Dreaming of expanding your shop or starting a factory? Chief Minister Maryam Nawaz Sharif’s Asaan Karobar Scheme 2026 is offering interest-free loans up to Rs. 10 Lakh and subsidized loans up to Rs. 3 Crore! This is your chance to get massive financial support with a simple online application—no middlemen, no hidden costs.
Stop letting a lack of funds limit your business growth. The Punjab government has created a fully digital portal to empower traders and entrepreneurs. If you have a CNIC and a registered business, you can apply from your shop or home right now.
| Feature | Asaan Karobar Card | Asaan Karobar Finance |
|---|---|---|
| Loan Limit | Rs. 5 Lac to Rs. 10 Lac | Up to Rs. 3 Crore |
| Interest Rate | 0% (Interest-Free) | Low Subsidized Rate |
| Purpose | Inventory, Bills, Daily Expenses | Machinery, Land, Big Expansion |
| Repayment | Flexible Monthly Cycles | 5 to 7 Years |
Who is Eligible for CM Punjab Ka Asaan Karobar Card in 2026?
Check if you meet these strict criteria:
- You must be a Punjab domicile holder aged 21 to 55 years.
- You must be an Active Tax Filer with the FBR. Non-filers cannot apply.
- Your e-CIB credit history must be clean (no bank defaults).
- For existing businesses: Minimum 6 months of operation.
- For new startups: A strong business plan and feasibility report is required.
How to Apply Online for CM Punjab Ka Asaan Karobar Card?
The entire process is online. Follow these exact steps:
- Visit the Official Portal: Go to akc.punjab.gov.pk.
- Register Your Account: Click “New Registration” and sign up using your CNIC and registered mobile number.
- Select Loan Tier: Choose between the “Asaan Karobar Card” (for small expenses) or “Asaan Karobar Finance” (for large investment).
- Fill the Application Form: Enter accurate details about yourself, your business, and financial needs.
- Upload Required Documents: Attach clear copies of:
- CNIC (Front & Back).
- Business Proof (Utility bill, rent agreement, tax certificate).
- 6-Month Bank Statement.
- Passport-sized photograph.
- Submit & Track: Submit the form. You will get an SMS with a Tracking ID to check your status online.
What Documents are Mandatory?
Prepare these digital copies before starting your application:
- Valid CNIC
- FBR Active Taxpayer Certificate
- Business Proof (Shop license, NTN certificate, utility bill in business name)
- Bank Account Statement (Last 6 months)
- Business Plan (For new startups applying for large loans)
What Happens After You Apply Online?
Do not just submit and forget. The next steps are crucial:
- Application Screening: The Bank of Punjab (BOP) will review your online application.
- Physical Verification: If shortlisted, a bank representative will visit your business premises for verification.
- Final Approval & Disbursement: After successful verification, your Asaan Karobar Card will be issued or the loan amount will be transferred to your account.
What is the Last Date to Apply?
The government has not announced a fixed deadline for 2026. However, funds are limited.
- Apply as soon as possible to secure your chance before the budget is exhausted.
- Keep checking the official website for any announcement about a last date.
Final:
The CM Punjab Ka Asaan Karobar Card is the most business-friendly initiative of the year. Do not miss this opportunity because of procrastination or incomplete documents. If you are an active tax filer with a genuine business need, visit the official portal today. Complete your online application with 100% accurate information to avoid rejection. This loan can be the catalyst that transforms your small business into a major success story.