Asaan Karobar Card 2026 The Punjab Government, under the vision of CM Maryam Nawaz Sharif, has launched the Asaan Karobar Card 2026 to empower small business owners and young entrepreneurs. This initiative provides interest-free loans of up to Rs. 1,000,000 (10 Lakh) to help people start new businesses or expand existing ones without the burden of heavy markups.
If you are a shopkeeper, freelancer, or a small-scale manufacturer in Punjab, this card is your gateway to financial independence. In this guide, we will explain the eligibility criteria, the step-by-step online application process, and how you can check your application status using your CNIC.
Quick Highlights of Asaan Karobar Card 2026
| Feature | Details |
| Loan Limit | Up to Rs. 1,000,000 (Interest-Free) |
| Loan Tenure | 3 Years (including grace period) |
| Grace Period | 3 Months from card issuance |
| Repayment | 24 Equal Monthly Installments (after 1st year) |
| Processing Fee | Rs. 500 (Non-refundable) |
| Official Helpline | 1786 |
Eligibility Criteria: Who Can Apply?
The government has streamlined the requirements to ensure the program reaches genuine entrepreneurs across Punjab.
-
Age Limit: Applicants must be between 21 and 57 years old.
-
Residency: You must be a permanent resident of Punjab with a valid CNIC.
-
Business Location: The existing or proposed business must be located within Punjab.
-
Credit History: Applicants must have a clean credit record (no history of loan defaulting).
-
Mobile Registration: The mobile SIM used for registration must be registered in the applicant’s name.
-
Verification: Willingness to undergo digital and physical verification of business premises.
Step-by-Step Online Application Guide
The application process is entirely digital to ensure transparency. Follow these steps to apply for your Asaan Karobar Card:
-
Visit the Portal: Go to the official website at akf.punjab.gov.pk or the PITB-designated link.
-
Registration: Click on “Register” and enter your Name, CNIC, and Mobile Number.
-
Login: Use your CNIC and the password you created to log into your dashboard.
-
Fill Personal Details: Provide information regarding your education, experience, and residential address.
-
Business Information: Describe your business (e.g., General Store, Tailoring Shop, Software House). You will need to mention the nature of work and the expected monthly sales.
-
Loan Requirements: Select the loan amount you need (up to Rs. 1 million) and the purpose (Working Capital or BMR).
-
Upload Documents: Attach scanned copies of your CNIC (front and back) and a recent passport-size photograph.
-
Processing Fee: Pay the Rs. 500 fee as per the instructions provided on the portal.
-
Submit: Review all details carefully and click “Submit.” You will receive a tracking ID via SMS.
How to Check Asaan Karobar Card Status By CNIC
Once you have submitted your application, you can easily track its progress from home.
-
Access the Status Portal: Visit the Asaan Karobar Card Status Check page on the official website.
-
Enter Credentials: Input your 13-digit CNIC number and your password/application tracking number.
-
Verification Result: The screen will display one of the following statuses:
-
Pending: Your application is in the initial review phase.
-
Verified: Your digital data has been cleared by NADRA and the credit bureaus.
-
Under Physical Verification: A team from the “Urban Unit” or authorized bank may visit your business site.
-
Approved: Your card is being printed and will be dispatched soon.
-
Rejected: The reason for rejection (e.g., age limit, credit issue) will be mentioned.
-
Usage and Repayment Rules
The Asaan Karobar Card works like a digital SME card. You can use it for:
-
Vendor Payments: Buying stock for your shop.
-
Utility Bills: Paying business-related electricity or gas bills.
-
Cash Withdrawal: You can withdraw up to 25% of your limit in cash for urgent business expenses.
-
Taxes: Paying government fees and taxes.
Repayment: The first year is often a revolving credit period. After the first 12 months, the outstanding amount is converted into 24 equal monthly installments. If you pay your installments on time, you may become eligible for a higher limit in the future.
Common Troubleshooting
If you do not receive an OTP or confirmation SMS, ensure your mobile number is not on “Do Not Disturb” (DND) mode and is registered under your own CNIC. In case of any technical error on the portal, you can call the 1786 helpline for immediate assistance.
The Asaan Karobar Card 2026 is a revolutionary step for the small-scale economy of Punjab. By removing interest and complicated bank paperwork, the government is making it easier for every citizen to contribute to the province’s prosperity.