Chief Minister of Punjab, Maryam Nawaz Sharif, has introduced the CM Punjab Loan Scheme 2025 to support entrepreneurs and small businesses in the province. Under this initiative, the Punjab government will provide interest-free loans of up to Rs 30 million to help businesses grow and create economic opportunities.
This loan scheme is divided into two major categories:
- Asaan Karobar Card Loan – Loan of up to Rs 1 million
- Asaan Karobar Finance Scheme – Loan of up to Rs 30 million
Both loans are completely interest-free, making it easier for businesses to expand without financial burden. Below, we provide complete details on the loan eligibility, amounts, and application process.
Loan Categories & Amounts Under the CM Punjab Loan Scheme 2025
The Punjab government has introduced two types of business loans under this scheme:
1. Asaan Karobar Card Loan
- Maximum loan amount: Rs 1 million
- Specifically for small businesses and startups
- No interest will be charged
2. Asaan Karobar Finance Scheme
This scheme is divided into two tiers:
- Tier 1: Loan amount up to Rs 5 million
- Tier 2: Loan amount up to Rs 30 million
- No interest will be charged on both tiers
This financial assistance aims to help existing businesses grow and startups establish themselves.
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Eligibility Criteria for CM Punjab Loan Scheme 2025
To apply for the CM Punjab Loan Scheme 2025, applicants must meet the following criteria:
- Must be a permanent resident of Punjab
- Must possess a valid Pakistani National Identity Card (CNIC)
- Should be a registered tax filer with the Federal Board of Revenue (FBR)
- The business must be operating from owned or legally rented property
- The applicant should not have taken any business loan from a government or private institution
If you meet these conditions, you can proceed with the online application process.
Loan Repayment Terms & Processing Fees
Here are the details regarding loan repayment and processing fees:
1. Grace Period (Time Before Repayment Starts)
- Asaan Karobar Card Loan: 3 months grace period
- Asaan Karobar Finance Scheme:
- Tier 1 (Up to Rs 5 million): 6 months grace period
- Tier 2 (Up to Rs 30 million): 6 months grace period
- If the loan is used to strengthen an existing business, the grace period is 3 months
2. Processing Fee
Applicants must pay a one-time processing fee during the loan application:
- Asaan Karobar Card Loan: Rs 500
- Asaan Karobar Finance Scheme (Tier 1): Rs 5,000
- Asaan Karobar Finance Scheme (Tier 2): Rs 10,000
This fee covers verification and application processing costs.
Step-by-Step Guide to Apply Online for CM Punjab Loan Scheme 2025
The application process for the CM Punjab Loan Scheme 2025 is completely online and easy to follow.
Step 1: Visit the Official Portal
- For Asaan Karobar Card Loan, visit akc.punjab.gov.pk
- For Asaan Karobar Finance Scheme, visit akf.punjab.gov.pk
Step 2: Create an Account
- Use your CNIC number, mobile number, email address, name, and password to register.
Step 3: Log In to Your Account
- Enter your CNIC number and password to log in to the portal.
Step 4: Fill in the Application Form
- Provide personal details (name, father’s name, CNIC, address, etc.)
- Enter business details (business type, location, revenue, number of employees)
Step 5: Upload Required Documents
- Scanned copy of CNIC
- Recent bank account statement
- Business registration documents (if applicable)
Step 6: Submit Your Application
- Review all the details carefully
- Click on the Submit button to complete your application
Also Read: 9999 CNIC Online Check: Easy Rs. 5000 Withdrawal via JazzCash & EasyPaisa in Pakistan
Why Apply for the CM Punjab Loan Scheme?
- Interest-Free Loans – No additional financial burden
- Easy Repayment Terms – Flexible grace periods available
- Quick Online Application – Hassle-free registration process
- Support for Small & Medium Enterprises – Encouraging business growth
This scheme is a golden opportunity for entrepreneurs in Punjab to grow their businesses without financial stress.
Final Thoughts
The CM Punjab Loan Scheme 2025 is a game-changer for businesses in Punjab. It offers interest-free financial assistance of up to Rs 30 million, helping small and medium enterprises expand. If you are a business owner looking for financial support, make sure to apply online through the official portals and take advantage of this excellent opportunity.
Frequently Asked Questions (FAQs)
1. What is the maximum loan amount under the CM Punjab Loan Scheme?
The maximum loan amount is Rs 30 million under the Asaan Karobar Finance Scheme (Tier 2).
2. Is there any interest on the loan?
No, this is a completely interest-free loan scheme provided by the Punjab government.
3. Who is eligible for this loan?
Any resident of Punjab with a valid CNIC, a registered business, and a clean tax record can apply.
4. How long is the loan grace period?
The grace period varies:
- Asaan Karobar Card Loan: 3 months
- Asaan Karobar Finance Scheme: 6 months
5. Where can I apply for the loan?
You can apply through the official portals:
- akc.punjab.gov.pk for Asaan Karobar Card Loan
- akf.punjab.gov.pk for Asaan Karobar Finance Scheme