Pakistan’s Punjab Government has launched the Maryam Nawaz Asaan Karobar Card Loan Scheme 2025 (Asaan Karobar Finance Scheme) to provide financial support to entrepreneurs and small businesses. This initiative offers interest-free loans up to Rs. 30 million to help startups grow and existing businesses expand, ultimately boosting Pakistan’s economy.
What is Maryam Nawaz Business Loan Scheme 2025?
The Asaan Karobar Finance Scheme is a multi-billion-rupee initiative approved by the Punjab Cabinet on January 14, 2025. CM Maryam Nawaz Sharif announced this program to support businesses, create job opportunities, and strengthen Pakistan’s economy.
Key Features of the Scheme
- Interest-free loans up to Rs. 30 million
- Free land for new business setups
- 100,000 startups targeted for funding
- Support for small & medium enterprises (SMEs)
- Special incentives for women, disabled individuals, and transgender entrepreneurs
🎯 Objectives of the Loan Scheme
- Strengthen Pakistan’s economic growth
- Provide financial aid to new entrepreneurs
- Support small & medium businesses (SMEs)
- Encourage climate-friendly business models
Now, let’s explore the loan categories under this scheme.
📌 Loan Categories & Benefits
The Maryam Nawaz Business Loan Scheme is divided into two categories based on loan amounts:
🔹 Tier-1 (T1) – Unsecured Loan
| Feature | Details |
|---|---|
| Loan Amount | Rs. 1 – 5 Million |
| Security | Personal Guarantee |
| Tenure | Up to 5 Years |
| Interest Rate | 0% |
| Processing Fee | Rs. 5,000 |
🔹 Tier-2 (T2) – Secured Loan
| Feature | Details |
|---|---|
| Loan Amount | Rs. 6 – 30 Million |
| Security | Collateral Required |
| Tenure | Up to 5 Years |
| Interest Rate | 0% |
| Processing Fee | Rs. 10,000 |
💡 Additional Benefits
- 6-month grace period for startups
- 3-month grace period for existing businesses
- 25% equity for leased vehicles
- 10% lower equity requirements for women, transgender individuals, and differently-abled applicants
If you meet the criteria, let’s move on to eligibility requirements.
Also Read: BISP 8171 Payment Check Online by CNIC – April 2025 Latest Update
📌 Eligibility Criteria for the Business Loan
To qualify for the Maryam Nawaz Business Loan Scheme, applicants must:
- Be residents of Punjab, aged 25-55 years
- Have a valid CNIC & NTN number
- Be registered as a tax filer with FBR
- Have no previous loan defaults
- Own or rent a business space
🔹 Eligible Business Categories
- ✔ Small Enterprises – Sales up to Rs. 150 million per year
- ✔ Medium Enterprises – Sales between Rs. 150 million – 800 million per year
If you qualify, follow the step-by-step application process below.
📞 Need Help Applying? Contact Us!
Want to apply online with professional assistance? Our team can help!
✅ WhatsApp us at: +923420852819
💰 Service Fee: Rs. 300 (with proof of submission)
Don’t miss this golden opportunity—apply today and grow your business with zero-interest funding!
📌 How to Apply Online for the Maryam Nawaz Loan Scheme?
Here’s how you can apply online for the Asaan Karobar Finance Scheme:
Step 1️⃣: Visit the Official Portal
- ✔ Go to the Punjab Government’s official website
- ✔ Click on “Apply for Asaan Karobar Finance”
- ✔ Read the instructions carefully & accept
Step 2️⃣: Create Your Profile
- ✔ Enter your Name, CNIC, Date of Birth, Gender, and Contact Details
- ✔ Provide your residential address
- ✔ Set a password & complete the registration
Step 3️⃣: Enter Loan Details
- ✔ Choose Tier-1 (T1) or Tier-2 (T2)
- ✔ Enter your desired loan amount & repayment tenure
- ✔ Provide information about your financial history
Step 4️⃣: Provide Business Information
- Enter your business name
- Add business address & contact details
- Specify the number of employees working under you
Step 5️⃣: Submit Financial Details
- Describe the nature & purpose of your business
- Mention your expected revenue & expenses
Step 6️⃣: Add References
- ✔ Provide two non-relative references (e.g., business associates)
Step 7️⃣: Upload Required Documents
- ✔ CNIC copy
- ✔ NTN certificate
- ✔ Business ownership proof (rent agreement or ownership documents)
- ✔ Click “Submit”
🎉 Congratulations! You have successfully applied! You can track your loan application status online.
Also Read: PM Ramzan Package 2025: 9999 Code for Registration and Eligibility Check – Complete Guide
📌 Future Expansion Plans for 2025-26
The Punjab Government plans to expand the Business Loan Scheme in 2025-26 with:
- Rs. 100 Billion additional funding
- 24,000+ SMEs to benefit from the next phase
- Total loan disbursement of Rs. 379 Billion
This is a once-in-a-lifetime opportunity for business owners and startups to secure funding without any interest.
📝 FAQs – Your Questions Answered!
1️⃣ Who can apply for the Maryam Nawaz Business Loan Scheme?
Any resident of Punjab between 25-55 years old with a registered business and a valid tax record can apply.
2️⃣ What is the maximum loan amount I can get?
You can get up to Rs. 30 million based on eligibility and loan type.
3️⃣ Is there any interest on these loans?
No! The Maryam Nawaz Loan Scheme offers 100% interest-free loans.
4️⃣ How long does the application process take?
Processing time varies, but applications are usually reviewed within a few weeks.
5️⃣ How can I check my loan application status?
You can track your loan status on the official government website.