Are you an entrepreneur or small business owner in Punjab looking for financial support? The Punjab Government has introduced the Asaan Karobar Card 2025, a transformative initiative aimed at empowering small and medium enterprises (SMEs) by offering interest-free loans of up to PKR 1 million. Under the leadership of Chief Minister Maryam Nawaz Sharif, this scheme is designed to boost entrepreneurship and economic growth in the region.
📌 Key Features of Asaan Karobar Card
| Feature | Details |
|---|---|
| Maximum Loan Limit | PKR 1 Million |
| Loan Tenure | 3 Years |
| Interest Rate | 0% (Interest-Free) |
| Grace Period | 3 Months |
| Repayment Plan | First 12 months: Revolving credit; Next 24 months: Equal monthly installments |
| Second Disbursement | After tax registration and satisfactory use of first disbursement |
✅ Eligibility Criteria for Asaan Karobar Card
To qualify for this powerful business support program, applicants must meet the following requirements:
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Age: Between 21 to 57 years
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Residency: Must be a Pakistani citizen residing in Punjab
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CNIC & SIM: CNIC and mobile number must be registered in applicant’s name
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Business Location: Business must be based in Punjab
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Credit History: No overdue or defaulted loans
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Tax Status: Must be an active tax filer with FBR
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Application Limit: Only one application per person or business
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Assessments: Psychometric and credit evaluation will be conducted
📝 How to Apply for Asaan Karobar Card
Follow these simple steps to apply for your PKR 1 million loan:
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Online Registration
Visit the official PITB portal and register using your CNIC-linked mobile number. -
Fill the Application Form
Complete the online form with accurate business and personal details. -
Pay Application Fee
Submit a non-refundable PKR 500 processing fee. -
Document Upload
Upload the following:-
CNIC copy
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Proof of tax filing
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Business registration or ownership proof
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Property documents (if any)
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Submit Your Application
After completing all steps, submit the application and wait for SMS updates.
💼 Loan Usage Guidelines
This interest-free loan can be used for a wide range of business purposes:
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Vendor and supplier payments
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Utility bills and government dues
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Digital transactions and POS systems
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Cash withdrawal (up to 25%) for operational needs
⚠️ Note: Personal use of funds is strictly prohibited.
📊 Repayment Terms
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Grace Period: No repayments for the first 3 months.
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Revolving Credit: During the first year, flexible payments are allowed.
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Monthly Installments: Fixed equal installments for the final 24 months.
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Second Loan Disbursement: Released upon successful usage of initial amount and tax compliance.
🎁 Additional Benefits
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Capital Subsidy: Up to PKR 5 million for adopting solar or eco-friendly technologies.
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Advisory Support: Access to free business development services.
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Security Requirements: Personal guarantee and life insurance coverage.
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Card Issuance Fee: PKR 25,000 + FED (deducted from loan amount).
📞 Need Help?
For more information or technical support, visit the official PITB website or contact the relevant district facilitation centers.
🚀 Final Thoughts
The Asaan Karobar Card 2025 is more than a loan—it’s a gateway to financial empowerment for small business owners across Punjab. With zero interest, easy repayment, and built-in business support, this initiative is ideal for entrepreneurs ready to grow.
Don’t miss this opportunity! Apply now and take your business to new heights with Maryam Nawaz’s visionary economic program.