CM Punjab Asaan Karobar Finance 2025 – Apply for Interest-Free Business Loan

Starting or growing a small business in Punjab has become easier in 2025. The Asaan Karobar Finance Scheme launched by Chief Minister Punjab Maryam Nawaz is a special loan program offering interest-free business loans to individuals who want to build or expand their businesses. This initiative aims to support small and medium enterprises (SMEs) across the province by giving them access to capital—without paying any interest.

If you are a young entrepreneur or a small business owner struggling with finances, this scheme could help turn your business ideas into reality.

Feature	Details
Loan Amount	Rs. 100,000 to Rs. 30,000,000
Interest Rate	0% (Completely Interest-Free)
Loan Tenure	Up to 5 years
Grace Period	3 months before first installment
Eligibility Age	21 to 57 years
Business Location	Must be in Punjab
Application Method	Online via akc.punjab.gov.pk
SME Card	Issued for digital and cashless transactions

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Key Features of the Asaan Karobar Finance Loan

The scheme offers multiple benefits for new and existing businesses:

Loan range: You can apply for loans starting from Rs. 100,000 up to Rs. 30 million depending on your business needs.
No interest: Only repay the loan amount; there is no interest or markup.
Flexible repayment: You have up to 5 years to repay the loan in monthly installments.
Grace period: A 3-month break before you begin repaying gives you time to stabilize your business.
Digital SME Card: You’ll receive a digital card that allows you to manage your business funds and make online transactions easily.

These features make the scheme highly attractive for young entrepreneurs and small business owners across Punjab.

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Loan Tiers and Conditions

The scheme has different categories based on the loan amount and required security:

Tier 1 (T1)
- Amount: Rs. 1 million to Rs. 5 million
- Security: Personal guarantee
- Tenure: 5 years
- Processing Fee: Rs. 5,000
Tier 2 (T2)
- Amount: Rs. 6 million to Rs. 30 million
- Security: Collateral required
- Tenure: 5 years
- Processing Fee: Rs. 10,000
Export/SME Tier
- Amount: Up to Rs. 50 million
- Security: Collateral required
- Processing Fee: Rs. 10,000

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Who Can Apply – Eligibility Criteria

To qualify for the Asaan Karobar Finance Scheme, you must meet the following requirements:

Age: Must be between 21 and 57 years old
Business Location: Business must be based in Punjab
Credit Status: Must not have any defaulted bank loans
Tax Compliance: Should be a registered taxpayer or register with FBR/PRA within 6 months
Required Documents:
- Valid CNIC
- Proof of business (existing or proposed)
- Tax registration or return documents

These conditions ensure that only serious and qualified applicants can benefit from the program.

Step-by-Step Application Process

Applying for the loan is simple and completely online. Here’s how to do it:

Visit the official website: akc.punjab.gov.pk
Register your CNIC and create your profile
Fill in business details in the application form
Upload necessary documents:
- CNIC
- Proof of business
- Tax documents
Pay the processing fee:
- Rs. 5,000 for T1 loans
- Rs. 10,000 for T2 and Export/SME loans
Submit the application
Track your loan status via SMS or through the portal

After approval, you’ll receive a digital SME card to access your loan amount.

Loan Repayment and Terms

Here are the repayment rules every applicant must follow:

Grace period: No repayment for the first 3 months
Repayment method: Equal monthly installments
Late penalty: Rs. 1 per day for every Rs. 1,000 delayed
Loan usage: Must be used strictly for business purposes

It’s important to follow the rules to avoid cancellation or penalties.

Conclusion

The Asaan Karobar Finance Scheme 2025 is a major step by the Punjab government to support economic growth and job creation. This interest-free loan program gives entrepreneurs and small businesses the financial support they need to grow without falling into debt traps. With a simple online process, flexible terms, and no interest, the scheme is a golden opportunity for anyone with a strong business idea.

If you’re ready to take the next step in your business journey, apply now and unlock the support you need to succeed.