 years of repayment.
What is the grace period before repayment starts?
Borrowers enjoy a 3-month grace period after card issuance before repayment begins.
What can I use the loan for?
Loan funds can be used for business-related activities like paying vendors, utility bills, taxes, and purchasing stock via digital channels.
Can I withdraw cash from my Asaan Karobar Card?
Yes, up to 25% of the loan limit can be withdrawn in cash for business use.
Are personal expenses allowed?
No, personal and non-business-related transactions are strictly blocked.
What is the application processing fee?
There is a one-time, non-refundable fee of PKR 500.
How is the application verified?
Your CNIC, credit record, and business premises are digitally verified by authorized agencies.
Is registration with PRA/FBR mandatory?
Yes, applicants must register their business with PRA or FBR within six months of card issuance.
How is the loan disbursed?
The loan is released in two parts: 50% upfront and the remaining 50% after compliance and regular repayments.
Is there a physical verification process?
Yes, Urban Unit visits and verifies your business location within 6 months of approval and annually.
Are there any hidden charges?
The scheme covers most charges including card delivery and life assurance, but an annual card fee of PKR 25,000 + FED applies.
Can I apply more than once?
No, only one application per individual or business is allowed.
How do I check my application status?
You can track your status via the online portal, SMS to 8300, helpline, or visit a nearby bank branch.
Is this card useful for startups?
Yes, startups can use the loan to establish their business and access feasibility studies through PSIC and BOP.
Who launched the Asaan Karobar Card?
The card was launched under the leadership of CM Punjab Maryam Nawaz Sharif as part of the province’s largest business finance initiative.
