The CM Punjab Asaan Karobar Loan Scheme 2025 is a significant initiative launched by the Punjab government to bolster small and medium-sized enterprises (SMEs) across the province. This program provides interest-free loans to entrepreneurs, facilitating the establishment, expansion, and modernization of businesses, thereby fostering economic growth and job creation.
Table of Contents
Feature | Details |
Program Name | CM Punjab Asaan Karobar Loan Scheme 2025 |
Eligibility | Residents of Punjab, aged 25-55, SMEs with valid CNIC and NTN |
Loan Amount (Tier 1) | PKR 1 million to PKR 5 million |
Loan Amount (Tier 2) | PKR 6 million to PKR 30 million |
Application Fee | PKR 5,000 (Tier 1), PKR 10,000 (Tier 2) |
Application Start Date | January 1, 2025 |
Expected Application Deadline | March 31, 2025 (to be confirmed on the official portal) |
Objectives of the Scheme
The primary goals of the Asaan Karobar Loan Scheme include:
- Entrepreneurship Promotion: Encouraging the initiation of new businesses by providing financial support.
- Business Expansion: Assisting existing enterprises in scaling their operations and enhancing productivity.
- Modernization: Facilitating the adoption of modern technologies and practices to improve business efficiency.
- Employment Generation: Creating job opportunities through the growth of SMEs.
Read More: Asan Karobar Finance Register

New Criteria Asaan Karobar Loan Scheme
To qualify for the Asaan Karobar Loan Scheme, applicants must meet the following conditions:
- Business Size:
- Small Enterprises: Annual sales up to PKR 150 million.
- Medium Enterprises: Annual sales between PKR 150 million and PKR 800 million.
- Age: Entrepreneurs aged between 25 to 55 years.
- Tax Compliance: Active tax filers with a clean credit history.
- Residency: Both residential and business premises must be located in Punjab.
- Identification: Possession of a valid Computerized National Identity Card (CNIC) and National Tax Number (NTN).
- Business Premises: Ownership or rental agreement of the business location.
Read More: Asan Karobar Finance Scheme
Asaan Karobar Loan Details
The scheme offers two tiers of interest-free loans:
Tier | Loan Amount | Security | Repayment Period | Application Fee |
Tier 1 | PKR 1 million to PKR 5 million | Personal guarantee | Up to 5 years | PKR 5,000 |
Tier 2 | PKR 6 million to PKR 30 million | Collateral required | Up to 5 years | PKR 10,000 |
Additional Details:
- Grace Period:
- New Businesses: Up to 6 months.
- Existing Businesses: Up to 3 months.
- Equity Contribution:
- Tier 1: No equity required, except for leased vehicles (25%).
- Tier 2: 20% equity contribution.
- Special Groups (women, transgender, differently-abled): 10% equity contribution.
- Late Payment Charges: PKR 1 per PKR 1,000 per day on overdue amounts.
- Other Costs: No annual fees for new or eco-friendly businesses. Existing businesses in Tier 2 incur a 3% annual fee. Legal, insurance, and registration costs are additional.
Application Process for Asaan Karobar Loan Scheme
To apply for the Asaan Karobar Loan Scheme, follow these steps:
- Preparation: Gather the necessary documents:
- Passport-size photograph or selfie.
- Scanned copies of CNIC (both sides).
- Mobile number registered in your name.
- Details of two non-relative references.
- Tax filing status and business documents (income, expenses, proof of premises).
- Registration: Visit the Asaan Karobar portal at https://akf.punjab.gov.pk/landing and create an account using your mobile number.
- Application Form: Complete the online application form, which takes approximately 15 minutes. You can save and resume the application if needed.
- Document Upload and Fee Payment: Upload the required documents and pay the non-refundable application fee (PKR 5,000 for Tier 1 and PKR 10,000 for Tier 2).
- Submission and Tracking: Submit the application. A registration number will be provided on-screen and via SMS. Track your application status through SMS updates or the portal.
Read More: Application Status for the CM Punjab Solar Scheme
Final Words
The CM Punjab Asaan Karobar Loan Scheme 2025 is a game-changing initiative by the Punjab government to empower small and medium-sized enterprises, fostering entrepreneurship and economic growth. By providing interest-free loans, the program addresses the financial challenges faced by aspiring and existing entrepreneurs. If you meet the eligibility criteria, don’t miss the opportunity to expand your business or launch your dream venture. Stay updated on the official portal and ensure timely submission of your application to benefit from this remarkable scheme.
FAQs
What is the application submission deadline for the Asaan Karobar Loan Scheme 2025?
As of January 20, 2025, the specific application submission deadline has not been announced. Applicants are advised to apply promptly and check the official portal for updates.
How can I check my application status?
Applicants can receive updates via SMS or check their application status on the Asaan Karobar portal.
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