The Government of Punjab has introduced the Asaan Karobar Card Scheme 2025 to empower small entrepreneurs by providing interest-free loans. This initiative aims to stimulate economic growth and support small businesses across the province.
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The Asaan Karobar Card Scheme offers interest-free loans ranging from PKR 100,000 to PKR 1 million to small business owners in Punjab. The loans are disbursed through a digital SME card, facilitating structured and transparent fund utilization. The scheme is managed through digital channels such as mobile apps and Point of Sale (POS) systems, ensuring ease of access and use.
Key Features:
- Loan Amount: Up to PKR 1 million
- Loan Tenure: 3 years
- Grace Period: 3 months from card issuance
- Repayment Term: 24 equal monthly installments, starting after the first year
- Usage: Payments to vendors and suppliers, utility bills, government fees, taxes, and cash withdrawals (up to 25% of the limit) for miscellaneous business needs
- Interest Rate: 0%
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Eligibility Criteria for Asaan Karobar Card Scheme
To qualify for the Asaan Karobar Card Scheme, applicants must meet the following criteria:
- Residency: Must be a resident of Punjab
- Age: Between 21 to 57 years
- Identification: Valid CNIC and a mobile number registered in the applicant’s name
- Business Location: Business must be located in Punjab
- Credit History: Satisfactory credit and psychometric assessment with no overdue loans
- Application Limit: Only one application per individual and business
Required Documents for Asaan Karobar Card Scheme
Applicants need to prepare the following documents:
- CNIC: Valid computerized national identity card
- Proof of Residence: Utility bills, rent agreement, or domicile verifying Punjab residency
- Business Registration: Certificate or proof of registered business in Punjab
- Business Plan: Detailed plan explaining loan utilization and business goals
- Bank Statements: Past 6 months’ bank transaction history
- Income Proof: Documentation of existing income or revenue streams
- Photographs: Recent passport-size photographs
- Guarantor Details: Guarantor’s CNIC and financial details (if required)
- Tax Documents: NTN or proof of tax filing, if applicable
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Register for Asaan Karobar Card Scheme
Follow these steps to apply for the Asaan Karobar Card Scheme:
- Registration:
- Visit the official Asaan Karobar portal: akf.punjab.gov.pk
- Sign up using your mobile number registered in your name
- Form Completion:
- Fill out the application form with accurate personal and business information
- Upload the required documents as specified
- Fee Payment:
- Pay the non-refundable application fee:
- Tier 1 (Loan up to PKR 1 million): PKR 5,000
- Tier 2 (Loan from PKR 6 million to PKR 30 million): PKR 10,000
- Pay the non-refundable application fee:
- Submission:
- Review all entered information and submit the application
- Upon submission, a registration number will be provided on the screen and via SMS
- Tracking:
- Monitor your application status through SMS updates or by logging into the portal
Asaan Karobar Card Loan Usage and Repayment Details
- First 50% of Limit: Available within the first 6 months
- Grace Period: 3 months post-card issuance
- Repayment: Begins after the 3-month grace period with a minimum monthly payment of 5% of the outstanding loan balance
- Second 50% of Limit: Released upon satisfactory usage, regular repayments, and registration with PRA/FBR
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Asaan Karobar Card Charges and Fees
- Annual Card Fee: PKR 25,000 + FED, recovered from the approved limit
- Additional Charges: Includes life assurance, card issuance, and delivery charges
- Late Payment Charges: Applicable as per the Bank’s policy/schedule of charges
Asaan Karobar Card Security and Verification
- Guarantee: Personal guarantee digitally signed by the borrower
- Life Assurance: Included
- Verification: Physical verification of business premises within 6 months of loan approval and annually thereafter
Key Conditions
- Fund Usage: Must be used for core business activities; non-business-related transactions are blocked
- Registration: Mandatory registration with PRA/FBR within six months of card issuance
- Application Limit: One application per individual/business
Conclusion
The Asaan Karobar Card Scheme 2025 is a significant initiative by the Government of Punjab to support small entrepreneurs with interest-free loans. By following the outlined application process and meeting the eligibility criteria, applicants can access financial assistance to grow and sustain their businesses, contributing to the economic development of the province.
FAQs
Who can apply for the Asaan Karobar Card?
Anyone aged 21-57, living in Punjab, with a registered business can apply.
How much loan can I get?
You can get up to PKR 1 million, interest-free.
Is there an application fee?
Yes, PKR 5,000 for Tier 1 and PKR 10,000 for Tier 2.
When do I start repaying?
Repayment starts after a 3-month grace period, in 24 monthly installments.
Can I withdraw cash from the card?
Yes, but only up to 25% of the loan amount.
What happens if I don’t repay on time?
Late payment charges will apply as per bank policy.
Can I use the loan for personal expenses?
No, the loan must be used strictly for business purposes.
Is business registration mandatory?
Yes, your business must be registered in Punjab.
How can I check my application status?
Track your status online on the portal or via SMS updates.
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