The Punjab Government has started a new scheme. The name of the scheme is Asaan Karobar Finance Scheme. It is made to help people start new businesses. The goal is to support young entrepreneurs and improve the economy of Pakistan. This scheme offers interest-free loans. You can get a loan of up to 30 million Pakistani rupees. You do not have to pay any interest. You can return the loan in easy monthly payments.
This scheme was approved in January 2025. CM Maryam Nawaz Sharif announced it in a cabinet meeting. She also said the government will give free land for new businesses. Around 1 lakh new businesses will be supported in Punjab. This step will help increase jobs, exports, and business growth. She also introduced a card called Asaan Karobar Card or Asaan Business Card.
➤ Important Details
| Item | Details |
|---|---|
| Loan Type | Interest-Free |
| Loan Amount | Up to Rs. 30 million |
| Loan Time | Up to 5 years |
| Installments | Easy Monthly Payments |
| Processing Method | Digital and Simple |
| Free Land | Yes |
| Card Name | Asaan Karobar Card |
| Application Status | Online Portal |
| Eligibility Age | 25 to 55 years |
| Loan Tiers | Tier 1 and Tier 2 |
| Tier 1 Loan Limit | 1 to 5 million |
| Tier 2 Loan Limit | 6 to 30 million |
| Tier 1 Guarantee | Personal |
| Tier 2 Guarantee | Secured |
| CM Punjab | Maryam Nawaz Sharif |
| Helpline | 1786 |
➤ Main Goals of the Scheme
The scheme is made to:
- Help small businesses
- Increase exports
- Create jobs
- Support new start-ups
- Provide support to small farmers
- Modernize business setups
- Promote clean and green business
Any business field can apply. This includes agriculture, trading, and services.
➤ Main Benefits of the Scheme
- You get a loan without interest
- Loans of up to Rs 30 million
- Rs 5 million for solar and tech upgrades
- You get business help and advice
- Lease of land up to 30 years is allowed
- You get support even without much capital
➤ Who Can Apply
- You need a valid CNIC
- You must be between 25 to 55 years old
- You must be a tax filer
- Your business must be in Punjab
- Business should be active or planned
- You must have a clean credit record
You must also show if your shop is owned or rented
➤ Loan Details – Two Types
Tier 1 (T1)
- Loan: 1 to 5 million
- Security: Personal guarantee
- Fee: Rs. 5000
- Tenure: 5 years
- Interest: 0%
Tier 2 (T2)
- Loan: 6 to 30 million
- Security: Property/Assets
- Fee: Rs. 10000
- Tenure: 5 years
- Interest: 0%
You get 6 months grace time for new businesses
You get 3 months grace time for existing businesses
➤ Equity Contribution
- 0% for most Tier 1 loans
- 25% for leased vehicles
- 20% for other Tier 2 loans
- 10% only for women, transgender, and disabled
➤ Other Costs
- New businesses: No extra charges
- Old businesses: 3% yearly handling fee
- Green projects: No yearly handling fee
- Insurance and legal fees as per real price
➤ Repayment Terms
- Monthly installments
- You pay Rs. 1 per 1000 if you pay late
➤ How to Apply Online
Step 1: Click the apply button on the website
Step 2: Enter your personal details like name age CNIC mobile address email
Step 3: Select the loan type Tier 1 or Tier 2 and enter business start date and loan amount
Step 4: Give your business name and contact details
Step 5: Tell the business purpose and nature
Step 6: Add two references who are not relatives
Step 7: Upload all documents and click submit
Note: Once you register you cannot change your data. So fill carefully.
➤ Asaan Karobar Card
This card is also called Asaan Business Card. It helps small shopkeepers. You can get up to Rs. 1 million loan for 3 years. It is only for business use. You will get it through online platforms. This step is made to support 1 lakh small businesses in Punjab.
➤ Future Plans
Government will also launch Phase II next year in 2025-26
It will give Rs. 100 billion to help 24000 SMEs
The total loan amount will go up to Rs. 379 billion
➤ Conclusion
Asaan Karobar Finance Scheme is a very helpful project. It gives free loans to people in Punjab. It is best for new businesses and small companies. It is made to help youth, women, and low-income families. You can easily apply from your mobile. The rules are simple. The CM of Punjab wants to grow the economy and create jobs. You should apply and take benefit. For any help, call on helpline 1786.
کاروبار کارڈ لاگ ان کے لیے کلک کریں
➤ FAQs
Q1: Who can apply for the Asaan Karobar Scheme?
Any person in Punjab with a valid CNIC and tax record can apply.
Q2: What is the maximum loan amount?
You can get up to Rs. 30 million loan without interest.
Q3: Is there any age limit?
Yes. You must be between 25 and 55 years old.
Q4: Can women apply?
Yes. Women get special benefits like lower equity.