Asaan karobar Finance Scheme 2025 Pakistan
You Asan Karobar Finance Scheme Online Apply is an awesome chance for small and medium business owners in Punjab to get loans without interest. Launched by the Punjab government, this scheme helps entrepreneurs start or grow their businesses without financial stress. This blog explains everything about the scheme in very simple English, including eligibility, how to apply, and more.
What is the Punjab Asan Karobar Finance Scheme?
Asan Karobar Finance Scheme is a program by Chief Minister Maryam Nawaz Sharif to help and support small & medium businesses/enterprises (SMEs) in Punjab grow. It gives interest-free loans from Rs. 1 million to Rs. 30 million to help entrepreneurs. The scheme was launched in January 2025 to:
- Help start new businesses or expand existing ones.
- Create more jobs in Punjab.
- Support eco-friendly businesses and modern technology.
- Make Punjab’s economy stronger.
The loans come in two types: Tier 1 (Rs. 1 million to Rs. 5 million) and Tier 2 (Rs. 6 million to Rs. 30 million). You repay the loan in easy installments over up to 5 years with no interest. The scheme uses digital tools like mobile apps for easy payments and transparency.
Asaan Karobar Finance Scheme 2025 Eligibility Criteria
To apply for the Asaan Karobar Finance Scheme, you need to meet these simple and very easy rules:
- Age: You must be between 25 and 55 years old.
- Residency: You live in Punjab and & have a valid CNIC.
- Business: Your business, whether new or already running, should be in Punjab. Small businesses (sales up to Rs. 150 million yearly) or medium businesses (sales between Rs. 150 million and Rs. 800 million) can apply.
- Tax Status: You must be an active tax filer with the Federal Board of Revenue (FBR) or the Punjab Revenue Authority (PRA).
- Credit History: You should not have unpaid loans or dues with banks or the government.
- Phone Number: Your own name is registered.
- Documents: You will need a valid CNIC, proof of your business, & tax records.
Asaan Karobar Finance Scheme 2025: How to Apply
Applying for the Asaan Karobar Finance Scheme is simple and can be done online. Follow these steps:
- Visit the Website: Go to akf.punjab.gov.pk.
- Sign Up: Click the “Register button, then add your original name in the Asan scheme account, CNIC Number, phone number, email, and account password. Again, check before submitting because you can’t change details later.
- Log In: Add your CNIC Card No & your password for account login.
- Fill Loan Details: Choose your loan type:
- Tier 1: Rs. 1 million to Rs. 5 million (needs a personal guarantee).
- Tier 2: Rs. 6 million to Rs. 30 million (needs collateral like property documents).
- Add your total loan amount, credit card history (if any), and business start-up date.
- Add Business Info: Enter your business name, address, contact person, number of employees, and sales details.
- Financial Details: Explain why you need the loan, your business income, expenses, and sector (e.g., IT, garments).
- References: Give names, CNIC, and phone numbers of two people (not relatives).
- Upload Documents: You need:
- Passport-size photo.
- CNIC (front and back).
- Proof of tax filing (FBR/PRA).
- Business income/expense records.
- Rent agreement or property papers for business/residence.
- Bank statements (last 6 months).
- Feasibility report for your business plan.
- Pay the Fee: Pay online:
- Rs. 5,000 for Tier 1.
- Rs. 10,000 for Tier 2.
- Submit: Check all details and click “Submit.” You’ll get a registration number via SMS and on-screen.
Your application will be checked online to verify your CNIC, credit history, and business information. The Bank of Punjab might also stop your business later. If everything looks good, you will get the loan in two parts: half at first and the other half after 6 months if you use it properly and register with FBR or PRA.
Asaan Karobar Finance Scheme Status Check
To check your Asaan Karobar Finance Scheme application status, do this:
- Visit akf.punjab.gov.pk.
- Click the “Login Button” on the asan karobar account & after typing your CNIC number then your password.
- Go to your account dashboard’s “Option of Application Status” or “My Application Option” section.
- Please enter your registration number (if requested) to check the status of your application: approved, pending, or rejected.
Asaan Karobar Finance Scheme Last Date
The scheme’s last date for Asan Karobar applications is not specific. Applications started on January 20, 2025, so you still have time as of April 2025. Apply early to avoid delays, as the process includes digital checks and document verification.
Conclusion
The Asan Karobar Finance Scheme Online Apply 2025 is a golden chance for Punjab’s entrepreneurs to grow their businesses without worrying about interest. This scheme supports startups and existing businesses with loans ranging from Rs. 1 million to Rs. 30 million, flexible repayment options, and an easy online application process.
You may also like
Apni Chat Apna Ghar Scheme Online Registration 2025
CM Punjab Laptop Scheme Online Apply 2025
CM Punjab Asan Karobar Scheme 2025
Prime Minister Youth Loan Scheme 2025
FAQs
- How do you apply for the Asan Karobar Finance Scheme?
Ans: Visit akf.punjab.gov.pk, register with your CNIC and mobile number, fill out the loan and business details, upload documents (like CNIC and tax records), pay the fee (Rs. 5,000 or Rs. 10,000), and submit. You will get the registration number of your account to check your application.
- How do you check eligibility for the Asaan Karobar Finance Scheme?
Ans: You’re eligible if you’re 25–55 years old, live in Punjab, have a valid CNIC, run a small/medium business (sales up to Rs. 800 million), are an active tax filer, and have no unpaid loans. Women, transgender individuals, and disabled persons get priority. Check akf.punjab.gov.pk for details.
- Asaan Karobar Finance Scheme fee?
Ans: The application fee is Rs. 5,000 for Tier 1 (loans of Rs. 1 million to Rs. 5 million) and Rs. 10,000 for Tier 2 (loans of Rs. 6 million to Rs. 30 million). It’s non-refundable and must be paid online during the application process. Late payments may incur additional charges in accordance with the Bank of Punjab’s rules.
- Asaan Karobar Finance Scheme helpline number?
Ans: The toll-free helpline is 1786. Call during business hours for help with applications, status checks, or other questions. You can also visit akf.punjab.gov.pk or a Bank of Punjab branch for support.