The Government of Punjab, led by Chief Minister Maryam Nawaz Sharif, has launched a powerful new scheme called the CM Punjab Asaan Karobar Card Scheme 2025. This program offers interest-free business loans of up to Rs. 10 lakh (1 million rupees) to help youth and small business owners in Punjab.
Whether you want to start a new business or grow an existing one, this scheme is designed to help you move forward without the burden of interest or collateral.
What Is the Asaan Karobar Card Scheme?
The Asaan Karobar Card is a loan card that gives you access to interest-free loans. It is specially designed for youth, unemployed people, and small business owners who cannot get regular bank loans.
- Loan Amount: Up to Rs. 10 lakh
- Interest: 0% interest – completely free of markup
- Repayment Time: 3 years (36 easy monthly payments)
- Collateral: No property or security needed
- Eligibility: For both new and running businesses
This scheme is a lifeline for people who want to do business but don’t have money or bank support.
August 2025 Update: Registration & Card Distribution
As of August 2025, the registration phase is now closed. Thousands of people across Punjab applied through the official Asaan Karobar Card Portal.
Latest Status
- Verification in Process: NADRA and field teams are checking documents.
- Business Visits: Government teams visited businesses to confirm eligibility.
- Card Distribution Started: Verified applicants will receive their Asaan Karobar Card very soon.
Eligibility Criteria (Updated for 2025)
| Requirement | Details |
|---|---|
| Province | Must be a permanent resident of Punjab |
| Age Limit | 21 to 57 years |
| Business Type | New or existing within Punjab |
| Mobile Number | Must be registered with NADRA |
How to Get the Loan After Receiving the Card
After you get your Asaan Karobar Card, you can visit a partner bank to get your loan.
Steps:
- Go to the authorized bank branch
- Show your Asaan Karobar Card and CNIC
- Get your loan amount (up to Rs. 10 lakh)
You can use the loan for:
- Business startup
- Buying equipment
- Paying shop rent or utility bills
- Hiring staff
- Expanding your business
Repayment Plan – No Interest, No Worries
- Repayment Period: 3 years (36 months)
- Interest Rate: 0% – completely free
- Monthly Payments: Fixed and easy
- Late Fine: Small penalty may apply if you miss a payment
✅ Pay on time to stay eligible for other government schemes.
Helpline for Support (Official Number)
If you need help regarding:
- Registration status
- Card delivery
- Loan disbursement
📞 Call 1786 – Punjab Government Official Helpline
Support is available for all applicants.
Frequently Asked Questions (FAQs)
Q1: Can I still apply for the Asaan Karobar Card?
A: No. Registrations are closed as of August 2025.
Q2: How do I know if I’m selected?
A: If your documents passed verification, you will get your card during the current phase.
Q3: Can I use the loan for any kind of business?
A: Yes, you can use it for starting, expanding, or running your business.
Q4: Do I need to pay any extra charges?
A: No. The loan is 100% interest-free with no hidden fees.
Q5: What if I miss a monthly payment?
A: You may face a small fine and may become ineligible for future loans.
Final Words
The CM Punjab Asaan Karobar Card Scheme 2025 is a golden opportunity for the youth and poor families of Punjab. With zero interest, no security, and full government support, it’s one of the best business loan programs in Pakistan.
If you’ve registered and passed verification, your card is on its way. Use this chance to grow your business and change your future.
