In a significant move to bolster economic growth and support entrepreneurs, the Punjab government has introduced the Asaan Karobar Program 2025. This initiative aims to provide interest-free loans to small and medium-sized enterprises (SMEs) across the province, facilitating new business ventures and the expansion of existing ones.
Read More: Register Now for Asaan Karobar Card
The Asaan Karobar Program 2025 is designed to empower SMEs by offering financial assistance without the burden of interest. The program focuses on:
- New Businesses: Providing startup funding to encourage entrepreneurial ventures.
- Existing Businesses: Offering financial support for expansion, modernization, or enhancement of working capital.
- Leasing: Facilitating commercial logistics to improve business operations.
- Climate-Friendly Technologies: Supporting businesses that implement environmentally sustainable practices.
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Eligibility Criteria for the Easy Business Loan Scheme
To qualify for the Asaan Karobar Program 2025, applicants must meet the following criteria:
- Enterprise Size:
- Small Enterprises: Annual sales not exceeding PKR 150 million.
- Medium Enterprises: Annual sales ranging from PKR 150 million to PKR 800 million.
- Age Limit: Entrepreneurs should be between 25 and 55 years old.
- Tax Compliance: Active Federal Board of Revenue (FBR) tax filers with no history of credit defaults.
- Location: Both the business and residence must be located within Punjab.
- Documentation: A valid Computerized National Identity Card (CNIC) and National Tax Number (NTN) are mandatory.
- Business Premises: Must own or rent a business location.
Read More: Register Now for Asaan Karobar Card
Loan Details
Tier | Loan Amount | Security | Tenure | Interest Rate | Processing Fee |
T1 | PKR 1 million to PKR 5 million | Personal guarantee | Up to 5 years | 0% | PKR 5,000 |
T2 | PKR 6 million to PKR 30 million | Secured loans | Up to 5 years | 0% | PKR 10,000 |
Additional Financial Terms Include:
- Grace Period: Up to 6 months for startups and 3 months for existing businesses.
- Equity Contribution:
- No contribution for T1, except for leased commercial vehicles (25%).
- 20% for other loans under T1 and T2.
- A reduced rate of 10% applies to females, transgender individuals, and differently-abled persons.
- Repayment: Loans are to be repaid in equal monthly installments as per approval terms.
- Late Charges: PKR 1 per PKR 1,000 per day for overdue payments.
- Additional Costs: Varies by business type, including NIL for new businesses, 3% per annum for existing businesses under T2, and no annual fee for climate-friendly businesses. Insurance, legal, and registration fees are extra and based on actual costs.
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Required Documents for Asaan Karobar Program
- Original CNIC (Front and Back)
- Passport-size professional photograph
- Verified Higher Education Commission (HEC) or Inter Boards Coordination Commission (IBCC) degree/transcript/diploma
- Domicile certificate of Punjab
- Updated resume/CV
How to Apply for Asaan Karobar Program
Interested applicants can apply online through the official website: akf.punjab.gov.pk. Ensure all required documents are prepared for a smooth application process.
Conclusion
The Asaan Karobar Program 2025 is a commendable initiative by the Punjab government to foster entrepreneurship and stimulate economic development. By providing interest-free loans with flexible terms, the program aims to create a conducive environment for businesses to thrive. Prospective applicants are encouraged to review the eligibility criteria and apply promptly to take advantage of this opportunity.
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FAQs
What is the Asaan Karobar Program 2025?
It is an initiative by the Punjab government to provide interest-free loans to small and medium-sized enterprises for starting new businesses or expanding existing ones.
Who is eligible to apply?
Entrepreneurs aged between 25 and 55, with businesses and residences in Punjab, who are active FBR tax filers without credit defaults, and whose enterprises meet the specified annual sales criteria.
What are the loan amounts and terms?
Loans range from PKR 1 million to PKR 30 million, with a tenure of up to 5 years, offered at 0% interest. Specific terms depend on the loan tier.
How can I apply?
Applications can be submitted online through the official website: akf.punjab.gov.pk.