Starting or growing a business requires financial support, and the Punjab Rozgar Scheme 2025 is a great opportunity for individuals looking for business loans. The Punjab government has launched this initiative to provide loans ranging from Rs. 1 lakh to Rs. 1 crore at a low markup rate.
This scheme is designed to promote entrepreneurship and economic growth by offering easy financing options to business owners. If you want to know how to apply, eligibility criteria, and benefits, keep reading!
📌 Key Features of Punjab Rozgar Scheme 2025
| Feature | Details |
|---|---|
| Loan Amount | Rs. 100,000 to Rs. 1,000,000 (without collateral), Rs. 1,000,000 to Rs. 10,000,000 (with collateral) |
| Loan Duration | 2 to 5 years (including a 6-month grace period) |
| Capital Ratio | Men: 80:20, Women/Trans/Disabled: 90:10 |
| Eligible Sectors | All business sectors |
| Loan Type | Term loans |
| Application Mode | Online via the PSIC portal |
🔍 Benefits of Punjab Rozgar Scheme
The Punjab Rozgar Scheme 2025 offers several advantages to support small business owners and entrepreneurs.
✅ Low-Interest Loans
Applicants receive financial assistance at a lower markup, making it easier to start or expand their businesses.
✅ Encourages Business Growth
By offering loans up to Rs. 1 crore, the scheme helps create new businesses and job opportunities.
✅ Special Benefits for Women, Transgender & Disabled Applicants
These groups receive a higher capital ratio (90:10), reducing their financial burden.
✅ Quick & Easy Online Application
The entire registration and application process is digital, ensuring convenience for applicants.
Also Read: BISP 8171 April 2025 Payment Update – New Payment Schedule Announced
📝 Eligibility Criteria for Punjab Rozgar Scheme
To apply for this loan, you must meet the following requirements:
- Age: 20 to 50 years old
- Residency: Must be a Pakistani citizen living in Punjab with a valid CNIC
- Education & Skills: Must have a degree, diploma, or technical skills related to the business
- Business Type: Both new and existing businesses can apply
- Sector Eligibility: Open to all sectors, including manufacturing, trade, services, and agriculture
💻 How to Apply for Punjab Rozgar Scheme Online?
The online registration process is simple. Follow these steps:
1️⃣ Visit the Official Portal
Go to the Punjab Rozgar Scheme portal: rozgar.psic.punjab.gov.pk/rozgar/register
2️⃣ Create an Account
Click on “Applicant Signup” and register with your basic details, including name, CNIC, and mobile number.
3️⃣ Complete the Registration Form
Fill out the form with personal details, business information, and loan requirements.
4️⃣ Log In to Your Account
Use your registered credentials to log in.
5️⃣ Start a New Application
Click on “New Application” and enter your business and financial details.
6️⃣ Upload Required Documents
Attach necessary documents (see the list below).
7️⃣ Submit Your Application
Once everything is completed, submit your application for approval.
📚 Required Documents for Online Registration
Before applying, make sure you have the following documents:
- 📸 Recent Photograph – Passport-size picture
- 🆔 CNIC Copy – Front and back sides
- 🎓 Educational Certificates – If applicable
- 💼 Experience Certificate – If applicable
- 📄 Business Registration Documents – If available
🔔 Important Notes
- ✔ Loan approval may take a few weeks after submission.
- ✔ Incomplete applications will not be processed, so double-check your details.
- ✔ For queries, applicants can contact Punjab Small Industries Corporation (PSIC) through the official website.
Also Read: Punjab Govt Electric Bike Scheme 2025: Eligibility, Benefits & How to Apply Online
Conclusion
The Punjab Rozgar Scheme 2025 is a great opportunity for entrepreneurs and small business owners. With loans ranging from Rs. 1 lakh to Rs. 1 crore, low markup rates, and a simple online application process, this initiative aims to promote business growth and employment opportunities.
If you meet the eligibility criteria, apply now and take the first step toward achieving your business goals!
❓ FAQs
1️⃣ What is the loan amount available under Punjab Rozgar Scheme 2025?
The loan amount ranges from Rs. 1 lakh to Rs. 1 crore, depending on collateral availability.
2️⃣ Who can apply for this loan?
Anyone aged 20 to 50 years, residing in Punjab, with a business plan or existing business can apply.
3️⃣ What is the loan repayment period?
The repayment period is 2 to 5 years, including a 6-month grace period.
4️⃣ Is this scheme available for women and transgender individuals?
Yes! Women, transgender individuals, and disabled applicants get special benefits, including a 90:10 capital ratio.
5️⃣ Where can I apply for this loan?
You can apply online through the Punjab Rozgar Scheme portal at rozgar.psic.punjab.gov.pk.