Asaan Karobar Finance Scheme 2025
The Punjab Government has recently announced the Asaan Karobar Finance Scheme 2025, a bold initiative to uplift Pakistan’s struggling economy. As someone who mentors youth in small towns, I’ve seen how access to financial support can change lives. Through interest-free loans of up to Rs. 30 million, this program aims to boost local business and help entrepreneurs and start-ups set up with confidence. The scheme, approved by the Government of Punjab, is designed to provide real opportunities, not just promises. It reflects a clear aim to strengthen our economic foundations.
Asaan Karobar Finance Scheme 2025 Overview
The Punjab Government recently announced the Asaan Karobar Finance Scheme 2025, an initiative designed to uplift Pakistan’s struggling economy. As a mentor working with youth in small towns, I’ve seen how crucial access to financial support can be to change lives. This program offers interest-free loans of up to Rs. 30 million, aiming to boost local business and help entrepreneurs and start-ups set up with real confidence. The scheme, approved by the Government of Punjab, is structured to provide real opportunities, not empty promises. Moves like these don’t just stimulate commerce—they strengthen the economic foundations of communities often left behind.
Key Features
- Maximum Limit: PKR 1 million
- Tenure of Loan: 03 Years
- Loan Type: Revolving credit facility for 12 months
- Repayment Term: 24 equal monthly installments after the first year
- Grace Period: 3 months from card issuance for repayment commencement
Eligibility Criteria
- All Small Entrepreneurs (SEs) in Punjab
- Age: 21 to 57 years
- Pakistani National, resident in Punjab
- Valid CNIC and mobile number registered in the applicant’s name
- Existing or prospective business located in Punjab
- Satisfactory credit and psychometric assessment
- Only one application per individual and business
- Clean credit history with no overdue loans
How to Apply?
- Applications submitted digitally via PITB portal.
- Non-refundable processing fee: PKR 500
- Digital verification of CNIC, creditworthiness and business premises conducted by authorized agencies.
- Click Here to Apply Online.
Loan Usage and Repayment Details
- First 50% Limit: Available for use within the first 6 months
- Grace Period: 3 months after card issuance
- After 3 months, borrower shall start paying monthly installments, with a minimum monthly payment of 5% of the outstanding loan balance (principal portion only)
- Second 50% Limit: Released upon satisfactory usage, regular repayments and registration with PRA/FBR
- Funds are restricted to business-related purposes. Non-essential transactions (e.g. personal consumption, entertainment) are blocked
- The remaining balance after the first year is repaid over 2 years in Equal Monthly Installments (EMIs)
Charges / Fees:
- Annual Card Fee: PKR 25,000 + FED to be recovered from obligor’s approved limit
- Additional Charges: Life assurance, card issuance and delivery charges covered by the scheme
- In case of late payment of installments, late Payment Charges would be recovered as per Bank’s Policy / Schedule of Charges
Loan Details
| Tier | Amount (PKR) | Security | Tenure (up to) | End-User-Rate | Processing Fee (PKR) |
| T1 | 1M-5M | Personal Guarantee | 5 years | 0% | 5,000 |
| T2 | 6M-30M | Secured | 5 years | 0% | 10,000 |
Additional Support for Applicant:
- Feasibility Studies: Available on PSIC and BOP websites for startups and new businesses.
Frequently Asked Questions
How much loan should I get, and is it interest-free?
The Asaan Karobar Scheme aims to provide a 30 million PKR loan to entrepreneurs across multiple sectors including agriculture. The objective is to establish new businesses and strengthen the existing ones across the province. Moreover, the loan will be completely free of any interest rate.
What are the objectives of the Punjab Asaan Karobar Scheme?
The Government of Punjab has not officially announced the last date to apply for the scheme. The program appears to be ongoing in the future to benefit young entrepreneurs.
What is the age limit to apply for this scheme?
To apply for the Asaan Karobar Finance Scheme, you must be between 25 and 55 years old when you apply for the scheme.
What is the helpline number of the Asaan Karobar Finance Scheme?
The helpline number for the Karobar Finance Scheme in Punjab is 1786. You can call this toll-free number at any time to get assistance related to Asaan Karobar Scheme.
How can I check my application status?
You ca your check your application status easily by logging in to your portal. Provide your application number or tracking number if it asks. You can check the status of your application, you can also get help form this step-by-step guide.
Security Details:
- Personal guarantee digitally signed by the borrower
- Life assurance included in the portfolio
- Urban Unit conducts physical verification of business premises within 6 months of loan approval and annually thereafter
Helpline
- 1786
For more details and latest about the program, visit website: https://akc.punjab.gov.pk/cmpunjabfinance
Conclusion
The Government of Punjab has recently announced the Asaan Karobar Finance Scheme, a step that’s already making waves across Pakistan. Working closely with small vendors and fresh graduates over the years, I’ve seen how much potential is held back simply due to a lack of access to interest-free capital. This scheme carries a clear objective—to provide practical opportunities for aspiring entrepreneurs to set up and expand their ventures across the province. It’s not just about starting something new; it’s about strengthening businesses, both emerging and existing, with the right support. What makes this initiative unique is how it respects individual business preferences. Whether someone is launching a digital startup or reviving a family shop, the support adapts. By empowering youth and modernizing local trade, the scheme isn’t just easing access to capital—it’s rewriting the story of small business growth in Punjab. The Government will provide up to 30 million Pakistani Rupees to boost economic growth and establish businesses across the state. Moreover, the eligibility criteria are simple, and the requirements are easy to fulfill. However, the official announcement of the application will be made soon. Please stay updated to get benefits from the scheme and contact us in case of any queries.
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